Auto Loan Rates in Albany, New York (NY) for March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Current auto loan rates in Albany, New York include First New York Federal Credit UnionFirst New York Federal Credit Union818 Central Ave, Albany, NY, 12206 1543A+5.0 ★Texas Ratio: 5.90% offering New Auto Loan at 3.99%, BROADVIEWBROADVIEW40 Wolf Rd, Albany, NY, 12205A+5.0 ★Texas Ratio: 0.00% offering Vehicle Loan at 3.99%, ADVANTAGE FINANCIALADVANTAGE FINANCIAL113 HOLLAND AVE, ALBANY, NY, 12208A5.0 ★Texas Ratio: 12.00% offering Auto Loans at 4.49%, Rhinebeck BankRhinebeck Bank100 Great Oaks Blvd, Albany, NY, 12203A+5.0 ★Texas Ratio: 4.81% offering Auto Loan at 4.79%, TrustCo BankTrustCo Bank112 State St, Albany, NY, 12207A+5.0 ★Texas Ratio: 3.16% offering Auto Loans: New Vehicle at 4.99%.
Auto loan rates in Albany, New York are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Albany, New York. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Albany, New York & Surrounding Area
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; w/ Auto Pay Discount: as low as 4.39%
As Low As
Rates quoted are the lowest available rates based on overall creditworthiness.
Model Years 2024 and newer
Model Years 2022 - 2023
Model Years 2022 - 2023
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; w/ Auto Pay Discount: as low as 4.89%
As Low As
As Low As; Model Years 2021 and older
As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary.
Model Years 2025-2022 (mileage 15,000 or less)
Model Years 2024 and newer
As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary.
As Low As
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As; w/ Auto Pay Discount: as low as 5.39%
As Low As
Model Years 2025-2022 (mileage 15,000 or less)
Model Years 2022 - 2023
As Low As; *Fixed Annual Percentage Rate (APR). Rate is based on 2021-2027 model years. Rates are current as of date shown and are subject to change at any time. Financing up to 100% of book value or purchase price, whichever is lower, plus tax, title, registration and warranty. Offer not valid on existing First New York auto loans. Other rates, and terms may apply. All loans are subject to approval and actual rate may vary.
As Low As
Rates quoted are the lowest available rates based on overall creditworthiness.
As Low As
Rates quoted are the lowest available rates based on overall creditworthiness.
Model Years Up to 7 Years Old
As Low As; w/ Auto Pay Discount: as low as 6.39%
As Low As
Maximum term 60 months
Model Years Up to 7 Years Old
0% Down Payment
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. **96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
0% Down Payment
Maximum term 60 months
0% Down Payment
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
As Low As; w/ Auto Pay Discount: as low as 7.39%
As Low As
0% Down Payment; Credit Score: 740 & Above
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
0% Down Payment
Rates quoted are the lowest available rates based on overall creditworthiness.
0% Down Payment; Credit Score: 700-739
Model Years 8-10 Years Old
Rates quoted are the lowest available rates based on overall creditworthiness.
0% Down Payment
As Low As; *Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is lower, PLUS tax, title, registration and warranty. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
0% Down Payment; Credit Score: 700-739
0% Down Payment
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 90% of the NADA value or purchase price, whichever is lower. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
20% Down Payment
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 90% of the NADA value or purchase price, whichever is lower. Minimum loan amount for 72 month term is $25,000. Minimum loan amount for 96 month term is $35,000. Minimum loan amount for 180 month term is $50,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
20% Down Payment
20% Down Payment
0% Down Payment
10% Down Payment
20% Down Payment
20% Down Payment
20% Down Payment
20% Down Payment
As Low As
As Low As
Auto Loan rates start at 1.99% for 24 months.
As Low As
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
20 - 21
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
As Low As; APR - 2026 & Newer
As Low As
As Low As
As Low As; Only Available to "A+," "A," "B," and "C."
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As
As Low As
As Low As; Rate includes auto-pay discount of .25%
As Low As; Rate includes auto-pay discount of .25%
As Low As
As Low As
As Low As
Credit Score 760+, Credit Tier A+
As Low As
As Low As
18 - 19
As Low As
As Low As
As Low As; For New Models 2026-2022
As Low As; APR - 2026 & Newer
Up To 100% Financing
Credit Score 760+, Credit Tier A+
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As
As Low As
As Low As
As Low As
As Low As; For New Models 2026-2022
As Low As
Grade/Score: A+ /730+
As Low As; 2025 & newer
As Low As
As Low As; as low as...
As Low As; 2024 & Older
As Low As
As Low As
As Low As
As Low As
As Low As
Grade/Score: A+ /730+
Grade / Score: A+ / 730+
As Low As; APR - 2023 - 2025*
16 - 17
Beacon Score 725+
As Low As
As Low As
As Low As
As Low As; 10% down payment
As Low As
As Low As; Only Available to "A+," "A," "B," and "C."
Credit Score 700-759, Credit Tier A
As Low As
As Low As
As Low As; 2024 & Older
As Low As; Rates from 4.68% to 10.84%; Up to 60-month terms; $20 application fee; No pre-payment penalties; Amount: up to $30,000; Financing up to 80% for purchases or 100% when refinancing; Maximum selling price will be capped at Kelley Blue Book value
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; For New Models 2026-2022
Grade/Score: A / 680-729
As Low As
As Low As; 2025 & newer
As Low As
As Low As; APR*
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
As Low As
As Low As
Model Years 2025-2022 (mileage 15,000 or less)
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary.
As Low As
Model Years 2025-2022 (mileage 15,000 or less)
As Low As
As Low As; Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. **96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
As Low As
As Low As
As Low As
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
20 - 21
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
As Low As
As Low As
As Low As; Only Available to "A+," "A," "B," and "C."
As Low As
As Low As
As Low As; Rate includes auto-pay discount of .25%
As Low As
As Low As
As Low As
As Low As; For New Models 2026-2022
Up To 100% Financing
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; For New Models 2026-2022
As Low As
Grade/Score: A+ /730+
As Low As
As Low As; as low as...
As Low As
As Low As
Grade/Score: A+ /730+
Beacon Score 725+
As Low As
As Low As
As Low As; 10% down payment
As Low As
As Low As; Only Available to "A+," "A," "B," and "C."
As Low As
As Low As
As Low As; For New Models 2026-2022
Grade/Score: A / 680-729
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Model Years Up to 7 Years Old
As Low As
Maximum term 60 months
Model Years Up to 7 Years Old
Maximum term 60 months
As Low As
Model Years 8-10 Years Old
As Low As
As Low As
As Low As; Only Available to "A+," "A," "B," and "C."
As Low As; Rate includes auto-pay discount of .25%
As Low As
As Low As
As Low As
18 - 19
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; as low as...
Grade / Score: A+ / 730+
16 - 17
Beacon Score 725+
As Low As
As Low As
As Low As; Only Available to "A+," "A," "B," and "C."
As Low As; APR*
Frequently Asked Questions about Auto Loans in Albany, New York
How does my credit score affect my car loan rate in New York?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Albany, New York?
- First New York Federal Credit Union: 3.99% (New Auto Loan)
- BROADVIEW: 3.99% (Vehicle Loan)
- ADVANTAGE FINANCIAL: 4.49% (Auto Loans)
- Rhinebeck Bank: 4.79% (Auto Loan)
- TrustCo Bank: 4.99% (Auto Loans: New Vehicle)
