Auto Loan Rates in Albany, New York (NY) for May 2026
Brian McKay
Brian McKay
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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 2 Year Loan (2023 and Newer) at 3.99%, ADVANTAGE FINANCIALADVANTAGE FINANCIAL113 HOLLAND AVE, ALBANY, NY, 12208A5.0 ★Texas Ratio: 12.00% offering Auto Loans at 4.39%, TrustCo BankTrustCo Bank112 State St, Albany, NY, 12207A+5.0 ★Texas Ratio: 3.16% offering Auto Loans: New Vehicle at 4.99%, Directors Choice Credit UnionDirectors Choice Credit Union1 South Family Drive, Albany, NY, 12205A+5.0 ★Texas Ratio: 0.00% offering New Autos, Light Trucks & Passenger Vans at 5.25%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Albany has 6 local institutions in our database, with auto loan rates as low as 3.99% APR from First New York Federal Credit Union at 818 Central Ave, Albany, NY, 12206 1543. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Albany, New York. Auto Loan Rates Last Updated and Verified: May 4, 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.
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; w/ Auto Pay Discount
As Low As; w/ Auto Pay Discount
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
As Low As; w/ Auto Pay Discount
As Low As; w/ Auto Pay Discount
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As Low As
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; w/ Auto Pay Discount
As Low As; w/ Auto Pay Discount
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.
As Low As
As Low As
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
As Low As; w/ Auto Pay Discount
As Low As; w/ Auto Pay Discount
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Maximum term 60 months
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.
Maximum term 60 months
As Low As; w/ Auto Pay Discount
As Low As; w/ Auto Pay Discount
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
As Low As
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 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 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.
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.
As Low As; (A+, A Credit Scores)
20 - 21
As Low As; APR - 2026 & Newer
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
18 - 19
As Low As; Rate as low as 3.99% APR for up to 60 months on 2022 and newer vehicles. Rate includes 0.25% Auto Pay discount with automatic payment. Rates and approval based on creditworthiness. No minimum loan amount. Purchase and refinance eligible. Membership required. Offer ends April 30, 2026.
As Low As; For New Models 2026-2022
As low as; Shake off that rust and dust by financing your next ride with LCU.
As Low As; 3.99% APR*
As Low As; APR - 2026 & Newer
As Low As; *
As Low As
As Low As
As Low As
As Low As; For New Models 2026-2022
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As Low As; 4.24% APR*
As Low As
As Low As; 2025 & newer
Up to 100% NADA + Tax + Warranty
As Low As; as low as...
As Low As; 2024 & Older
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Grade / Score: A+ / 730+
As Low As; 4.49% APR*
As Low As
As Low As; APR - 2023 - 2025*
16 - 17
As Low As; 10% down payment
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As Low As; *
As Low As
As Low As; 2024 & Older
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As Low As
As Low As; For New Models 2026-2022
As Low As
As Low As; 4.74% APR*
As Low As; 2025 & newer
As Low As
As Low As
As Low As
As Low As; Check out our SPECIAL AUTUMN car loan rates...
As Low As; as low as...
As Low As
$45,000
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As Low As
Auto Payment
As Low As; 2024 & Older
Auto Payment
$45,000
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As Low As; For Used Models 2021-2017
As Low As
As Low As; 100% financing of purchase price, tax and license
As Low As
Min amt financed of $20,000 for terms ? 67 months
As Low As
As Low As; APR - 2023 - 2025*
As Low As
As Low As
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Up to 100% NADA + Tax + Warranty
As Low As; Loan Details
As Low As; as low as...
As Low As
As Low As
As Low As
Billing
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; w/ Auto Pay Discount
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; w/ Auto Pay Discount
As Low As
As Low As; w/ Auto Pay Discount
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; w/ Auto Pay Discount
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; w/ Auto Pay Discount
As Low As
As Low As; (A+, A Credit Scores)
20 - 21
As Low As
As Low As; Rate includes auto-pay discount of .25%
As Low As
As Low As; *
As Low As; For New Models 2026-2022
As low as; Shake off that rust and dust by financing your next ride with LCU.
As Low As; 3.99% APR*
As Low As; *
As Low As
As Low As
As Low As
As Low As; For New Models 2026-2022
As Low As
As Low As; 4.24% APR*
Up to 100% NADA + Tax + Warranty
As Low As; as low as...
As Low As
As Low As
As Low As; 4.49% APR*
As Low As
As Low As; 10% down payment
As Low As
As Low As; *
As Low As
As Low As; For New Models 2026-2022
As Low As
As Low As
As Low As; Check out our SPECIAL AUTUMN car loan rates...
As Low As; as low as...
As Low As
$45,000
Auto Payment
Auto Payment
$45,000
As Low As
As Low As
As Low As; 100% financing of purchase price, tax and license
As Low As
Min amt financed of $20,000 for terms ? 67 months
As Low As
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
Up to 100% NADA + Tax + Warranty
As Low As; Loan Details
As Low As; as low as...
As Low As
Billing
As Low As; w/ Auto Pay Discount
As Low As
As Low As; w/ Auto Pay Discount
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As Low As; w/ Auto Pay Discount
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As Low As; w/ Auto Pay Discount
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Maximum term 60 months
Maximum term 60 months
As Low As; w/ Auto Pay Discount
As Low As
As Low As
As Low As; Rate includes auto-pay discount of .25%
As Low As; *
As Low As
18 - 19
As Low As; *
As Low As
As Low As; as low as...
Grade / Score: A+ / 730+
16 - 17
As Low As
As Low As; *
As Low As; 4.74% APR*
As Low As; as low as...
As Low As; For Used Models 2021-2017
As Low As
As Low As; as low as...
As Low As
Albany, NY Auto Loan Rate Trends
Compare local Albany, NY auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New York new auto rates rose 0.086 points over the past 7 days to 5.527% APR.
New York used auto rates fell 0.038 points over the past 7 days to 6.476% 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 2 Year Loan (2023 and Newer))
- ADVANTAGE FINANCIAL: 4.39% (Auto Loans)
- TrustCo Bank: 4.99% (Auto Loans: New Vehicle)
- Directors Choice Credit Union: 5.25% (New Autos, Light Trucks & Passenger Vans)
