Auto Loan Rates in Clark Mills, New York (NY) for July 2026
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Brian McKay
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Current auto loan rates in Clark Mills, New York include Triboro Postal Federal Credit UnionTriboro Postal Federal Credit UnionA+5.0 ★Texas Ratio: 0.75% offering New Car Loan at 2.25%, Financial Trust Federal Credit UnionFinancial Trust Federal Credit UnionA+5.0 ★Texas Ratio: 1.71% offering New Auto Loan at 3.29%, Afgm Enterprises Federal Credit UnionAfgm Enterprises Federal Credit UnionA+5.0 ★Texas Ratio: 4.59% offering New Auto / Truck at 3.50%, Cadets Federal Credit UnionCadets Federal Credit UnionA5.0 ★Texas Ratio: 8.55% offering New Autos at 3.50%, ALCOALCOA+5.0 ★Texas Ratio: 4.25% offering New auto loans at 3.50%. Auto loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Clark Mills borrowers have access to 53 lenders serving the New York area, with auto loan rates as low as 2.25% APR from Triboro Postal Federal Credit Union. 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 Clark Mills, New York. Auto Loan Rates Last Updated and Verified: July 11, 2026
Compare Auto Loan Rates Today in Clark Mills, New York & Surrounding Area
Clark Mills Auto Loan Rates
20 - 21
Up To 100% Financing
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
As Low As; New Auto
18 - 19
New Auto (2025 & 2026)
Used Auto (2021 - 2025)
The following rates may be higher based on your credit score: Rates are based on credit worthiness of the applicant. Rates are subject to change.
As Low As
APR with Discount as low as*
APR with 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. 96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
As low as; Fixed Rate
As Low As; Fixed Rate 36 Month
Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans)
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
Credit Limit: Book Retail Value
As Low As; *
As Low As; APR*
As Low As
100% financing of purchase price, tax and license
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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. 96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
As Low As; 2025 & newer
As Low As;*
APR = Annual Percentage Rate. 4.25% APR available for 2025-2026 models for 72 months (4.65% for 84 months). Other model years and terms vary. Subject to credit approval. Rates subject to change.
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
As Low As; 2022 - 2024
As Low As;*
New Auto (2025 & 2026)
As Low As; APR with Discount as low as*
As Low As; APR with 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. 96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
As Low As
As low as; **Note: Rates shown are for qualified borrowers. Actual rate may vary based on creditworthiness, loan term, and other factors.
As Low As; Auto Pay Discount: 4.39%
As Low As; w/ Auto Pay Discount: 4.39%
16 - 17
5%-40% down payment
As Low As; *
As Low As; 2022 - 2024
As low as
Loan Amount: $2,500+
As Low As
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
As Low As
As low as; **Note: Rates shown are for qualified borrowers. Actual rate may vary based on creditworthiness, loan term, and other factors.
As Low As; 2025 & newer
As Low As
As Low As
As Low As; Used Auto
Rates for 2025-2026 models. Maximum loan amount $45,000.
As Low As
As Low As; 2017 - 2021
New Auto - 2025-2027
Loan Amount: $2,500+
Used Auto - 2025-2027
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.15%
As Low As; 2022 - 2024
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.20%
As Low As
Rates for 2025-2026 models. Maximum loan amount $45,000.
As Low As;*
As Low As; Max Amount: $65,000
As Low As; No maximum loan amount
As Low As; No maximum loan amount
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
As Low As;*
As Low As
As Low As; APR with Discount as low as*
As Low As; APR with Discount as low as*
As Low As
As Low As
As low as; **Note: Rates shown are for qualified borrowers. Actual rate may vary based on creditworthiness, loan term, and other factors.
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
As Low As; Auto Pay Discount: 4.89%
As Low As; w/ Auto Pay Discount: 4.89%
90% Financing
As Low As; 10%-40% down payment
APR with Discount as low as*
APR with Discount as low as*
APR with Discount as low as*
New Auto - 2025-2027
As Low As
APR with Discount as low as*
As Low As; *
As Low As; *
As Low As
Loan Amount: $2,500+
As Low As; *
Used Auto - 2025-2027
As Low As; *
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
As Low As;*
Used Auto (2021 - 2025)
As Low As
As Low As
Over $20,000.00
As Low As; 2017 - 2021
14 - 15
The following rates may be higher based on your credit score: Rates are based on credit worthiness of the applicant. Rates are subject to change.
90% Financing
APR with Discount as low as*
APR with Discount as low as*
APR with Discount as low as*
APR with Discount as low as*
As low as
Model Years 2025-2022 (mileage 15,000 or less)
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.55%
New Auto - 2025-2027
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.60%
APR with Discount as low as*
APR with Discount as low as*
Loan Amount: $5,000+
As Low As
Used Auto - 2025-2027
As Low As; 2017 - 2021
As Low As*
As Low As; *
As Low As; Max Amount: $65,000
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
Loan Amount: $2,500+
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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. 96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2020: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is subject to change and all loans are subject to approval. A 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 or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty.
As low as; **Note: Rates shown are for qualified borrowers. Actual rate may vary based on creditworthiness, loan term, and other factors.
Clark Mills New Auto Auto Loan Rates
20 - 21
Up To 100% Financing
As Low As; New Auto
New Auto (2025 & 2026)
The following rates may be higher based on your credit score: Rates are based on credit worthiness of the applicant. Rates are subject to change.
As Low As
APR with 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. 96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans)
As Low As; *
As Low As
100% financing of purchase price, tax and license
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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. 96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
As Low As;*
New Auto (2025 & 2026)
As Low As; APR with 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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. 96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
As Low As; w/ Auto Pay Discount: 4.39%
5%-40% down payment
As Low As; *
As low as
As Low As
As Low As
As Low As
Rates for 2025-2026 models. Maximum loan amount $45,000.
As Low As
New Auto - 2025-2027
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.15%
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.20%
Rates for 2025-2026 models. Maximum loan amount $45,000.
As Low As; Max Amount: $65,000
As Low As; No maximum loan amount
As Low As; APR with Discount as low as*
As Low As
As Low As; w/ Auto Pay Discount: 4.89%
APR with Discount as low as*
New Auto - 2025-2027
As Low As
As Low As
As Low As; *
As Low As
Over $20,000.00
The following rates may be higher based on your credit score: Rates are based on credit worthiness of the applicant. Rates are subject to change.
APR with Discount as low as*
Model Years 2025-2022 (mileage 15,000 or less)
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.55%
New Auto - 2025-2027
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.60%
As Low As; Max Amount: $65,000
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. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month. 96 Month term ONLY available on NEW Automobile Model Years 2026-2027.
Clark Mills Used Auto Auto Loan Rates
18 - 19
Used Auto (2021 - 2025)
The following rates may be higher based on your credit score: Rates are based on credit worthiness of the applicant. Rates are subject to change.
APR with Discount as low as*
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
Credit Limit: Book Retail Value
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
As Low As; APR with Discount as low as*
As Low As; w/ Auto Pay Discount: 4.39%
16 - 17
As low as
As Low As; Used Auto
As Low As
Used Auto - 2025-2027
As Low As;*
As Low As; No maximum loan amount
As Low As
As Low As; APR with Discount as low as*
As Low As
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
As Low As; w/ Auto Pay Discount: 4.89%
90% Financing
As Low As; 10%-40% down payment
APR with Discount as low as*
APR with Discount as low as*
As Low As
APR with Discount as low as*
As Low As; *
As Low As; *
As Low As
Used Auto - 2025-2027
As Low As; *
Used Auto (2021 - 2025)
As Low As
14 - 15
The following rates may be higher based on your credit score: Rates are based on credit worthiness of the applicant. Rates are subject to change.
90% Financing
APR with Discount as low as*
APR with Discount as low as*
APR with Discount as low as*
Fixed APR w/ Auto Payment; Fixed APR w/Billing: 5.60%
APR with Discount as low as*
APR with Discount as low as*
Used Auto - 2025-2027
As Low As*
As Low As; *
Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Vehicles prior to and including 2020: We will finance the purchase price or NADA value. The annual Percentage Rate (APR) offered is subject to change and all loans are subject to approval. A 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 or electric cars. The actual rate may vary. The monthly payment amount shown is calculated per $1,000 and is based on a 30-day month.*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, PLUS tax, title, registration, and warranty.
Clark Mills, NY Auto Loan Rate Trends
Compare local Clark Mills, 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 fell 0.090 points over the past 7 days to 5.562% APR.
New York used auto rates fell 0.425 points over the past 7 days to 6.156% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Clark Mills, New York auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Clark Mills, New York directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Clark Mills, New York. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NY.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Clark Mills, 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 Clark Mills, New York?
- Triboro Postal Federal Credit Union: 2.25% (New Car Loan)
- Financial Trust Federal Credit Union: 3.29% (New Auto Loan)
- Afgm Enterprises Federal Credit Union: 3.50% (New Auto / Truck)
- Cadets Federal Credit Union: 3.50% (New Autos)
- ALCO: 3.50% (New auto loans)
Clark Mills, New York Rates & Resources
