Saddle Rock, New York Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Saddle Rock, New York auto loan rates from lenders serving New York range from 1.99% to 4.60% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Saddle Rock, New York include Boulevard Federal Credit UnionBoulevard Federal Credit UnionA+5.0 ★Texas Ratio: 2.05% offering Auto Loan at 1.99%, Triboro Postal Federal Credit UnionTriboro Postal Federal Credit UnionA+5.0 ★Texas Ratio: 3.95% offering New Car Loan at 2.25%, Meridia Community Federal Credit UnionMeridia Community Federal Credit UnionA+5.0 ★Texas Ratio: 1.14% offering New Auto Loan at 2.99%, Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit UnionA+5.0 ★Texas Ratio: 1.64% offering New Auto Loan at 2.99%, Afgm Enterprises Federal Credit UnionAfgm Enterprises Federal Credit UnionA+5.0 ★Texas Ratio: 2.87% offering New Auto / Truck at 3.00%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Saddle Rock borrowers have access to 67 lenders serving the New York area, with auto loan rates as low as 1.99% APR from Boulevard Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Saddle Rock, New York. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Saddle Rock, New York & Surrounding Area
Saddle Rock Auto Loan Rates
As low as; Terms for models 2025-2027
As low as; Rates effective 09/01/2026. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the Credit Union for complete details. All rates listed are APR (Annual Percentage Rate).
20 - 21
As low as; New Auto Loan - 2026 and newer
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; Model Year: 2025 or Newer
As low as; Used Auto Loan - 2021-2026
Rates Effective September 18, 2026.
Direct Deposit
With Direct Deposit
Published APR range: 3.50% - 13.75%.
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; Model Year: 2025 or Newer
As Low as
Credit Score: 760+; Credit Tier: A+
As low as; Terms for models 2025-2027
As low as; Rates effective 09/01/2026. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the Credit Union for complete details. All rates listed are APR (Annual Percentage Rate).
Term: 1 and 2 year old auto; Published APR range: 3.75% - 4.25%.
Term: 3 and 4 year old auto; Published APR range: 3.75% - 4.25%.
Published APR range: 3.75% - 4.25%.
As low as
- Oct 5, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; New Auto / Motorcycle Loan (2025-2026)
Model Year: 2021- 2026
- Oct 5, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low as
Rates Effective September 18, 2026.
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low as
As Low As
As Low As; Rates subject to change.
Rate applies to New/Used Auto. *
Rate includes auto-pay discount of .25%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Rate includes auto-pay discount of .25%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
As Low As; Max Mileage 60,000; Max Term for automobiles 5 to 6 years is 72 months; Max Mileage for Auto Loans is 150,000
As low as; New Auto Loan - 2026 and newer
As Low As
As Low As
As Low As; Model Year: 2022-2027
The following rates may be higher based on your credit score:
without Direct Deposit
Without Direct Deposit
Rate: 3.990%; APR: 3.990%. 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.
Rate: 3.990%; APR: 3.990%. 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.
Rate: 3.990%; APR: 3.990%. 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.
Rate: 3.990%; APR: 3.990%. 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.
- Oct 5, 20263.99%▼ from 4.49%
- Sep 18, 20264.49%first recorded
- Oct 5, 20263.99%▼ from 4.74%
- Sep 18, 20264.74%first recorded
As low as; .25% rate discount with auto pay or direct deposit
As low as; .25% rate discount with auto pay or direct deposit
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
- Oct 5, 20263.99%▲ from 3.74%
- Sep 14, 20263.74%first recorded
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
All rates quoted are the lowest available rates. Actual rate will be based on overall creditworthiness. Other rates and terms may apply. A representative monthly payment for a 24 month vehicle loan at 3.99% APR is Rates accurate as of 10/9/2026 11:30 AM and subject to change without notice. Broadview membership is required.
- Oct 10, 20263.99%▼ from 4.24%
- Sep 14, 20264.24%first recorded
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)
As Low As; Auto Pay Discount: 3.89%
18 - 19
As Low As; Model Year: 2023 - 2027
As Low As; Terms up to 24 months
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
Published APR range: 4.00% - 14.25%.
Credit Score: 760+; Credit Tier: A+
- Oct 5, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Loan Special
- Sep 21, 20264.00%▼ from 4.99%
- Sep 17, 20264.99%first recorded
As Low As; Model Year: 2025 or Newer
As Low As; Model Year: 2024-2020
As Low As; Model Year: 2019 or Older
Model Years: 2023 - 2027
Model Years: 2023 - 2027
Rates Effective September 18, 2026.
As low as
Rate applies to New/Used Auto. *
As Low As; [1] All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history.
Published APR range: 4.15% - 14.40%.
As low as; Terms for models 2025-2027
As low as; Rates effective 09/01/2026. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the Credit Union for complete details. All rates listed are APR (Annual Percentage Rate).
As Low As; *
As Low As; Max Mileage 60,000; Max Term for automobiles 5 to 6 years is 72 months; Max Mileage for Auto Loans is 150,000
100% financing of purchase price, tax and license
As Low As; [1] All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history.
Credit Grade / Score: A+ (730+)
Model Years: 2023 and Newer
- Oct 10, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
Model Years: 2023 and Newer
- Oct 10, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Model Years: 2023 and Newer
- Oct 10, 20264.24%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Lowest rates based on "A" credit rating
Lowest rates based on "A" credit rating
Lowest rates based on "A" credit rating
Lowest rates based on "A" credit rating
As Low As; Auto Pay Discount: 4.14%
As Low As; Terms up to 36 months
As Low As; Terms up to 48 months
As Low As; Terms up to 60 months
Additional APR listed for this product: 4.99%. As Low As
Additional APR listed for this product: 4.99%. As Low As
Additional APR listed for this product: 4.99%. As Low As
Additional APR listed for this product: 4.99%. As Low As
Published APR range: 4.25% - 14.50%.
Loan Special
- Sep 21, 20264.25%▼ from 5.19%
- Sep 17, 20265.19%first recorded
NO PLEDGE; 10% Senior (62+) / Military / and First Responder discount on unsecured loans over $5000
Tier A
As Low As; New Auto / Motorcycle Loan (2025-2026)
Model Year: 2021- 2026
As Low As; *
As Low As; Model Year: 2024-2020
As Low As; Model Year: 2019 or Older
Published APR range: 4.25% - 8.25%.
As low as
As Low As; Fixed Rate
Model Year: 2026 - 25
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
Model Years: 2023 - 2027
As Low As; Model Year: New 2026-2025; Max. Term
As Low As; Model Year: 2023 - 2027
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
As Low As; Model Year: 2023 - 2027
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
As Low As; Model Year: 2023 - 2027
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
As low as; Used Auto Loan - 2021-2026
Direct Deposit
With Direct Deposit
- Oct 5, 20264.29%▼ from 4.49%
- Sep 17, 20264.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Published APR range: 4.49% - 12.24%. Auto (2024 & newer) 102% of NADA plus taxes and fees.
As Low As; Model Year: 2022-2027 (minimum loan amount $30,000)
APR with Discount as low as*: 3.99%
APR with Discount as low as*: 3.99%
As Low As; [1] All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history.
Credit Grade / Score: A+ (730+)
Credit Grade / Score: A+ (730+)
2025 - 2027
Lowest rates based on "A" credit rating
As Low As; Auto Pay Discount: 4.39%
Published APR range: 4.49% - 11.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
Published APR range: 4.49% - 11.50%. Rates are based on Credit ratings, Credit history, Loan to Value (LTV) and Term of loan. Your rate may vary. Rates are subject to change.
As Low As*
As Low As; *
As Low As; *
As Low As; Terms up to 72 months; minimum loan amount $20,000 for terms 72 months or greater
Additional APR listed for this product: 5.24%. As Low As
Credit Score: 700-759; Credit Tier: A
Credit Limit: Up To 100% Financing; Model Year: 2026 - 2027
- Oct 4, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Beacon Score: 725+
Beacon Score: 725+
As Low As; *
Rate applies to New/Used Auto. *
5%-40% down payment
Rate: 4.500%; APR: 4.500%. 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; Model Year: 2025 or Newer
As Low As; Model Year: 2024-2020
As Low As; Model Year: 2019 or Older
Published APR range: 4.50% - 8.50%.
Model Year: 2024
- Sep 18, 20264.50%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Introductory APR* First 6 Months; After Introductory Period: Prime + 4.00%
16 - 17
Model Year: 2022 & Older
As Low As; Model Year: New 2026-2025; Max. Term
Rates Effective September 18, 2026.
As Low As
As Low As; Rates subject to change.
As Low As; *
Up to 100% NADA + Tax + Warranty
Up to 100% NADA + Tax + Warranty
As Low As; *
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
Saddle Rock New Auto Auto Loan Rates
As low as; Rates effective 09/01/2026. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the Credit Union for complete details. All rates listed are APR (Annual Percentage Rate).
20 - 21
As low as; New Auto Loan - 2026 and newer
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates Effective September 18, 2026.
With Direct Deposit
Published APR range: 3.50% - 13.75%.
As low as*; Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low as
As low as; Rates effective 09/01/2026. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the Credit Union for complete details. All rates listed are APR (Annual Percentage Rate).
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
- Oct 5, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low as
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low as
As Low As
As Low As; Rates subject to change.
Rate applies to New/Used Auto. *
Rate includes auto-pay discount of .25%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
As low as; New Auto Loan - 2026 and newer
As Low As
As Low As
As Low As; Model Year: 2022-2027
The following rates may be higher based on your credit score:
Without Direct Deposit
- Oct 5, 20263.99%▼ from 4.49%
- Sep 18, 20264.49%first recorded
- Oct 5, 20263.99%▼ from 4.74%
- Sep 18, 20264.74%first recorded
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Up to $100,000.00; New purchases only (excludes refinances on existing MEFCU loans)
As Low As; Auto Pay Discount: 3.89%
As Low As; Model Year: 2023 - 2027
As Low As; Terms up to 24 months
Published APR range: 4.00% - 14.25%.
Loan Special
- Sep 21, 20264.00%▼ from 4.99%
- Sep 17, 20264.99%first recorded
Rates Effective September 18, 2026.
As low as
Rate applies to New/Used Auto. *
As Low As; [1] All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history.
Published APR range: 4.15% - 14.40%.
As low as; Rates effective 09/01/2026. Creditworthiness factors, and other loan terms may affect the actual rate offered. Other conditions may apply. Contact the Credit Union for complete details. All rates listed are APR (Annual Percentage Rate).
As Low As; *
100% financing of purchase price, tax and license
As Low As; [1] All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history.
Credit Grade / Score: A+ (730+)
As Low As; Auto Pay Discount: 4.14%
As Low As; Terms up to 36 months
As Low As; Terms up to 48 months
As Low As; Terms up to 60 months
Published APR range: 4.25% - 14.50%.
Loan Special
- Sep 21, 20264.25%▼ from 5.19%
- Sep 17, 20265.19%first recorded
NO PLEDGE; 10% Senior (62+) / Military / and First Responder discount on unsecured loans over $5000
Tier A
As Low As; *
As Low As; Fixed Rate
As Low As; Model Year: New 2026-2025; Max. Term
As Low As; Model Year: 2023 - 2027
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
As Low As; Model Year: 2023 - 2027
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
As Low As; Model Year: 2023 - 2027
- Oct 8, 20264.25%▼ from 4.69%
- Sep 16, 20264.69%first recorded
With Direct Deposit
- Oct 5, 20264.29%▼ from 4.49%
- Sep 17, 20264.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Published APR range: 4.49% - 12.24%. Auto (2024 & newer) 102% of NADA plus taxes and fees.
As Low As; Model Year: 2022-2027 (minimum loan amount $30,000)
APR with Discount as low as*: 3.99%
As Low As; [1] All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history.
Credit Grade / Score: A+ (730+)
As Low As; Auto Pay Discount: 4.39%
As Low As*
As Low As; *
As Low As; *
As Low As; Terms up to 72 months; minimum loan amount $20,000 for terms 72 months or greater
Credit Limit: Up To 100% Financing; Model Year: 2026 - 2027
- Oct 4, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Rate applies to New/Used Auto. *
5%-40% down payment
As Low As; Model Year: New 2026-2025; Max. Term
As Low As
As Low As; Rates subject to change.
Up to 100% NADA + Tax + Warranty
Up to 100% NADA + Tax + Warranty
As Low As; *
As low as 4.60%*; Applies to applicants with direct deposit of net pay and a checking account.
Saddle Rock Used Auto Auto Loan Rates
As low as; Used Auto Loan - 2021-2026
Term: 1 and 2 year old auto; Published APR range: 3.75% - 4.25%.
Term: 3 and 4 year old auto; Published APR range: 3.75% - 4.25%.
Published APR range: 3.75% - 4.25%.
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Rates Effective September 18, 2026.
Rate applies to New/Used Auto. *
Rate includes auto-pay discount of .25%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
As Low As; Model Year: 2022-2027
The following rates may be higher based on your credit score:
Rate: 3.990%; APR: 3.990%. 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.
Rate: 3.990%; APR: 3.990%. 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.
Rate: 3.990%; APR: 3.990%. 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.
Rate: 3.990%; APR: 3.990%. 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.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Limited Time Special Rate! This is a limited time special rate offer and can expire at anytime without notice. Rates apply to new and used vehicles, or a refinanced auto loan from another lender or a leased auto buyout.
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
As Low As; Auto Pay Discount: 3.89%
18 - 19
Rate applies to New/Used Auto. *
As Low As; Auto Pay Discount: 4.14%
As Low As; Fixed Rate
Up to $100,000.00; Used purchases only (excludes refinances on existing MEFCU loans)
As low as; Used Auto Loan - 2021-2026
As Low As; Model Year: 2022-2027 (minimum loan amount $30,000)
APR with Discount as low as*: 3.99%
Credit Grade / Score: A+ (730+)
As Low As; Auto Pay Discount: 4.39%
Rate applies to New/Used Auto. *
Rate: 4.500%; APR: 4.500%. 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.
16 - 17
Rates Effective September 18, 2026.
Saddle Rock, NY Auto Loan Rate Trends
Compare local Saddle Rock, 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 0.110 points over the past 7 days to 5.281% APR.
New York used auto rates fell 0.032 points over the past 7 days to 5.978% APR.
Saddle Rock, NY Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current New York figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average New York APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.28% APR NY average | Used Auto @ 5.98% APR NY average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.01/mo | $289.84/mo | $4.83/mo |
| $25,000 | $475.01/mo | $483.06/mo | $8.05/mo |
| $35,000 | $665.01/mo | $676.29/mo | $11.27/mo |
| $45,000 | $855.02/mo | $869.51/mo | $14.49/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Saddle Rock, New York
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Saddle Rock, New York locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in New York. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Saddle Rock, New York high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Saddle Rock, New York CD rates lock in a guaranteed return until you’re ready to buy
Saddle Rock, New York Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 8.2% of the median individual income in Saddle Rock, New York. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Saddle Rock, New York, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Saddle Rock, New York. We’ve prefilled the APR with today’s NY new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saddle Rock, 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 Saddle Rock, 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 Saddle Rock, 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.
Bad Credit Auto Loans in Saddle Rock, New York
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Saddle Rock, 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?
Should I get preapproved for an auto loan before visiting a dealer in Saddle Rock, New York?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Saddle Rock, New York?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Saddle Rock, New York?
- Boulevard Federal Credit Union: 1.99% (Auto Loan)
- Triboro Postal Federal Credit Union: 2.25% (New Car Loan)
- Meridia Community Federal Credit Union: 2.99% (New Auto Loan)
- Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan)
- Afgm Enterprises Federal Credit Union: 3.00% (New Auto / Truck)
Saddle Rock, New York Rates & Resources
