Auto Loan Rates in Saratoga Springs, New York (NY) for April 2026
Brian McKay
Brian McKay
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Current auto loan rates in Saratoga Springs, New York include First New York Federal Credit UnionFirst New York Federal Credit Union424 Maple Ave, Saratoga Springs, NY, 12866 5506A+5.0 ★Texas Ratio: 5.90% offering New Auto Loan at 3.99%, BROADVIEWBROADVIEW815 N Broadway, Saratoga Springs, NY, 12866 1632A+5.0 ★Texas Ratio: 0.00% offering Vehicle Loan at 3.99%, TrustCo BankTrustCo Bank3065 Route 50, Saratoga Springs, NY, 12866A+5.0 ★Texas Ratio: 3.16% offering Auto Loans: New Vehicle at 4.99%, SUNY Fredonia Federal Credit UnionSUNY Fredonia Federal Credit UnionA+5.0 ★Texas Ratio: 0.82% offering New Vehicle Loans 2024 or Newer (A+, A Credit Scores) at 1.90%, Triboro Postal Federal Credit UnionTriboro Postal Federal Credit UnionA+5.0 ★Texas Ratio: 0.76% offering New Car at 2.25%. Auto loan rates as of April 17, 2026 according to verified data from MonitorBankRates.
Saratoga Springs has 3 local institutions in our database, with auto loan rates as low as 3.99% APR from First New York Federal Credit Union at 424 Maple Ave, Saratoga Springs, NY, 12866 5506. 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 Saratoga Springs, New York. Auto Loan Rates Last Updated and Verified: April 17, 2026
Compare Auto Loan Rates Today in Saratoga Springs, 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; 2 years
As Low As; Vehicle Loan
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; *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; *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; *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.
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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 2026-2027. 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 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 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.
20 - 21
As Low As; for 60 months
As Low As; for 60 months
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.
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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; Rate includes auto-pay discount of .25%
As Low As; Rate includes auto-pay discount of .25%
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Credit Score 760+, Credit Tier A+
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As Low As; For New Models 2026-2022
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As Low As; APR - 2026 & Newer
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18 - 19
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Credit Score 760+, Credit Tier A+
Up To 100% Financing
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As Low As; For New Models 2026-2022
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Grade/Score: A+ /730+
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As Low As; 2023 - 2026 - 60 months
As Low As; 2025 & newer
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As Low As; w/ Auto Pay Discount
As Low As; 2024 & Older
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Grade/Score: A+ /730+
Grade / Score: A+ / 730+
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As Low As; 10% down payment
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As Low As; Only Available to "A+," "A," "B," and "C."
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Credit Score 700-759, Credit Tier A
16 - 17
Beacon Score 725+
Beacon Score 725+
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As Low As; 2024 & Older
As Low As; Rates from 4.68% to 10.84%
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As Low As; For New Models 2026-2022
Grade/Score: A / 680-729
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As Low As; 2025 & newer
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Credit Score 700-759, Credit Tier A
As Low As; Effective 4/09/26-6/09/26; 2022 and older vehicles rates start at 36 months
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As Low As; for up to 24 months
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Auto Payment
As Low As; 2024 & Older
Auto Payment
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As Low As; For Used Models 2021-2017
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As Low As; 100% financing of purchase price, tax and license
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Min amt financed of $20,000 for terms ? 67 months
Grade/Score: A+ /730+
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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.
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As Low As; Max Term: up to 48 months, Max Amount: $65,000
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As Low As; APR - 2023 - 2025*
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As Low As; 2020-2022 - 60 months
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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; 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 2026-2027. 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.
20 - 21
As Low As; for 60 months
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; 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; Rate includes auto-pay discount of .25%
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As Low As; For New Models 2026-2022
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Up To 100% Financing
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As Low As; For New Models 2026-2022
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Grade/Score: A+ /730+
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As Low As; 2023 - 2026 - 60 months
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As Low As; as low as...
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Grade/Score: A+ /730+
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As Low As; 10% down payment
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As Low As; Only Available to "A+," "A," "B," and "C."
Beacon Score 725+
Beacon Score 725+
As Low As
As Low As
As Low As; For New Models 2026-2022
Grade/Score: A / 680-729
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As Low As; as low as...
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Auto Payment
Auto Payment
As Low As; 100% financing of purchase price, tax and license
As Low As
Min amt financed of $20,000 for terms ? 67 months
Grade/Score: A+ /730+
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; Max Term: up to 48 months, Max Amount: $65,000
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As Low As; for 60 months
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As Low As; Only Available to "A+," "A," "B," and "C."
As Low As; Rate includes auto-pay discount of .25%
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18 - 19
As Low As
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As Low As; as low as...
Grade / Score: A+ / 730+
As Low As
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As Low As; Only Available to "A+," "A," "B," and "C."
As Low As
16 - 17
Beacon Score 725+
Beacon Score 725+
As Low As
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As Low As; as low as...
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As Low As; For Used Models 2021-2017
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As Low As; 2020-2022 - 60 months
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Saratoga Springs, NY Auto Loan Rate Trends
Compare local Saratoga Springs, 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 0.003 points over the past 7 days to 5.661% APR.
New York used auto rates rose 0.006 points over the past 7 days to 6.587% APR.
Frequently Asked Questions about Auto Loans in Saratoga Springs, 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 Saratoga Springs, New York?
- First New York Federal Credit Union: 3.99% (New Auto Loan)
- BROADVIEW: 3.99% (Vehicle Loan)
- TrustCo Bank: 4.99% (Auto Loans: New Vehicle)
- SUNY Fredonia Federal Credit Union: 1.90% (New Vehicle Loans 2024 or Newer (A+, A Credit Scores))
- Triboro Postal Federal Credit Union: 2.25% (New Car)
Saratoga Springs, New York Rates & Resources
