Auto Loan Rates in South Plymouth, New York (NY) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in South Plymouth, New York. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in South Plymouth, New York include 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%, Medisys Employees Federal Credit UnionMedisys Employees Federal Credit UnionA+5.0 ★Texas Ratio: 1.15% offering New Automobile Loans at 1.99%, Triboro Postal Federal Credit UnionTriboro Postal Federal Credit UnionA+5.0 ★Texas Ratio: 0.76% offering New Car at 2.25%, Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit UnionA+5.0 ★Texas Ratio: 2.61% offering New Auto Loan at 2.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
South Plymouth borrowers have access to 69 lenders serving the New York area, with auto loan rates as low as 1.90% APR from SUNY Fredonia 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 South Plymouth, New York. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in South Plymouth, New York & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
▼
APR1.90%
Term1-5 Years
Last UpdatedApr 18, 2026
Details
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Automobile Loans
1.99%
60 months
▼
APR1.99%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Automobile Loans
1.99%
60 months
▼
APR1.99%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
20 - 21
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
2.99%
4 years
▼
APR2.99%
Term4 years
Last UpdatedApr 5, 2026
Details
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.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedApr 5, 2026
Details
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.
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedApr 18, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Auto Loan Special
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR3.50%
Term24 months
Last UpdatedApr 19, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
APR3.90%
Term1-4 Years
Last UpdatedApr 18, 2026
Details
As Low As
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New Automobile - Model years 2025 or newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Automobile - Model years 2020 or newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Auto Loans
3.99%
4 years
▼
APR3.99%
Term4 years
Last UpdatedApr 5, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
18 - 19
Community Resource Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
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.
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedApr 17, 2026
Details
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.
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedApr 19, 2026
Details
APR3.99%
Term12-60
Last UpdatedApr 19, 2026
Details
APR3.99%
Term12-24
Last UpdatedApr 19, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedApr 18, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.15%
Term48 months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedApr 17, 2026
Details
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.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.24%
12 Months
▼
APR4.24%
Term12 Months
Last UpdatedApr 19, 2026
Details
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023 - 2026 - 60 months
APR4.24%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2025 & newer
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedApr 18, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
4.25%
1-36
▼
APR4.25%
Term1-36
Last UpdatedApr 18, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedApr 18, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR4.25%
Term60 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR4.25%
Term25-36
Last UpdatedApr 19, 2026
Details
APR4.44%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 17, 2026
Details
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.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedApr 18, 2026
Details
As Low As
TrailNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.49%
49-66
▼
APR4.49%
Term49-66
Last UpdatedApr 18, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Auto Loans - 3-6 years old
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
Grade / Score: A+ / 730+
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.49%
up to 36 months
▼
APR4.49%
Termup to 36 months
Last UpdatedApr 19, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.39%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Term5 years
Last UpdatedApr 5, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedApr 18, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedApr 18, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
APR4.50%
Term37-48
Last UpdatedApr 19, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
APR4.64%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 16, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedApr 18, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedApr 19, 2026
Details
APR4.74%
Term61-75
Last UpdatedApr 19, 2026
Details
As Low As; 2025 & newer
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 16, 2026
Details
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
CONVENTIONAL AUTO LOAN MODEL YEARS: 2022 & OLDER
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Gowanda Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2022 and older vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
48 Month
▼
APR4.75%
Term48 Month
Last UpdatedApr 18, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedApr 18, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
4.75%
1-36
▼
APR4.75%
Term1-36
Last UpdatedApr 18, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedApr 18, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Cars
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
Auto Loans - Cars, Trucks, and SUVs
4.75%
Up to 24 Months
▼
APR4.75%
TermUp to 24 Months
Last UpdatedApr 18, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2023 - 17
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedApr 18, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Auto Loan
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedApr 18, 2026
Details
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans
4.90%
5-6 Years
▼
APR4.90%
Term5-6 Years
Last UpdatedApr 18, 2026
Details
As Low As
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2026 - 24
4.90%
84 Months
▼
APR4.90%
Term84 Months
Last UpdatedApr 19, 2026
Details
APR4.94%
Term61-75
Last UpdatedApr 19, 2026
Details
As Low As; 2024 & Older
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedApr 18, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedApr 16, 2026
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 5, 2026
Details
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.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 16, 2026
Details
Auburn Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
First Source Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.13%
Auto Loan
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedApr 17, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2021-2023
4.99%
1 - 48
▼
APR4.99%
Term1 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedApr 18, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Self Reliance NY Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 18, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedApr 18, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Up To 3-Year Auto Loan
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 18, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; For Used Models 2021-2017
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New Auto (2025 & newer)
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.99%
67-75
▼
APR4.99%
Term67-75
Last UpdatedApr 18, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Syracuse Cooperative Federal Credit Union
Institution Rating:
F2.9 ★ Texas Ratio: 40.19%
Auto Loans - Cars, Trucks, and SUVs
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
New Automobile Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
New Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
Used Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
Auto Loan
4.99%
48-months
▼
APR4.99%
Term48-months
Last UpdatedApr 19, 2026
Details
As Low As
Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
Auto Loans
4.99%
48-months
▼
APR4.99%
Term48-months
Last UpdatedApr 19, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2020 - 2022
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Automobiles 2023 - 2026
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Used Automobiles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2020-2022 - 60 months
APR4.99%
Term37-60
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Auto Loans
4.99%
37 - 48 months
▼
APR4.99%
Term37 - 48 months
Last UpdatedApr 19, 2026
Details
As Low As; w/ Auto Pay Discount: as low as 4.89%
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
FNB of Groton
Institution Rating:
A5.0 ★ Texas Ratio: 10.31%
Summer Auto Loan Sale
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 3, 2026
Details
As Low As; Promotional rate includes a 0.25% reduction for having automatic payment from a Groton Bank deposit account. Higher rates and down payment may apply depending on term and credit history. Application must be submitted before July 31, 2026. Application is only valid for 30 days upon approval. Up to 72 month term available. Rates advertised are promotional rates. Refinance of existing Groton Bank auto loans are subject to certain restrictions. Estimated monthly payment example: for a $25,000 auto loan with a term of 60 months at 5.00% APR, the monthly payment will be $471.77. All loans subject to standard underwriting guidelines and approval. Interest accrual will begin as of the loan date. Rates and offer are subject to change without notice. Certain terms, exclusions, and conditions may apply.
Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Auto/Truck
5.00%
0 - 36
▼
APR5.00%
Term0 - 36
Last UpdatedApr 4, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Vehicles
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
5.00%
66 Month
▼
APR5.00%
Term66 Month
Last UpdatedApr 18, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
5.00%
54 Month
▼
APR5.00%
Term54 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars (Model Years 2023-2021)
5.00%
36-48 Months
▼
APR5.00%
Term36-48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New Auto
5.00%
0-35 Months
▼
APR5.00%
Term0-35 Months
Last UpdatedApr 18, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
5.00%
6 Years
▼
APR5.00%
Term6 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
5.00%
37-60
▼
APR5.00%
Term37-60
Last UpdatedApr 18, 2026
Details
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
5.00%
37 - 60
▼
APR5.00%
Term37 - 60
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2020 and older
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedApr 18, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2016 - 13
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedApr 19, 2026
Details
APR5.00%
Term72 months
Last UpdatedApr 19, 2026
Details
APR5.00%
Term24 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027
5.07%
66 Months
▼
APR5.07%
Term66 Months
Last UpdatedApr 16, 2026
Details
BUFFALO CONRAIL
Institution Rating:
B+4.7 ★ Texas Ratio: 18.78%
Auto Loans 2023 - 17
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
New Auto (up to 90 % LTV)
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
XCEL Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Vehicle - fixed rate
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2022-2020 Auto Loan
5.15%
5 Years
▼
APR5.15%
Term5 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
Used Autos (3 Years and Older)
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
5.17%
72 Months
▼
APR5.17%
Term72 Months
Last UpdatedApr 16, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans 2024 or Newer (A+, A Credit Scores)
1.90%
1-5 Years
▼
APR1.90%
Term1-5 Years
Last UpdatedApr 18, 2026
Details
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Automobile Loans
1.99%
60 months
▼
APR1.99%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New Car
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
20 - 21
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
2.99%
4 years
▼
APR2.99%
Term4 years
Last UpdatedApr 5, 2026
Details
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.
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
3.50%
5 years
▼
APR3.50%
Term5 years
Last UpdatedApr 5, 2026
Details
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.
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedApr 18, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR3.50%
Term24 months
Last UpdatedApr 19, 2026
Details
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
New Auto (2024 or newer)
3.70%
24 to 84 months
▼
APR3.70%
Term24 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
New Automobile - Model years 2025 or newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Automobile - Model years 2020 or newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedApr 17, 2026
Details
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.
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
3.99%
1 to 60
▼
APR3.99%
Term1 to 60
Last UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 2 Year Loan (2023 and Newer)
3.99%
2 Months
▼
APR3.99%
Term2 Months
Last UpdatedApr 19, 2026
Details
APR3.99%
Term12-60
Last UpdatedApr 19, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.00%
36 Month
▼
APR4.00%
Term36 Month
Last UpdatedApr 18, 2026
Details
Up To 100% Financing
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.00%
61 - 72 months
▼
APR4.00%
Term61 - 72 months
Last UpdatedApr 18, 2026
Details
APR4.00%
Term36 months
Last UpdatedApr 19, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.15%
Term48 months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedApr 17, 2026
Details
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.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.24%
1 - 48
▼
APR4.24%
Term1 - 48
Last UpdatedApr 18, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
4.24%
61 to 66
▼
APR4.24%
Term61 to 66
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 3 Year Loan (2023 and Newer)
4.24%
3 Months
▼
APR4.24%
Term3 Months
Last UpdatedApr 19, 2026
Details
APR4.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2023 - 2026 - 60 months
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.25%
48 Month
▼
APR4.25%
Term48 Month
Last UpdatedApr 18, 2026
Details
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.25%
1 - 36
▼
APR4.25%
Term1 - 36
Last UpdatedApr 18, 2026
Details
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
New Auto
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR4.25%
Term60 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
APR4.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
First New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
New Auto Loan
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 17, 2026
Details
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.
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.49%
49 - 60
▼
APR4.49%
Term49 - 60
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New Vehicle - fixed rate
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.49%
49-66
▼
APR4.49%
Term49-66
Last UpdatedApr 18, 2026
Details
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans (2023-2027)
4.49%
67 to 72
▼
APR4.49%
Term67 to 72
Last UpdatedApr 18, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New automobile
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 4 Year Loan (2023 and Newer)
4.49%
4 Months
▼
APR4.49%
Term4 Months
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.50%
54 Month
▼
APR4.50%
Term54 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Afgm Enterprises Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
New Auto / Truck
4.50%
73 - 84 months
▼
APR4.50%
Term73 - 84 months
Last UpdatedApr 18, 2026
Details
Ukrainian National Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.85%
New Car Loans
4.50%
Up to 5 years
▼
APR4.50%
TermUp to 5 years
Last UpdatedApr 18, 2026
Details
As Low As; 10% down payment
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR4.50%
Term37-48
Last UpdatedApr 19, 2026
Details
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
New Autos (2 Years and Newer)
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 16, 2026
Details
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; For New Models 2026-2022
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 5 Year Loan (2023 and Newer)
4.74%
5 Months
▼
APR4.74%
Term5 Months
Last UpdatedApr 19, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
4.75%
60 Month
▼
APR4.75%
Term60 Month
Last UpdatedApr 18, 2026
Details
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto
4.75%
0-35
▼
APR4.75%
Term0-35
Last UpdatedApr 18, 2026
Details
As Low As
UFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
New Auto Loan
4.75%
0-35 Months
▼
APR4.75%
Term0-35 Months
Last UpdatedApr 18, 2026
Details
As Low As
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
4.75%
1 - 36
▼
APR4.75%
Term1 - 36
Last UpdatedApr 18, 2026
Details
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Cars
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details
As Low As
Academic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Vehicles
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
CANANDAIGUA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
New Auto Loan or new vehicles up to 5000 miles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedApr 18, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details
As Low As
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loans
4.90%
6 Years
▼
APR4.90%
Term6 Years
Last UpdatedApr 18, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedApr 17, 2026
Details
Auto Payment
Williamsville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
Auto Loans - New 2025-2026
4.95%
72 months
▼
APR4.95%
Term72 months
Last UpdatedApr 18, 2026
Details
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
4.97%
66 Months
▼
APR4.97%
Term66 Months
Last UpdatedApr 16, 2026
Details
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto Loan
4.99%
6 years
▼
APR4.99%
Term6 years
Last UpdatedApr 5, 2026
Details
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.
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loans: New Vehicle
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedApr 16, 2026
Details
APR4.99%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Vehicle Loans - Model Years 2024 and newer
4.99%
61 - 72
▼
APR4.99%
Term61 - 72
Last UpdatedApr 18, 2026
Details
As Low As
Fox Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
New Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; 100% financing of purchase price, tax and license
Finger Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New Auto (2025 & newer)
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Auto Loans
4.99%
67-75
▼
APR4.99%
Term67-75
Last UpdatedApr 18, 2026
Details
Min amt financed of $20,000 for terms ? 67 months
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
Greece Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
New Automobile Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; Max Term: up to 48 months, Max Amount: $65,000
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
New Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
BROADVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan 6 Year Loan (2023 and Newer)
4.99%
6 Months
▼
APR4.99%
Term6 Months
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Dannemora Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Auto/Truck
5.00%
0 - 36
▼
APR5.00%
Term0 - 36
Last UpdatedApr 4, 2026
Details
As Low As
TCT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
CONVENTIONAL AUTO LOAN MODEL YEARS: 2023 & NEWER
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Adirondack Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Vehicles
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
New Autos (2025-2026)
5.00%
66 Month
▼
APR5.00%
Term66 Month
Last UpdatedApr 18, 2026
Details
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
TruNorthern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
New Auto
5.00%
0-35 Months
▼
APR5.00%
Term0-35 Months
Last UpdatedApr 18, 2026
Details
As Low As; * Minimum Amount May Apply. Please call (518) 483-8668 for more information.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
2023 & Newer Auto Loan
5.00%
6 Years
▼
APR5.00%
Term6 Years
Last UpdatedApr 18, 2026
Details
Up to 100% NADA + Tax + Warranty
Ulster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New Vehicles
5.00%
37 - 60
▼
APR5.00%
Term37 - 60
Last UpdatedApr 18, 2026
Details
APR5.00%
Term72 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Nassau Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.85%
New Auto (up to 90 % LTV)
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details
The Summit Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Auto
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 17, 2026
Details
Billing
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Auto - 2025-2027
5.17%
72 Months
▼
APR5.17%
Term72 Months
Last UpdatedApr 16, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Automobile Loans
1.99%
60 months
▼
APR1.99%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
NIAGARAS CHOICE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
APR3.70%
Term24 to 72 months
Last UpdatedApr 19, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
APR3.90%
Term1-4 Years
Last UpdatedApr 18, 2026
Details
As Low As
Sweet Home Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.62%
Used Automobile - Model years 2020 or newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Auto Loans
3.99%
4 years
▼
APR3.99%
Term4 years
Last UpdatedApr 5, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 17, 2026
Details
18 - 19
Niagara Wheatfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedApr 18, 2026
Details
APR3.99%
Term12-24
Last UpdatedApr 19, 2026
Details
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.10%
60 Months
▼
APR4.10%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.25%
2 Months
▼
APR4.25%
Term2 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
APR4.25%
Term25-36
Last UpdatedApr 19, 2026
Details
Mohawk Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Used Auto Loans - 3-6 years old
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
Grade / Score: A+ / 730+
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2021 - 2026
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 18, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Used Auto Loans
4.50%
5 years
▼
APR4.50%
Term5 years
Last UpdatedApr 5, 2026
Details
As Low As
Triboro Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
Used Car
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
16 - 17
MAMTA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New & Used Cars
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.50%
36 Month
▼
APR4.50%
Term36 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars & Used Cars (2026 - 2025, 2024) 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Ontario Shores Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New/Used Auto
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New & Used Autos
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
GPO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Used Auto Loans (2019-2022)
4.74%
1 to 60
▼
APR4.74%
Term1 to 60
Last UpdatedApr 18, 2026
Details
As Low As
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 16, 2026
Details
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
4.75%
48 Month
▼
APR4.75%
Term48 Month
Last UpdatedApr 18, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
4.75%
3 Months
▼
APR4.75%
Term3 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
4.83%
2 years
▼
APR4.83%
Term2 years
Last UpdatedApr 18, 2026
Details
As Low As
SUNY Fredonia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Used or Refi Vehicle Loans
4.90%
5-6 Years
▼
APR4.90%
Term5-6 Years
Last UpdatedApr 18, 2026
Details
As Low As
Affinity One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Used Auto Loans
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Western New York Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
Used Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; For Used Models 2021-2017
Medisys Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New and Used Automobiles
4.99%
36 Months or Less
▼
APR4.99%
Term36 Months or Less
Last UpdatedApr 18, 2026
Details
As Low As
The Heart Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
IAM Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.65%
Used Car Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details
SPECIAL METALS
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
Used Automobiles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2020-2022 - 60 months
APR4.99%
Term37-60
Last UpdatedApr 19, 2026
Details
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Same rate on NEW or USED vehicles
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Cadets Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Used Autos (2015-2025)
5.00%
54 Month
▼
APR5.00%
Term54 Month
Last UpdatedApr 18, 2026
Details
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars (Model Years 2023-2021)
5.00%
36-48 Months
▼
APR5.00%
Term36-48 Months
Last UpdatedApr 18, 2026
Details
Beacon Score 725+
Pittsford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New & Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
Town of Cheektowaga Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Used automobile 2020 and older
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedApr 18, 2026
Details
APR5.00%
Term24 months
Last UpdatedApr 19, 2026
Details
NORTH TOWNS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New and used Vehicle (Purchase or Refinance) - Model year 2011 or Newer
5.00%
4 Months
▼
APR5.00%
Term4 Months
Last UpdatedApr 19, 2026
Details
As Low As; as low as...
Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Used Auto - 2025-2027
5.07%
66 Months
▼
APR5.07%
Term66 Months
Last UpdatedApr 16, 2026
Details
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
5.13%
3 years
▼
APR5.13%
Term3 years
Last UpdatedApr 18, 2026
Details
As Low As
Greater Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Used Vehicle - fixed rate
5.14%
36 Months
▼
APR5.14%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
GREATER CHAUTAUQUA
Institution Rating:
C4.0 ★ Texas Ratio: 26.83%
Used Autos (3 Years and Older)
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
North Country Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
New/Used Vehicles with Titles
5.18%
5 years
▼
APR5.18%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
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South Plymouth, NY Auto Loan Rate Trends
Compare local South Plymouth, 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 Auto Loan — NY Avg
5.661%
▼ 0.003 vs 7 days ago
New York new auto rates fell 0.003 points over the past 7 days to 5.661% APR.
Used Auto Loan — NY Avg
6.587%
▲ 0.006 vs 7 days ago
New York used auto rates rose 0.006 points over the past 7 days to 6.587% APR.
As of Apr 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in South Plymouth, New York
How does my credit score affect my car loan rate in New York?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in South Plymouth, New York with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in New York *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in South Plymouth, New York typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in South Plymouth, New York?
Based on our current data, some of the lowest auto loan rates available in South Plymouth, New York include:
- SUNY Fredonia Federal Credit Union: 1.90% (New Vehicle Loans 2024 or Newer (A+, A Credit Scores))
- Medisys Employees Federal Credit Union: 1.99% (New Automobile Loans)
- Triboro Postal Federal Credit Union: 2.25% (New Car)
- Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Plymouth, New York. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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