Syracuse, New York Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Syracuse, New York auto loan rates range from 1.99% to 12.25% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Syracuse, New York include Money Federal Credit UnionMoney Federal Credit Union125 E Jefferson St, Syracuse, NY, 13202A+5.0 ★Texas Ratio: 0.87% offering Vehicle Loan at 3.99%, Broadview Federal Credit UnionBroadview Federal Credit Union401 S Salina St, Syracuse, NY, 13202 2584A5.0 ★Texas Ratio: 6.36% offering Vehicle Loan at 3.99%, Syracuse Cooperative Federal Credit UnionSyracuse Cooperative Federal Credit Union800 N SALINA ST STE 200, SYRACUSE, NY, 13208 2513C4.0 ★Texas Ratio: 26.96% offering New or Late Model Vehicles Auto Loan at 4.75%, The Summit Federal Credit UnionThe Summit Federal Credit Union1400 ERIE BLVD E, SYRACUSE, NY, 13210A+5.0 ★Texas Ratio: 2.28% offering New Auto at 4.95%, Salt City Federal Credit UnionSalt City Federal Credit Union4800 S Salina St, Syracuse, NY, 13205A+5.0 ★Texas Ratio: 5.13% offering Traditional Vehicle Loan at 4.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Syracuse has 12 local institutions in our database, with auto loan rates as low as 3.99% APR from Money Federal Credit Union at 125 E Jefferson St, Syracuse, NY, 13202. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Syracuse, New York. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Syracuse, New York & Surrounding Area
Syracuse Auto Loan Rates
All rates quoted are the lowest available rates. Actual rate will be based on overall creditworthiness. Other rates and terms may apply. A representative monthly payment for a 24 month vehicle loan at 3.99% APR is Rates accurate as of 10/9/2026 11:30 AM and subject to change without notice. Broadview membership is required.
- Oct 10, 20263.99%▼ from 4.24%
- Sep 14, 20264.24%first recorded
Model Years: 2023 and Newer
- Oct 10, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
Model Years: 2023 and Newer
- Oct 10, 20264.24%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Model Years: 2023 and Newer
- Oct 10, 20264.24%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Auto Loans - Cars, Trucks, and SUVs
As Low As; Auto Loans - Cars, Trucks, and SUVs
Fixed APR w/ Auto Payment; Payment per $1,000: $29.95
As Low As; Model Year: New and used 2025 - 2026
Model Year: 2016 and newer
Model Year: 2016 and newer; Maximum term for 2017-2018 models
Model Year: 2016 and newer
As Low As; Auto Loans - Cars, Trucks, and SUVs
Model Years: 2019-2022
- Oct 10, 20264.99%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Model Years: 2019-2022
- Oct 10, 20264.99%▼ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Model Year: New and used 2025 - 2026
Fixed APR w/Billing; Payment per $1,000: $30.06
- Oct 12, 20265.20%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; Auto Loans - Cars, Trucks, and SUVs
As Low As; Model Year: Used 2021 - 2024
Minimum loan amount $25,000
Model Year: 2016 and newer; Maximum term for 2019-2020 models
Model Year: 2016 and newer
Model Years: 2019-2022
- Oct 10, 20265.24%▼ from 5.74%
- Sep 14, 20265.74%first recorded
New Auto - 2025-2027
- Oct 2, 20265.25%▲ from 5.00%
- Sep 15, 20265.00%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $23.14
- Oct 4, 20265.25%▲ from 5.15%
- Sep 14, 20265.15%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
Used Auto - 2025-2027
- Oct 2, 20265.30%▲ from 5.05%
- Sep 15, 20265.05%first recorded
As Low As; Model Year: New and used 2025 - 2026
Fixed APR w/ Auto Payment; Payment per $1,000: $19.03
- Oct 4, 20265.35%▲ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Model Year: Used 2021 - 2024
Fixed APR w/ Auto Payment; Payment per $1,000: $30.17
- Oct 4, 20265.45%▲ from 5.35%
- Sep 14, 20265.35%first recorded
As Low As; Auto Loans - Used Cars and Trucks
As Low As; Auto Loans - Used Cars and Trucks
As Low As; Auto Loans - Used Cars and Trucks
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Model Year: 2016 and newer
Model Years: 2019-2022
- Oct 10, 20265.49%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Fixed APR w/Billing; Payment per $1,000: $23.26
- Oct 12, 20265.50%▲ from 5.25%
- Oct 4, 20265.25%▲ from 5.15%
- Sep 14, 20265.15%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Auto Loans - Cars, Trucks, and SUVs
New Auto - 2025-2027
- Oct 2, 20265.52%▲ from 5.27%
- Sep 15, 20265.27%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $23.28
- Oct 4, 20265.55%▲ from 5.40%
- Sep 14, 20265.40%first recorded
As Low As; Model Year: Used 2021 - 2024
Fixed APR w/Billing; Payment per $1,000: $19.15
- Oct 12, 20265.60%▲ from 5.35%
- Oct 4, 20265.35%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Used Auto - 2025-2027
- Oct 2, 20265.62%▲ from 5.37%
- Sep 15, 20265.37%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $19.17
- Oct 4, 20265.65%▲ from 5.45%
- Sep 14, 20265.45%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Auto Loans - Used Cars and Trucks
Fixed APR w/Billing; Payment per $1,000: $30.29
- Oct 12, 20265.70%▲ from 5.45%
- Oct 4, 20265.45%▲ from 5.35%
- Sep 14, 20265.35%first recorded
New Auto - 2025-2027
- Oct 2, 20265.72%▲ from 5.47%
- Sep 15, 20265.47%first recorded
Model Year: 2021 or newer; Minimum loan amount $25,000
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Auto Loans - Cars, Trucks, and SUVs
Fixed APR w/Billing; Payment per $1,000: $23.39
- Oct 12, 20265.80%▲ from 5.55%
- Oct 4, 20265.55%▲ from 5.40%
- Sep 14, 20265.40%first recorded
Used Auto - 2025-2027
- Oct 2, 20265.82%▲ from 5.57%
- Sep 15, 20265.57%first recorded
As Low As; Model Year: New and used 2025 - 2026
Fixed APR w/ Auto Payment; Payment per $1,000: $16.53
- Oct 4, 20265.90%▲ from 5.85%
- Sep 14, 20265.85%first recorded
Fixed APR w/Billing; Payment per $1,000: $19.29
- Oct 12, 20265.90%▲ from 5.65%
- Oct 4, 20265.65%▲ from 5.45%
- Sep 14, 20265.45%first recorded
As Low As; Auto Loans - Used Cars and Trucks
Fixed APR w/ Auto Payment; Payment per $1,000: $16.55
New Auto - 2025-2027
- Oct 2, 20265.97%▲ from 5.72%
- Sep 15, 20265.72%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 3
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 4
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
Used Auto - 2025-2027
- Oct 2, 20266.07%▲ from 5.82%
- Sep 15, 20265.82%first recorded
As Low As; Model Year: Used 2021 - 2024
Fixed APR w/Billing; Payment per $1,000: $16.64
- Oct 12, 20266.15%▲ from 5.90%
- Oct 4, 20265.90%▲ from 5.85%
- Sep 14, 20265.85%first recorded
Fixed APR w/Billing; Payment per $1,000: $16.67
- Oct 12, 20266.20%▲ from 5.95%
- Sep 14, 20265.95%first recorded
As Low As; Auto Loans - Used Cars and Trucks
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 5
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
New Auto - 2025-2027
- Oct 2, 20266.47%▲ from 6.22%
- Sep 15, 20266.22%first recorded
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 6
- Oct 12, 20266.50%▲ from 6.00%
- Oct 8, 20266.00%first recorded
APR* (standard)
- Oct 12, 20266.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
Used Auto - 2025-2027
- Oct 2, 20266.57%▲ from 6.31%
- Sep 15, 20266.31%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $14.92
- Oct 4, 20266.65%▲ from 6.55%
- Sep 14, 20266.55%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $14.97
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 7
- Oct 12, 20266.75%▲ from 6.25%
- Oct 8, 20266.25%first recorded
APR* (standard)
- Oct 12, 20266.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Up to 100% Financing
Fixed APR w/Billing; Payment per $1,000: $15.04
- Oct 12, 20266.90%▲ from 6.65%
- Oct 4, 20266.65%▲ from 6.55%
- Sep 14, 20266.55%first recorded
Fixed APR w/Billing; Payment per $1,000: $15.09
- Oct 12, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
Business Vehicle Loans; APR*
Business Vehicle Loans; APR*
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Term based on year, mileage and NADA values
As Low As; Standard APR: 8.750%; Business Vehicle Loans; Vehicle Year: 2020-2026; Maximum term printed as 4 (unit taken from Term in Years in the adjacent new-vehicle table); Best rates based on approved credit with maximum relationship discount of 1.00%
Business Vehicle Loans; APR*
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
As Low As; Term based on year, mileage and NADA values
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
As Low As; Term based on year, mileage and NADA values
Business Vehicle Loans; APR*
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
Model Years: 2018 and Older
Model Years: 2018 and Older
Business Vehicle Loans; APR*
Model Years: 2018 and Older
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Financing 80% Book Value ONLY. For collector cars, requires appraisal.
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
As Low As; Terms for models 2025-2027
20 - 21
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
GAP (Guaranteed Asset Protection) Insurance Available
As Low As; Model Year: 2025 or Newer
Current Interest Rate Loan Special
As Low As; Model Year: 2021-2026; APR determined by credit score and model year
As Low As; Auto & Recreational Loans
As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
As Low As; Financing: 100%; Subject to approval based on credit score
GAP (Guaranteed Asset Protection) Insurance Available
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Model Year: 2025 or Newer
Published APR range: 3.50% - 13.75%.
As Low As; Effective as of July 17, 2026
As Low As; Auto (new/used/refinance); Model Year 2024-2026
As Low As; Terms for models 2025-2027
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; Rates based at 740 and higher credit score; subject to approval
Term: Up to 36 months (2021- 2026); As Low As; Model Year: 2021-2026
Risk based scoring premium may apply by FICO score
- Oct 5, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Syracuse New Auto Auto Loan Rates
As Low As; Auto Loans - Cars, Trucks, and SUVs
As Low As; Auto Loans - Cars, Trucks, and SUVs
Fixed APR w/ Auto Payment; Payment per $1,000: $29.95
As Low As; Auto Loans - Cars, Trucks, and SUVs
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
Fixed APR w/Billing; Payment per $1,000: $30.06
- Oct 12, 20265.20%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; Auto Loans - Cars, Trucks, and SUVs
New Auto - 2025-2027
- Oct 2, 20265.25%▲ from 5.00%
- Sep 15, 20265.00%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $23.14
- Oct 4, 20265.25%▲ from 5.15%
- Sep 14, 20265.15%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $19.03
- Oct 4, 20265.35%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $30.17
- Oct 4, 20265.45%▲ from 5.35%
- Sep 14, 20265.35%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Fixed APR w/Billing; Payment per $1,000: $23.26
- Oct 12, 20265.50%▲ from 5.25%
- Oct 4, 20265.25%▲ from 5.15%
- Sep 14, 20265.15%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; Auto Loans - Cars, Trucks, and SUVs
New Auto - 2025-2027
- Oct 2, 20265.52%▲ from 5.27%
- Sep 15, 20265.27%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $23.28
- Oct 4, 20265.55%▲ from 5.40%
- Sep 14, 20265.40%first recorded
Fixed APR w/Billing; Payment per $1,000: $19.15
- Oct 12, 20265.60%▲ from 5.35%
- Oct 4, 20265.35%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $19.17
- Oct 4, 20265.65%▲ from 5.45%
- Sep 14, 20265.45%first recorded
Fixed APR w/Billing; Payment per $1,000: $30.29
- Oct 12, 20265.70%▲ from 5.45%
- Oct 4, 20265.45%▲ from 5.35%
- Sep 14, 20265.35%first recorded
New Auto - 2025-2027
- Oct 2, 20265.72%▲ from 5.47%
- Sep 15, 20265.47%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; Auto Loans - Cars, Trucks, and SUVs
Fixed APR w/Billing; Payment per $1,000: $23.39
- Oct 12, 20265.80%▲ from 5.55%
- Oct 4, 20265.55%▲ from 5.40%
- Sep 14, 20265.40%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $16.53
- Oct 4, 20265.90%▲ from 5.85%
- Sep 14, 20265.85%first recorded
Fixed APR w/Billing; Payment per $1,000: $19.29
- Oct 12, 20265.90%▲ from 5.65%
- Oct 4, 20265.65%▲ from 5.45%
- Sep 14, 20265.45%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $16.55
New Auto - 2025-2027
- Oct 2, 20265.97%▲ from 5.72%
- Sep 15, 20265.72%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 3
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 4
- Oct 12, 20266.00%▲ from 5.50%
- Oct 8, 20265.50%first recorded
Fixed APR w/Billing; Payment per $1,000: $16.64
- Oct 12, 20266.15%▲ from 5.90%
- Oct 4, 20265.90%▲ from 5.85%
- Sep 14, 20265.85%first recorded
Fixed APR w/Billing; Payment per $1,000: $16.67
- Oct 12, 20266.20%▲ from 5.95%
- Sep 14, 20265.95%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Vehicle year 2025 - 2026; Maximum Term in Years: 5
- Oct 12, 20266.25%▲ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
New Auto - 2025-2027
- Oct 2, 20266.47%▲ from 6.22%
- Sep 15, 20266.22%first recorded
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 6
- Oct 12, 20266.50%▲ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Fixed APR w/ Auto Payment; Payment per $1,000: $14.92
- Oct 4, 20266.65%▲ from 6.55%
- Sep 14, 20266.55%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $14.97
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Vehicle year 2025 - 2026; Maximum Term in Years: 7
- Oct 12, 20266.75%▲ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Fixed APR w/Billing; Payment per $1,000: $15.04
- Oct 12, 20266.90%▲ from 6.65%
- Oct 4, 20266.65%▲ from 6.55%
- Sep 14, 20266.55%first recorded
Fixed APR w/Billing; Payment per $1,000: $15.09
- Oct 12, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
As Low As; Business Vehicle Loans; APR* as low as; best rates based on approved credit; maximum relationship discount of 1.00%
Business Vehicle Loans; APR*
Business Vehicle Loans; APR*
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Business Vehicle Loans; APR*
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
Business Vehicle Loans; APR*
Business Vehicle Loans; APR*
20 - 21
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
GAP (Guaranteed Asset Protection) Insurance Available
Current Interest Rate Loan Special
As Low As; Auto & Recreational Loans
As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
As Low As; Financing: 100%; Subject to approval based on credit score
GAP (Guaranteed Asset Protection) Insurance Available
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Published APR range: 3.50% - 13.75%.
As Low As; Effective as of July 17, 2026
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Risk based scoring premium may apply by FICO score
- Oct 5, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Syracuse Used Auto Auto Loan Rates
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Used Auto - 2025-2027
- Oct 2, 20265.30%▲ from 5.05%
- Sep 15, 20265.05%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $30.17
- Oct 4, 20265.45%▲ from 5.35%
- Sep 14, 20265.35%first recorded
As Low As; Auto Loans - Used Cars and Trucks
As Low As; Auto Loans - Used Cars and Trucks
As Low As; Auto Loans - Used Cars and Trucks
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $23.28
- Oct 4, 20265.55%▲ from 5.40%
- Sep 14, 20265.40%first recorded
Used Auto - 2025-2027
- Oct 2, 20265.62%▲ from 5.37%
- Sep 15, 20265.37%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $19.17
- Oct 4, 20265.65%▲ from 5.45%
- Sep 14, 20265.45%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Auto Loans - Used Cars and Trucks
Fixed APR w/Billing; Payment per $1,000: $30.29
- Oct 12, 20265.70%▲ from 5.45%
- Oct 4, 20265.45%▲ from 5.35%
- Sep 14, 20265.35%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Fixed APR w/Billing; Payment per $1,000: $23.39
- Oct 12, 20265.80%▲ from 5.55%
- Oct 4, 20265.55%▲ from 5.40%
- Sep 14, 20265.40%first recorded
Used Auto - 2025-2027
- Oct 2, 20265.82%▲ from 5.57%
- Sep 15, 20265.57%first recorded
Fixed APR w/Billing; Payment per $1,000: $19.29
- Oct 12, 20265.90%▲ from 5.65%
- Oct 4, 20265.65%▲ from 5.45%
- Sep 14, 20265.45%first recorded
As Low As; Auto Loans - Used Cars and Trucks
Fixed APR w/ Auto Payment; Payment per $1,000: $16.55
Used Auto - 2025-2027
- Oct 2, 20266.07%▲ from 5.82%
- Sep 15, 20265.82%first recorded
Fixed APR w/Billing; Payment per $1,000: $16.67
- Oct 12, 20266.20%▲ from 5.95%
- Sep 14, 20265.95%first recorded
As Low As; Auto Loans - Used Cars and Trucks
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
APR* (standard)
- Oct 12, 20266.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
APR* (standard)
- Oct 12, 20266.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
Used Auto - 2025-2027
- Oct 2, 20266.57%▲ from 6.31%
- Sep 15, 20266.31%first recorded
Fixed APR w/ Auto Payment; Payment per $1,000: $14.97
APR* (standard)
- Oct 12, 20266.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Fixed APR w/Billing; Payment per $1,000: $15.09
- Oct 12, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; Standard APR: 8.750%; Business Vehicle Loans; Vehicle Year: 2020-2026; Maximum term printed as 4 (unit taken from Term in Years in the adjacent new-vehicle table); Best rates based on approved credit with maximum relationship discount of 1.00%
Rates assume payments will be automatically deducted from an NBT Bank checking or money market account. Add .50% to the rate if the automatic payment feature is not selected. To qualify for this rate, the minimum loan amount is $5,000, minimum credit score is 730, and maximum term is 48 months. Payment Examples: On a $15,000 loan, the payment would be $364.58 per month for 48 months with a 7.77% APR.
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Model Year: 2021-2026; APR determined by credit score and model year
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Syracuse, NY Auto Loan Rate Trends
Compare local Syracuse, NY auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New York new auto rates rose 0.808 points over the past 7 days to 5.984% APR.
New York used auto rates rose 0.742 points over the past 7 days to 6.738% APR.
Syracuse, NY Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current New York figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average New York APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.98% APR Nat'l average | Used Auto @ 6.74% APR Nat'l average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.88/mo | $295.17/mo | $5.29/mo |
| $25,000 | $483.13/mo | $491.95/mo | $8.82/mo |
| $35,000 | $676.38/mo | $688.73/mo | $12.35/mo |
| $45,000 | $869.64/mo | $885.51/mo | $15.87/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Syracuse, New York
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Syracuse, New York locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in New York. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Syracuse, New York high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Syracuse, New York CD rates lock in a guaranteed return until you’re ready to buy
Syracuse, New York Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $580 monthly car payment works out to roughly 22.7% of the median individual income in Syracuse, New York. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Syracuse, New York, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Syracuse, New York. We’ve prefilled the APR with today’s Nat'l new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Syracuse, New York auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Syracuse, New York directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Syracuse, New York. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NY.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Syracuse, New York
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Syracuse, New York
How does my credit score affect my car loan rate in New York?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Syracuse, New York?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Syracuse, New York?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Syracuse, New York?
- Money Federal Credit Union: 3.99% (Vehicle Loan)
- Broadview Federal Credit Union: 3.99% (Vehicle Loan)
- Syracuse Cooperative Federal Credit Union: 4.75% (New or Late Model Vehicles Auto Loan)
- The Summit Federal Credit Union: 4.95% (New Auto)
- Salt City Federal Credit Union: 4.99% (Traditional Vehicle Loan)
Syracuse, New York Rates & Resources
