Utica, New York Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Utica, New York auto loan rates range from 1.99% to 17.25% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Utica, New York include GPO Federal Credit UnionGPO Federal Credit Union301 Bleecker St, Utica, NY, 13501A+5.0 ★Texas Ratio: 1.66%Rate verified Nov 7, 2026 offering New Auto Loans (2023-2027) at 3.99%, Mohawk Valley Federal Credit UnionMohawk Valley Federal Credit Union207 Genesee St, Utica, NY, 13501A+5.0 ★Texas Ratio: 2.84%Rate verified Nov 7, 2026 offering New Auto Loan at 4.24%, Oneida County Credit UnionOneida County Credit Union800 Park Ave, Utica, NY, 13501A+5.0 ★Texas Ratio: 1.02%Rate verified Nov 9, 2026 offering New Automobile at 4.25%, First Source Federal Credit UnionFirst Source Federal Credit Union1634 Genesee St, Utica, NY, 13502 5428A5.0 ★Texas Ratio: 7.75%Rate verified Nov 7, 2026 offering Vehicles & Motorcycles Loan at 4.49%, Utica District Telephone Employees Federal Credit UnionUtica District Telephone Employees Federal Credit Union2812 GENESEE ST, UTICA, NY, 13502A+5.0 ★Texas Ratio: 0.99%Rate verified Nov 7, 2026 offering Vehicle Loan at 4.75%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Utica has 8 local institutions in our database, with auto loan rates as low as 3.99% APR from GPO Federal Credit Union at 301 Bleecker St, Utica, NY, 13501. 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 Utica, New York. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Utica, New York & Surrounding Area
Utica Auto Loan Rates
As Low As; Membership eligibility required
- Oct 5, 20263.99%▼ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Membership eligibility required
- Oct 5, 20263.99%▼ from 4.74%
- Sep 18, 20264.74%first recorded
Credit Grade: A+ (730+); Vehicle: 2 Years Old & Newer
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20264.49%▲ from 4.24%
- Oct 8, 20264.24%first recorded
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20264.49%▲ from 4.24%
- Oct 8, 20264.24%first recorded
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20264.49%▲ from 4.24%
- Oct 8, 20264.24%first recorded
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20264.49%▲ from 4.24%
- Oct 8, 20264.24%first recorded
Credit Grade: A+ (730+); Vehicle: 2 Years Old & Newer
Credit Grade: A+ (730+); Vehicle Age: 3 to 6 Years Old
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20264.74%▲ from 4.49%
- Oct 8, 20264.49%first recorded
Credit Grade: A (680-729); Vehicle: 2 Years Old & Newer
As Low As; Used Auto Loans (2019-2022)
- Oct 5, 20264.74%▼ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Grade: P
As Low As; Grade: P
As Low As; Grade: P
As Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
Credit Grade: A+ (730+); Vehicle: 2 Years Old & Newer
- Oct 5, 20264.99%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Credit Grade: A (680-729); Vehicle: 2 Years Old & Newer
- Oct 5, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Membership eligibility required
As Low As; Grade: P
As Low As; Grade: A
As Low As; Grade: A
As Low As; Grade: A
Grade: P; APR
Grade: P; APR
Grade: P; APR
As Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
As Low As; Model Year: 2020-2023
- Oct 28, 20265.24%▲ from 4.99%
- Oct 15, 20264.99%first recorded
As Low As; Model Year: 2020-2023
- Oct 28, 20265.24%▲ from 4.99%
- Oct 15, 20264.99%first recorded
As Low As; Model Year: 2020-2023
- Oct 28, 20265.24%▲ from 4.99%
- Oct 15, 20264.99%first recorded
As Low As; Model Year: 2020-2023
- Oct 28, 20265.24%▲ from 4.99%
- Oct 15, 20264.99%first recorded
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20265.24%▲ from 4.99%
- Oct 8, 20264.99%first recorded
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: A+ (730+); Vehicle Age: 3 to 6 Years Old
As Low As; Grade: P
As Low As; Grade: A
Grade: P; APR
Grade: A; APR
Grade: A; APR
Grade: A; APR
As Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
As Low As; Model Year: 2020-2023
- Oct 28, 20265.49%▲ from 5.24%
- Oct 15, 20265.24%first recorded
Credit Grade: A (680-729); Vehicle: 2 Years Old & Newer
Credit Grade: A (680-729); Vehicle Age: 3 to 6 Years Old
As Low As; Grade: P
As Low As; Grade: A
Grade: P; APR
Grade: A; APR
As Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20265.74%▲ from 5.49%
- Oct 8, 20265.49%first recorded
Credit Grade: A+ (730+); Vehicle Age: 3 to 6 Years Old
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: A (680-729); Vehicle Age: 3 to 6 Years Old
As Low As; 2025-2027 models only; Membership eligibility required
As Low As; Grade: A
Grade: A; APR
Credit Grade: A+ (730+); Vehicle: 2 Years Old & Newer
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
As Low As; Recreational use vehicle loan
As Low As; Recreational use vehicle loan
As Low As; Recreational use vehicle loan
As Low As; Model Year: 2020-2023
- Oct 28, 20265.99%▲ from 5.74%
- Oct 15, 20265.74%first recorded
As Low As; Used Auto Loans (2019-2022)
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
As Low As; Grade: B
As Low As; Grade: B
As Low As; Grade: B
As Low As; Effective Date: July 31, 2026; New = current or next model year, or prior year untitled and unregistered with no miles (through March 2026); Some restrictions apply; To receive advertised rate, member must disclose intention to purchase electric vehicle at time of loan application; Rates include 0.50% APR discount
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
Credit Grade: A+ (730+); Vehicle Age: 3 to 6 Years Old
Credit Grade: A (680-729); Vehicle Age: 3 to 6 Years Old
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
As Low As; Recreational use vehicle loan
As Low As; Grade: B
Grade: B; APR
Grade: B; APR
Grade: B; APR
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026; Member must disclose intention to purchase electric vehicle at time of loan application
As Low As; Model Year: 2020-2023
- Oct 28, 20266.49%▲ from 6.24%
- Oct 15, 20266.24%first recorded
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Maximum term (months)
Maximum term (months)
As Low As; Recreational use vehicle loan
As Low As; Grade: B
Grade: B; APR
As Low As; Recreational use vehicle loan
As Low As; Recreational use vehicle loan
Credit Grade: A (680-729); Vehicle Age: 3 to 6 Years Old
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Maximum term (months)
As Low As; Grade: B
Grade: B; APR
Credit Grade: A (680-729); Vehicle: 2 Years Old & Newer
As Low As; Used = 2020 & newer, or previously titled and registered; Effective Date: July 31, 2026
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Maximum term (months)
Credit Grade: B (640-679); Vehicle: 2 Years Old & Newer
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20267.24%▲ from 6.99%
- Oct 8, 20266.99%first recorded
Credit Grade: B (640-679); Vehicle: 2 Years Old & Newer
Credit Grade / Score: A+ (730+)
Credit Grade / Score: A+ (730+)
As Low As; Model Year: 2019 & Older Excluding Classics
- Oct 28, 20267.74%▲ from 7.49%
- Oct 12, 20267.49%first recorded
As Low As; Model Year: 2019 & Older Excluding Classics
- Oct 28, 20267.74%▲ from 7.49%
- Oct 12, 20267.49%first recorded
As Low As; Model Year: 2019 & Older Excluding Classics
- Oct 28, 20267.74%▲ from 7.49%
- Oct 12, 20267.49%first recorded
As Low As; Model Year: 2019 & Older Excluding Classics
- Oct 28, 20267.74%▲ from 7.49%
- Oct 12, 20267.49%first recorded
Credit Grade: B (640-679); Vehicle: 2 Years Old & Newer
Credit Grade / Score: A (680-729)
As Low As; Model Year: 2019 & Older Excluding Classics
- Oct 28, 20267.99%▲ from 7.74%
- Oct 12, 20267.74%first recorded
As Low As; Grade: C
As Low As; Grade: C
As Low As; Grade: C
Credit Grade: B (640-679); Vehicle Age: 3 to 6 Years Old
As Low As; Model Year: 2024-2027 Including Classics
- Oct 28, 20268.24%▲ from 7.99%
- Oct 8, 20267.99%first recorded
As Low As; Grade: C
Credit Grade / Score: A (680-729)
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: B (640-679); Vehicle Age: 3 to 6 Years Old
As Low As; Model Year: 2019 & Older Excluding Classics
- Oct 28, 20268.49%▲ from 8.24%
- Oct 12, 20268.24%first recorded
As Low As; Grade: C
Grade: C; APR
Grade: C; APR
Grade: C; APR
As Low As; Grade: C
Grade: C; APR
Credit Grade / Score: B (640-679)
Credit Grade: B (640-679); Vehicle Age: 3 to 6 Years Old
Grade: C; APR
Credit Grade: B (640-679); Vehicle: 2 Years Old & Newer
Credit Grade: C (600-639); Vehicle: 2 Years Old & Newer
Credit Grade / Score: B (640-679)
Credit Grade: B (640-679); Vehicle Age: 3 to 6 Years Old
Credit Grade: C (600-639); Vehicle: 2 Years Old & Newer
As Low As; Grade: D
As Low As; Grade: D
As Low As; Grade: D
Credit Grade: C (600-639); Vehicle: 2 Years Old & Newer
Credit Grade: C (600-639); Vehicle Age: 3 to 6 Years Old
As Low As; Grade: D
Grade: D; APR
Grade: D; APR
Grade: D; APR
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: C (600-639); Vehicle Age: 3 to 6 Years Old
As Low As; Grade: D
Grade: D; APR
Credit Grade / Score: C (600-639)
Credit Grade: C (600-639); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: C (600-639)
As Low As; Grade: D
Grade: D; APR
Credit Grade: D (550-599); Vehicle: 2 Years Old & Newer
Credit Grade: D (550-599); Vehicle: 2 Years Old & Newer
As Low As; Grade: E
As Low As; Grade: E
As Low As; Grade: E
Credit Grade: D (550-599); Vehicle Age: 3 to 6 Years Old
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: D (550-599); Vehicle Age: 3 to 6 Years Old
As Low As; Grade: E
Grade: E; APR
Grade: E; APR
Grade: E; APR
Credit Grade / Score: D (550-599)
As Low As; Grade: E
Grade: E; APR
Credit Grade / Score: D (550-599)
As Low As; Grade: E
Grade: E; APR
Credit Grade: E (<549); Vehicle: 2 Years Old & Newer
Credit Grade: E (<549); Vehicle Age: 3 to 6 Years Old
Credit Grade: E (<549); Vehicle: 2 Years Old & Newer
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: E (<549); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: E (<549)
Credit Grade / Score: E (<549)
As Low As; Models 2025-2027; Rates effective 09/01/2026
Model Year: 20 - 21
As Low As; Model Year: 2026 and newer; Rate determined by credit score and model year of the vehicle
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
GAP (Guaranteed Asset Protection) Insurance Available
As Low As; Model Year: 2025 or Newer
As Low As; Model Year: 2021-2026; Rate determined by credit score and model year of the vehicle
Utica New Auto Auto Loan Rates
As Low As; Membership eligibility required
- Oct 5, 20263.99%▼ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Membership eligibility required
- Oct 5, 20263.99%▼ from 4.74%
- Sep 18, 20264.74%first recorded
Credit Grade: A+ (730+); Vehicle: 2 Years Old & Newer
Credit Grade: A+ (730+); Vehicle: 2 Years Old & Newer
Credit Grade: A (680-729); Vehicle: 2 Years Old & Newer
Credit Grade: A+ (730+); Vehicle: 2 Years Old & Newer
- Oct 5, 20264.99%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Credit Grade: A (680-729); Vehicle: 2 Years Old & Newer
- Oct 5, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Membership eligibility required
Credit Grade: A (680-729); Vehicle: 2 Years Old & Newer
As Low As; 2025-2027 models only; Membership eligibility required
Credit Grade: A+ (730+); Vehicle: 2 Years Old & Newer
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Credit Grade: A (680-729); Vehicle: 2 Years Old & Newer
Maximum term; Effective Date 10/14/26; Receive a 0.125% consumer loan rate discount by setting up automatic payments from an existing or newly opened Adirondack Bank checking/savings account
Credit Grade: B (640-679); Vehicle: 2 Years Old & Newer
Credit Grade: B (640-679); Vehicle: 2 Years Old & Newer
Credit Grade: B (640-679); Vehicle: 2 Years Old & Newer
Credit Grade: B (640-679); Vehicle: 2 Years Old & Newer
Credit Grade: C (600-639); Vehicle: 2 Years Old & Newer
Credit Grade: C (600-639); Vehicle: 2 Years Old & Newer
Credit Grade: C (600-639); Vehicle: 2 Years Old & Newer
Credit Grade: D (550-599); Vehicle: 2 Years Old & Newer
Credit Grade: D (550-599); Vehicle: 2 Years Old & Newer
Credit Grade: E (<549); Vehicle: 2 Years Old & Newer
Credit Grade: E (<549); Vehicle: 2 Years Old & Newer
Model Year: 20 - 21
As Low As; Model Year: 2026 and newer; Rate determined by credit score and model year of the vehicle
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment
GAP (Guaranteed Asset Protection) Insurance Available
Utica Used Auto Auto Loan Rates
Credit Grade: A+ (730+); Vehicle Age: 3 to 6 Years Old
As Low As; Used Auto Loans (2019-2022)
- Oct 5, 20264.74%▼ from 5.24%
- Sep 14, 20265.24%first recorded
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: A+ (730+); Vehicle Age: 3 to 6 Years Old
Credit Grade: A (680-729); Vehicle Age: 3 to 6 Years Old
Credit Grade: A+ (730+); Vehicle Age: 3 to 6 Years Old
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: A (680-729); Vehicle Age: 3 to 6 Years Old
As Low As; Used Auto Loans (2019-2022)
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Credit Grade: A+ (730+); Vehicle Age: 3 to 6 Years Old
Credit Grade: A (680-729); Vehicle Age: 3 to 6 Years Old
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Required down payment:; Minimum amount: $2,500; Vehicles include: Car, Motor Home, Motorcycle, Snowmobile, Boat; Reduce 1/4% if charged to a Bank of Utica checking account; Effective October 19, 2026
Maximum term (months)
Maximum term (months)
Credit Grade: A (680-729); Vehicle Age: 3 to 6 Years Old
Maximum term (months)
Maximum term (months)
Credit Grade / Score: A+ (730+)
Credit Grade / Score: A+ (730+)
Credit Grade / Score: A (680-729)
Credit Grade: B (640-679); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: A (680-729)
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: B (640-679); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: B (640-679)
Credit Grade: B (640-679); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: B (640-679)
Credit Grade: B (640-679); Vehicle Age: 3 to 6 Years Old
Credit Grade: C (600-639); Vehicle Age: 3 to 6 Years Old
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: C (600-639); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: C (600-639)
Credit Grade: C (600-639); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: C (600-639)
Credit Grade: D (550-599); Vehicle Age: 3 to 6 Years Old
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: D (550-599); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: D (550-599)
Credit Grade / Score: D (550-599)
Credit Grade: E (<549); Vehicle Age: 3 to 6 Years Old
Term: 49-66 Months (or 49-60 for D/E); Credit Grade: E (<549); Vehicle Age: 3 to 6 Years Old
Credit Grade / Score: E (<549)
Credit Grade / Score: E (<549)
As Low As; Model Year: 2021-2026; Rate determined by credit score and model year of the vehicle
Utica, NY Auto Loan Rate Trends
Compare local Utica, 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 0.012 points over the past 7 days to 5.422% APR.
New York used auto rates rose 0.015 points over the past 7 days to 6.122% APR.
Utica, 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 @ 5.42% APR NY average | Used Auto @ 6.12% APR NY average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.98/mo | $290.84/mo | $4.87/mo |
| $25,000 | $476.63/mo | $484.74/mo | $8.11/mo |
| $35,000 | $667.28/mo | $678.64/mo | $11.36/mo |
| $45,000 | $857.93/mo | $872.53/mo | $14.60/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 Utica, New York
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Utica, 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 Utica, 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: Utica, New York CD rates lock in a guaranteed return until you’re ready to buy
Utica, New York Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 20.5% of the median individual income in Utica, 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 Utica, 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 Utica, New York. We’ve prefilled the APR with today’s NY new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Utica, 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 Utica, 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 Utica, 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 Utica, 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 Utica, New York
What are auto loan rates in Utica, New York today?
How does my credit score affect my car loan rate in Utica, 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 Utica, 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 Utica, New York?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Utica, New York?
- GPO Federal Credit Union: 3.99% (New Auto Loans (2023-2027))
- Mohawk Valley Federal Credit Union: 4.24% (New Auto Loan)
- Oneida County Credit Union: 4.25% (New Automobile)
- First Source Federal Credit Union: 4.49% (Vehicles & Motorcycles Loan)
- Utica District Telephone Employees Federal Credit Union: 4.75% (Vehicle Loan)
Utica, New York Rates & Resources
