Best Auto Loans 3-Year for New York, NY

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May 27, 2024

Average Rate: 7.17%

Advertiser Disclosure

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    CarPutty Auto FlexLine

    Updated 2024-05-27
    • Get approved in 2 minutes or less for credit lines up to $200,000.
    • Use Flexline™ to buy new or used vehicles, buyout leases or refinance loans.
    • Tap into your line to finance multiple vehicles with one easy payment.
    • Rates based on your financial profile and not the vehicle.
  • USAA FSB

    Updated 2024-03-07
    6.340 %
    $765
  • Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.
  • Pentagon

    2.140 % $1,435.19 Credit Union with nearby branch - View
  • Municipal

    2.290 % $1,438.47 Credit Union with nearby branch - View

    Disclosure: Rates may be higher based on applicant's credit worthiness. Rates and terms are subject to change without notice. Certain restrictions may apply. With approved credit and requires direct deposit or automatic payroll deduction as the method of repayment. Best rates available when using MCU Car Buying Service (.50% APR discount) and Auto-Pay (.50% APR discount) when direct deposit or automatic payroll deduction is utilized as the method of repayment. Discounts are reflected in the rates. The APR for auto loans will increase by .50% after consummation if automatic payroll deduction or direct deposit is cancelled. Rates may be higher based on applicant's creditworthiness, auto model year, loan term and method of repayment. Rates and terms are subject to change without notice. Certain restrictions may apply. MCU only finances vehicles purchased from a car dealer. MCU will only finance vehicles purchased from franchise car dealers or the following independent dealers; TRUECar® Certified Dealers, Enterprise Car Sales, Carvana®, CarMax® or Hertz Car Sales®. Franchise dealers sell new and used cars for auto manufacturers such as Ford®, General Motors®, Chrysler®, Honda® and others. Automobile financing is only available to MCU members residing in NY, NJ, CT or PA. For example, if you choose a 48 month auto loan for model year 2020-2016, your payments will consist of 48 monthly payments of $21.82 on each $1,000 borrowed at 2.29% APR. Late payment fee: $25.00. Membership is required.

  • Affinity

    2.490 % $1,442.85 Credit Union with nearby branch - View

    Disclosure: New and used auto loan rates in effect for loans applied for. Rates include 0.25% reduction for automatic payments made from your Affinity account. Loan decision, APR, terms of loan, year, make, model and loan to value of vehicle and/or amount borrowed are all subject to applicant credit worthiness. Must be a member in good standing and meet all lending requirements. Loan amounts of $9,999 or lower have a maximum term of 54 months, $10,000 to $14,999 have a maximum term of 71 months, $15,000 or higher have a maximum term of 96 months. Vehicles eligible for new auto loan rates are current or previous model year or newer, with fewer than 5,000 miles. Vehicles eligible for used auto loan or refinance rates are 9 years old or newer. Vehicles eligible for older model used auto loan or refinance rates are between 10 and 15 years old. Interest accrues from the date the loan is finalized. All loans are subject to credit review and approval.

  • Hudson Valley

    2.740 % $1,448.34 Credit Union with nearby branch - View
  • Visions

    2.750 % $1,448.56 Credit Union with nearby branch - View

    Disclosure: The payment on a $10,000 loan would be $177.50 by using the $17.75 per $1,000 at a non-variable interest rate of 2.75% APR with a 60 month term.

  • Navy Federal Credit Union

    2.990 % $1,453.84 Credit Union with nearby branch - View
  • Melrose

    2.990 % $1,453.84 Credit Union with nearby branch - View
  • State Employees Cu Of Maryland, Inc

    2.990 % $1,453.84 Credit Union with nearby branch - View
  • Virginia Credit Union, Inc.,

    2.990 % $1,453.84 Credit Union with nearby branch - View
  • Solvay Bank

    3.000 % $1,454.06 Bank with nearby branch - View
  • Teachers

    3.090 % $1,456.04 Credit Union with nearby branch - View

    Disclosure: Extended warranty purchase available Low payment "balloon" financing available - up to 60 months Free $300 coupon

  • Bethpage

    3.140 % $1,457.15 Credit Union with nearby branch - View
  • Eastman

    3.300 % $1,460.68 Credit Union with nearby branch - View
  • Adirondack Bank

    3.500 % $1,465.10 Bank with nearby branch - View
  • First National Bank Of Scotia

    3.590 % $1,467.10 Bank with nearby branch - View
  • Ballston Spa National Bank

    3.900 % $1,473.98 Bank with nearby branch - View
  • Rhinebeck Bank

    4.040 % $1,477.09 Bank with nearby branch - View

    Disclosure: The stated rate will be discounted by an additional .25% if the customer elects to have loan payments automatically deducted from a Rhinebeck Bank checking or savings account. The Lender may require Vendor's Single Interest Insurance for all automobile loans. The borrower may choose the person through whom Vendor's Single Interest Insurance is to be obtained. This insurance is for the sole protection of the Lender and the borrower's interest is not covered. If obtained through the Lender, the cost of such insurance is $70.00. This amount may affect your monthly payment and APR.

  • Westfield Bank

    4.166 % $1,479.89 Bank with nearby branch - View
  • Watertown Savings Bank

    4.250 % $1,481.77 Bank with nearby branch - View
  • Steuben Trust Company

    4.350 % $1,484.00 Bank with nearby branch - View
  • First Community

    4.490 % $1,487.12 Credit Union with nearby branch - View
  • Capital One, National Association

    4.760 % $1,493.16 Bank with nearby branch - View
  • The Bank Of Greene County

    4.990 % $1,498.32 Bank with nearby branch - View
  • Peoplesbank, A Codorus Valley Company

    5.240 % $1,503.94 Bank with nearby branch - View
  • State Employees'

    5.250 % $1,504.16 Credit Union with nearby branch - View

    Disclosure: Fixed-rate financing for new vehicles with terms up to 96 months. Finance up to 100% of the Manufacturer’s Suggested Retail Price (MSRP), plus an additional 10% to cover other purchase-related expenses such as tax, tags, extended warranties, etc. Vehicle financed must be prior, current or upcoming year model with 10,000 miles or less. APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Members must be 18 years of age or older to be eligible for lending services. Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia. Vehicle title held as collateral until the loan is repaid. Commercial vehicles or vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral.

  • Pnc Bank, National Association

    5.340 % $1,506.19 Bank with nearby branch - View

    Disclosure: Annual Percentage Rates: Annual Percentage Rate (APR) shown available to well-qualified applicants for auto loans in amounts of $7500.00 to $14999.00 with a repayment term of 12-48 months and secured by a 2014-2023 model year non-commercial vehicle with up to 100,000 miles (certain additional restrictions apply for vehicles with mileage from 80,000 to 100,000). The lowest rates are available to well-qualified applicants. Your actual APR may be higher than the lowest available rate and will be based upon multiple factors such as credit qualifications, loan amount, repayment term, model year, automated payment from a PNC checking account and number of days to first payment. APRs for a loan amount of $7500.00 to $14999.00 with a 12-48 month repayment term and secured by a 2014-2023 model year auto range from 5.34% to 16.64%. Other rates may be applicable for different loan amounts, repayment terms and model years. APRs include a 0.25% discount for automated payment from a PNC checking account. Automated payment must be set up at loan closing to qualify for the 0.25% discount. If automated payment is discontinued, you may no longer receive an automated payment discount and your rate will increase 0.25%. Loan Payment Example: The monthly payment per $1,000 borrowed at 5.34% APR for a term of 48 months would require 48 monthly payments of $23.18 based on 30 days to first payment. The monthly payment per $1,000 borrowed at 16.64% APR for a term of 12 months would require 12 monthly payments of $91.03 based on 30 days to first payment. Credit is subject to approval. Certain restrictions and conditions apply. Rates, terms and conditions are as of Tue Oct 04 16:44:49 EDT 2022 and subject to change at any time. Based on $7500.00 to $14999.00 for 12-48 months. Payments are estimated. Your actual payment may vary based on loan amount, APR and term.

  • Chemung Canal Trust Company

    5.500 % $1,509.80 Bank with nearby branch - View
  • Genesee Regional Bank

    5.500 % $1,509.80 Bank with nearby branch - View
  • United Nations

    5.500 % $1,509.80 Credit Union with nearby branch - View

    Disclosure: Rates for new cars may be discounted by 0.25% for every 5.00% down payment, up to a maximum discount of 1.00%. Term will determine actual APR.

  • Jovia Financial

    5.790 % $1,516.34 Credit Union with nearby branch - View
  • Evans Bank, National Association

    6.000 % $1,521.10 Bank with nearby branch - View

    Disclosure: 10% down payment (excluding sales tax) is required. Rates and terms are subject to change without notice. Interest rates assume credit history is in good standing. VSI Insurance is required on all auto/truck loans. $23.27 one time fee. Have your payment auto deducted from an Evans Bank checking account and your rate will be reduced by 0.25%.

  • Athol Savings Bank

    6.490 % $1,532.22 Bank with nearby branch - View
  • Esl

    6.690 % $1,536.78 Credit Union with nearby branch - View
  • Fall River Five Cents Savings Bank

    6.750 % $1,538.15 Bank with nearby branch - View

    Disclosure: Rates posted for automobile loans reflect a reduction of .25% by having the loan payment automatically deducted from a BankFive checking account. Relationship Checking account customers qualify for an additional .25% rate reduction for a total of .50% rate reduction. Subject to credit approval. Fees may apply.

  • Unity Bank

    7.500 % $1,555.31 Bank with nearby branch - View