Best Refinance Auto Loans 5-Year for New York, NY

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Advertiser Disclosure

  • USAA FSB

    Updated 2024-03-07
    6.890 %
    $494
  • 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.
  • Municipal

    2.290 % $882.75 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.

  • Hudson Valley

    2.740 % $892.67 Credit Union with nearby branch - View

    Disclosure: Rates for this product are as low as stated. Rate is based on an evaluation of applicant credit. Rate is also based on the selected term, vehicle model year, mileage, and loan to value for vehicle loans. Total amount financed, term, and use of either MSRP or Factory Invoice for new vehicle values is based on an evaluation of applicant credit. Values are determined from either MSRP or Factory Invoice for new vehicles and NADA book value for used vehicles. Your rate and total amount financed may vary from the stated rate and maximum financing. The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. The discounted rate only applies to new loans and newly refinanced loans from another lender.

  • Visions

    2.750 % $892.89 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.

  • Pentagon

    2.890 % $895.99 Credit Union with nearby branch - View
  • Apco Employees

    2.900 % $896.21 Credit Union with nearby branch - View
  • Melrose

    2.990 % $898.21 Credit Union with nearby branch - View
  • Atlanta Postal

    2.990 % $898.21 Credit Union with nearby branch - View
  • Teachers

    3.090 % $900.44 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 % $901.55 Credit Union with nearby branch - View
  • State Employees Cu Of Maryland, Inc

    3.240 % $903.78 Credit Union with nearby branch - View
  • Solvay Bank

    3.250 % $904.00 Bank with nearby branch - View
  • Eastman

    3.300 % $905.12 Credit Union with nearby branch - View
  • Affinity

    3.360 % $906.46 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.

  • Jpmorgan Chase Bank, National Association

    3.490 % $909.36 Bank with nearby branch - View
  • Virginia Credit Union, Inc.,

    3.490 % $909.36 Credit Union with nearby branch - View
  • First National Bank Of Scotia

    3.590 % $911.60 Bank with nearby branch - View
  • Citizens Equity First

    3.640 % $912.73 Credit Union with nearby branch - View

    Disclosure: The rates, terms, and up to 100% financing on vehicle loans are available to well-qualified borrowers. Terms are also subject to limitation based on vehicle model year.

  • Navy Federal Credit Union

    3.690 % $913.85 Credit Union with nearby branch - View
  • Trustco Bank

    3.990 % $920.60 Bank with nearby branch - View
  • Westfield Bank

    4.102 % $923.13 Bank with nearby branch - View
  • Ballston Spa National Bank

    4.200 % $925.35 Bank with nearby branch - View
  • Watertown Savings Bank

    4.250 % $926.48 Bank with nearby branch - View
  • Steuben Trust Company

    4.350 % $928.74 Bank with nearby branch - View
  • Adirondack Bank

    4.500 % $932.15 Bank with nearby branch - View
  • Bank Of Utica

    5.000 % $943.56 Bank with nearby branch - View

    Disclosure: Reduce ¼% if charged to a Bank of Utica checking account.

  • Capital One, National Association

    5.120 % $946.31 Bank with nearby branch - View
  • Peoplesbank, A Codorus Valley Company

    5.240 % $949.07 Bank with nearby branch - View
  • The Bank Of Greene County

    5.240 % $949.07 Bank with nearby branch - View
  • The Adirondack Trust Company

    5.490 % $954.83 Bank with nearby branch - View

    Disclosure: If you borrow $10,000 to purchase a vehicle, for sixty (60) months at 5.49% APR, the monthly principal and interest payment would be $190.97. Secured Loans are charged a fee of $50 for Vendor's Single Insurance (V.S.I.)

  • Pnc Bank, National Association

    5.490 % $954.83 Bank with nearby branch - View

    Disclosure: PNC Home PERSONAL PRODUCTS & SERVICES LEARNING SUPPORT OFFERS SMALL BUSINESS CORPORATE & INSTITUTIONAL ABOUT Español Customer Service Locations Security SEARCH SIGN ON Buying From an Eligible Dealer PNC Check Ready Auto Loans Secure your financing before you head to an eligible dealer so you can shop with confidence. Apply online and get a decision in minutes. [1, 2] Apply Now Resume Saved Application » Have questions? 1-888-370-7344 Check Current Auto Loan Rates* Buying From a Dealer $7,500 - $14,999 90001 Please call for rates for loan amounts greater than $50,000 Hide Details Pay Off SoonerMost PopularLower PaymentsModel Year12 to 48 Months APR as low as49 to 60 Months APR as low as61 to 72 Months APR as low as2021-20235.34% - 6.04%5.49% - 6.19%5.59% - 6.29%20205.54% - 6.24%5.54% - 6.24%5.84% - 6.54%20195.54% - 6.24%5.54% - 6.24%5.84% - 6.54%20185.54% - 6.24%5.54% - 6.24%5.84% - 6.54%20176.14% - 6.84%6.14% - 6.84%N/A2014-20166.64% - 7.34%6.99% - 7.69%N/A*Important Disclosures*Important Disclosures*Important Disclosures Key Features Conveniently Apply Apply online, by phone or at a branch. Once approved, take your PNC Check Ready check to any eligible dealer[1,2]. Get 0.25% Off Your Rate Includes a 0.25% interest rate reduction for setting up and maintaining automated payments from a PNC checking account.[3] Negotiate Your Best Deal Write the Check Ready check up to the approved loan amount[1, 2]. How It Works Get in your new car faster with Check Ready financing. Step 1 - Find Your Car Search new or used cars, see what others paid for the same car in your area, and explore how much you may save with PNC Total Auto®**. Step 2 - Apply Apply for your Check Ready auto loan[1] online, by phone or at a branch. Step 3 - Get a Decision Fast In most cases you'll get a decision in minutes. If approved, you can have your check sent overnight to your home.[2, 4] Step 4 - Shop with Confidence Negotiate your best deal and hit the road faster with Check Ready. Use your Check Ready check at an eligible dealer up to 30 days after your loan approval.[2] View Important Disclosures» Start Your Car Search with PNC Total Auto Find a car in your area and price range: New Cars** Used Cars** **PNC Bank's website terms, privacy and security policies don’t apply to the site you're about to visit. Please review TrueCar's website terms, privacy and security policies to see how they apply to you. PNC Total Auto® is provided by TrueCar. Dealer inventory presented to you may contain vehicles that are not eligible to be financed by PNC Bank, such as commercial vehicles or older model year vehicles. Other restrictions on eligible vehicles may apply. How to Apply for a Check Ready Loan Reminder: You can only use your check at a U.S. eligible dealer. What You Need to Apply The essentials: The dollar amount that you would like to borrow One form of photo ID (driver's license, state-issued ID or U.S. passport) Previous address, if at current address less than two years Previous employer, if with current employer less than two years Your annual income and any other income to be considered If you are applying with a co-applicant, you will need their: Current address and previous, if less than two years Current employer and previous, if less than two years Annual income and any other income to be considered Reminder: You will be responsible for transferring the vehicle’s title to your name and placing PNC’s lien on the title. Click here for more information For Loans Over $50,000: You can still apply for an auto loan, but you will not get a "blank" check to shop for a vehicle. Instead, you will get a loan check for a specific loan amount, to be used for purchasing a specific vehicle. Apply for a traditional auto loan» Check Ready Details Minimum Loan Amount $7,500 Maximum Loan Amount $50,000 Valid Model Years 2014-2023 Terms Available Various repayment terms available Rate Fixed Prepayment No prepayment penalty Payment Frequency Monthly Eligible Dealers Any U.S. franchise dealership Tools & Calculators Calculate how much a vehicle payment might be. Calculator: How much will my vehicle payments be? Applying for an Auto Loan Find out what's involved in the car buying process. Ways to Apply Online: Apply Now Resume Saved Application » By Phone: 1-888-370-7344 Mon - Fri: 7am to 10pm ET Sat - Sun: 8am - 5pm ET At a Branch: Find a Branch Near You Servicemembers Civil Relief Act (SCRA) Eligible Dealers Checks may be used only at eligible dealers that are licensed in the United States to sell new vehicles manufactured by an automotive company (for example, Kia, Ford, and BMW). Checks may be used to purchase new or used vehicles from such dealers. Before visiting a dealer and applying for a PNC auto loan, follow either of these steps to confirm the dealer is a franchise dealer: Call the dealer and ask if they are licensed in the United States to sell new vehicles manufactured by an automotive company OR Visit the official manufacturer website (for example, Ford, Kia, and BMW) and attempt to locate dealer Look for a menu option to “Find a Dealer” Enter the zip code of the dealer in question into the locator tool If the dealership is listed, they are a franchise List of Auto Manufacturers (External)Acura (External)GMC (External)Mercedes-Benz (External)Alfa Romeo (External)Honda (External)Mini (External)Aston Martin (External)Hyundai (External)Mitsubishi (External)Audi (External)Infiniti (External)Nissan (External)Bentley (External)Jaguar (External)Porsche (External)BMW (External)Jeep (External)Ram (External)Buick (External)Kia (External)Rolls-Royce (External)Cadillac (External)Lamborghini (External)Subaru (External)Chevrolet (External)Land Rover (External)Tesla (External)Chrysler (External)Lexus (External)Toyota (External)Dodge (External)Lincoln (External)Volkswagen (External)Ferrari (External)Lotus (External)Volvo (External)Fiat (External)Maserati (External)Ford (External)Mazda Genesis McLaren Want to find a car first? Search vehicle with PNC Total Auto Find a car in your area and price range: New Cars** Used Cars** **PNC Bank's website terms, privacy and security policies don’t apply to the site you're about to visit. Please review TrueCar's website terms, privacy and security policies to see how they apply to you. PNC Total Auto® is provided by TrueCar. Learn More Lease Buyout Explained: Should You Buy Your Leased Car? When the end of an auto lease period comes up, it's not always a given that you need to trade your wheels in for something new. While there are advantages to trading in your car, there may be benefits to buying your leased car. 4 min read First Time Car Buyer's Guide: What to Know Before You Buy Buying your first car can be intimidating. Our guide can help you understand what financing options are available and how apply for a loan. 9 min read How to Refinance a Car Loan If you are one of the millions of Americans with an auto loan, you may have considered refinancing your car loan. In this article, you will discover what refinancing entails, situations that may drive you to do so, and how you may benefit from refinancing. 7 min read Paying Off Your Car Loan Early: Things to Consider Thinking of paying off your car loan? While there’s the benefit of reducing your debt, take time to assess your personal financial position before making a decision. In this article, we highlight some of the important considerations to keep in mind. 3 min read When is the Best Time to Buy a Car in 2022? Timing can be an important factor in the car buying process. Learn when the best time to buy a car is and how timing can impact your decision making. 4 min read Should I Buy a New or Used Car? There are many important factors to consider when deciding whether to buy a new or used car. Read more about the pros and cons of each car buying option. 4 min read View More Insights Related Resources SOLUTION PNC Checking Makes your financial life simpler! Find out which checking account is best suited for your lifestyle and banking needs. Learn More » AUTO LOAN Make an Auto Loan Payment PNC offers a variety of different ways for you to make your Auto loan payments. Click here to explore your payment options and FAQs. Learn More » FINANCIAL EDUCATION Credit Score Myths & Facts Having a good credit score can help you get the best rates when you borrow money. Make sure you know what can impact your number. Learn about credit score myths and facts by watching this video. Watch Video » Important Legal Disclosures & Information Credit is subject to approval. Certain restrictions and conditions apply. Automated payment must be set up at loan closing from a PNC checking account to qualify for the 0.25% discount. If automated payment is discontinued at any time, you may no longer receive an automated payment discount and your rate will increase 0.25% May exclude weekends and holidays *Check Auto Loan Rates: APRs that will display include a 0.25% discount for automated payment from a PNC checking account. The lowest rates are available to well-qualified applicants. Your actual APR will be based upon multiple factors. Refer to “Important Disclosures" under “Get Rates” for more details. PNC Total Auto is a registered mark of The PNC Financial Services Group, Inc. Bank deposit products and services provided by PNC Bank, National Association. Member FDIC Read a summary of privacy rights for California residents which outlines the types of information we collect, and how and why we use that information. PERSONAL SMALL BUSINESS CORPORATE & INSTITUTIONAL SUPPORT Accessible Banking Customer Service @PNCBank_Help Feedback ON THE GO Locate ATM/Branch Mobile Apps Directory ABOUT Careers Diversity & Inclusion Corporate Responsibility SecurityTerms & ConditionsPrivacy Policy ©2022 The PNC Financial Services Group, Inc. All rights reserved. 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 49-60 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 49-60 month repayment term and secured by a 2014-2023 model year auto range from 5.49% to 16.99%. 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 5.49% APR for a term of 60 months would require 60 monthly payments of $19.10 based on 30 days to first payment. The monthly payment per $1,000 borrowed at 16.99% APR for a term of 49 months would require 49 monthly payments of $28.44 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 49-60 months. Payments are estimated. Your actual payment may vary based on loan amount, APR and term.

  • First Community

    5.490 % $954.83 Credit Union with nearby branch - View
  • United Nations

    5.500 % $955.06 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.

  • Chemung Canal Trust Company

    5.750 % $960.84 Bank with nearby branch - View
  • State Employees'

    5.750 % $960.84 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.

  • Bank Of America, National Association

    5.790 % $961.77 Bank with nearby branch - View

    Disclosure: Advertised as low as APRs (Annual Percentage Rate) assume excellent borrower credit history. Your actual APR may differ based on your credit history, approved loan amount, term, state of residence and applicable discounts, such as Preferred Rewards. These discounts will be reflected in your individual APR quote if you are approved for a loan. No loan documentation fee, but title and state fees may apply. New car (dealer): Example: A 5-year, fixed-rate new car loan for $37,000 would have 60 monthly payments of $712 each, at an annual percentage rate (APR) of 5.79%.

  • Jovia Financial

    5.790 % $961.77 Credit Union with nearby branch - View
  • Lcnb National Bank

    5.910 % $964.55 Bank with nearby branch - View

    Disclosure: Annual Percentage Rate (APR) is based on a $10,000 loan with a $140 loan fee. Loans subject to terms & credit approval. Loan to Value (LTV) restrictions may apply. Rates are subject to change without notice. A 1/4% rate reduction is available with automatic deduction from an LCNB account as documented on a Preferred Rate Addendum. Loan applications are generally limited to residents of LCNB National Bank’s primary service area consisting of select counties within Ohio, Indiana and Kentucky.

  • Genesee Regional Bank

    6.000 % $966.64 Bank with nearby branch - View
  • Harborone Bank

    6.140 % $969.90 Bank with nearby branch - View
  • Evans Bank, National Association

    6.500 % $978.31 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%.

  • Esl

    6.690 % $982.76 Credit Union with nearby branch - View

    Disclosure: Rates subject to credit evaluation. Actual rates may vary. Lien placed on vehicle. *A $15,000 minimum for terms over 66 months.

  • Athol Savings Bank

    6.740 % $983.94 Bank with nearby branch - View
  • U.s. Bank National Association

    6.960 % $989.12 Bank with nearby branch - View

    Disclosure: "As low as" annual percentage rates (APR) are available for auto loans with a term of 60 months or less, loan amount of $35,000 or more, loan-to-value (LTV) percentage of 111% to 115.99%, and an applicant with a credit score of 800 or higher. Loan payment and APR will vary based on the term, loan amount, vehicle age, LTV percentage, credit history and applicable fees. Dealer purchase loan payment example: for a $35,000 automobile loan on a 1-year-old or newer vehicle over a 60-month term with a 111% loan-to-value (LTV) percentage, monthly payments would be $692.38 at an annual percentage rate (APR) of 6.96%. (Fees charged in OH, IN and WV will increase the APR displayed above.)

  • Fall River Five Cents Savings Bank

    7.250 % $995.97 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 % $1,001.90 Bank with nearby branch - View

    Disclosure: Minimum loan amount of $10,000 and must pay 10% down payment from purchase price (excluding taxes, registration etc.).