Vehicle Loans in Utica, NY

Ready to find the best car loan rates in Utica, NY? Compare offers from local lenders who understand your needs and deliver quick, friendly service. Whether you’re buying new or used, getting a great rate is easier than ever.

Utica drivers can save money and support our community by choosing flexible loan options tailored just for you. Start comparing today and drive away with confidence knowing you’ve found the right loan at the right price.

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Filters

Lender
APR
Term
Link
Info
affinityfcu
4.94 - 6.62 %
3 - 8 Yrs
summitfcu
4.95 - 6.55 %
3 - 7 Yrs
dcu
4.99 - 10.74 %
3 - 10 Yrs
centra
4.99 - 14.09 %
4.5 - 7 Yrs
nymcu
4.99 - 6.75 %
3.1 - 7 Yrs
firsttechfed
4.99 - 6.99 %
5.4 - 7 Yrs
heritagefcu
4.99 %
americafirst
4.99 - 7.74 %
5 - 8 Yrs
mycfcu
5 - 5.75 %
unfcu
5 %
0.5 - 6 Yrs

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-SEP-14

Credit Union Loan Rates - Trends & Analysis:

Affinity's auto loans with APRs ranging from 4.94% to 7.55% . These rates have stayed the same compared to 7, 30, and 60 days ago, but they are slightly lower than 90 days ago. The Summit's auto loans with APRs ranging from 4.95% to 6.75% , which have stayed the same over the past 7, 30, and 60 days but are slightly up from 90 days ago. Recreational loan rates range from 6.35% to 7.15% and have not changed in the last 7, 30, or 60 days. Digital has vehicle loan rates ranging from 4.99% to 10.74% for auto loans and 6.25% to 11.35% for motorcycle loans. These rates have shown no change compared to 7 and 30 days ago. Recreational loan rates also remain steady, ranging from 8.99% to 11.35% .

Centra's auto loans range from 4.99% to 16.79% , with no change from 7 or 30 days ago. Other loans show rates from 6.75% to 19.25% , also unchanged over the past 7 and 30 days. Both loan types have seen a decrease compared to 90 days ago. Municipal's auto loans with an APR range of 4.99% to 7% . Unchanged compared to 7 and 30 days ago. The credit union's auto loan rates have remained steady over the past three months. First Technology's auto loans with APRs ranging from 4.99% to 6.99% , which are unchanged from 7 and 30 days ago but down from 30 days ago. Motorcycle loans have rates between 6.74% and 7.24% , showing no change over the past 90 days. Recreational loans range from 7.29% to 8.54% , also with no change in recent months.

Heritage Financial's auto loan rates range from 4.99% to 7.32% APR today, with no change from 7 days ago but up from 30 days ago. Motorcycle loans are at 7.49% APR with no change in the past 30 days. Recreational loan rates range from 6.5% to 7% APR and have stayed the same over the last 60 days. America First's auto loans with APRs ranging from 4.99% to 7.74% , showing no change from 7 or 30 days ago. Recreational vehicle loans have rates between 7.49% and 7.89% , which are also steady compared to the past month.

Cfcu Community's auto loans with APRs ranging from 5% to 8% today. These rates are unchanged from 7 and 30 days ago but have decreased from the 30, 60, and 90–day periods when the top rate was 8.75% . United Nations has an auto loan with an APR of 5% . This rate has not changed in the past 7, 30, 60, or 90 days.

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Why compare Vehicle Loans in Utica, NY on LendMesh

If you’re searching for the best rate on a car loan in Utica, NY, it pays to keep comparing lenders on LendMesh. With access to multiple trusted banks and credit unions, you can explore a variety of options to find deals that fit your budget. Taking a little extra time to compare could lead to cheaper rates and better terms, helping you save more on your next vehicle purchase.

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