Vehicle Loans in Utica, NY

Looking for low car payments in Utica, NY? Compare offers from local lenders who understand your needs and deliver fast approvals, so you can drive away with confidence without breaking the bank.

Whether you’re buying new, used, or refinancing, Utica’s trusted credit unions and banks offer competitive rates tailored to our community. Start comparing today and find a vehicle loan that fits your budget and lifestyle.

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Lender
APR
Term
Link
Info
sfcuonline
5.19 %
5 Yrs
∞
affinityfcu
5.2 - 7.55 %
3 - 7 Yrs
∞
nymcu
5.24 - 7 %
3.1 - 7 Yrs
∞
usalliance
5.24 - 6.99 %
3.1 - 7 Yrs
∞
jovia
5.28 - 7.07 %
1 - 8 Yrs
∞
centra
5.29 - 16.79 %
3.5 - 6.5 Yrs
∞
hvcu
5.34 - 7.59 %
∞
summitfcu
5.35 - 6.75 %
3 - 7 Yrs
∞
heritagefcu
5.44 - 7.32 %
∞
corningcu
5.49 - 17.74 %
∞

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

Credit Union Loan Rates - Trends & Analysis:

Sidney's auto loan rate is 5.19% APR today, which is up from 7 and 30 days ago. The motorcycle loan rate is 6.19% APR today, showing no change from 7 days ago but up from 30 days ago. 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. 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.

Usalliance's auto loan rates range from 5.24% to 6.99% APR today. These rates have shown no change compared to 7 and 30 days ago. Jovia Financial's auto loan rates range from 5.28% to 7.07% APR today. These rates show no change compared to 60 and 90 days ago. 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.

Hudson Valley's auto loan rates range from 5.34% to 7.59% APR today, with no change from 7 or 30 days ago. Rates are up compared to 60 and 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. 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.

Corning's auto loan rates range from 5.49% to 17.74% APR today, with no change from 7 or 30 days ago. Motorcycle loans are at 6.74% APR, up from 6.49% thirty days ago. Recreational loans range from 7.24% to 8.99% APR, also up compared to 30 days ago.

🏦 Local Lenders in Utica, NY

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🏘️ All the Lenders Available in Oneida County, NY

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