Vehicle Loans in Buffalo, NY

Searching for the best car loan APR in Buffalo, NY? Compare offers from trusted local lenders to find low rates and flexible terms that fit your budget. Getting behind the wheel of your next car is easier when you know you’re getting a great deal.

Buffalo drivers deserve quick approvals and friendly service from lenders who understand our community. Take a few minutes to compare vehicle loan options and start your journey toward owning the car you want—without the hassle or high costs.

NewUsed

Filters

Lender
APR
Term
Link
Info
sfcuonline
5.09 - 9.84 %
6 - 7 Yrs
∞
affinityfcu
5.2 - 7.55 %
3 - 7 Yrs
∞
usalliance
5.24 - 6.99 %
3.1 - 7 Yrs
∞
nymcu
5.24 - 7 %
3.1 - 7 Yrs
∞
jovia
5.28 %
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 %
∞
dupaco
5.44 - 8.39 %
4 - 7 Yrs
∞

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-AUG-28

Credit Union Loan Rates - Trends & Analysis:

Sidney's auto loan rates range from 5.09% to 9.84% APR today, showing no change from 7 and 30 days ago but down from 60 and 90 days ago. Motorcycle loans have a fixed rate of 6.09% APR today, which is steady compared to 7 and 30 days ago but lower than 90 days ago. Affinity's auto loan rates range from 4.94% to 7.55% APR today. These rates are unchanged from 7 and 30 days ago but are down from 60 and 90 days ago. Usalliance vehicle loans range from 5.24% to 6.99% for auto loans. These rates show no change compared to 7 and 30 days ago. The terms remain steady with no variation in the past 90 days.

Municipal's auto loans with an APR range of 4.99% to 7% . Unchanged compared to 7, 30, 60, or 90 days ago. Jovia Financial's auto loan rate is 5.28% APR today. This rate shows no change from 60 and 90 days ago. No other terms or loan types are listed for comparison. Centra's auto loan rates range from 4.99% to 16.79% APR today, with no change from 7 or 30 days ago but down from 60 and 90 days ago. Other loan rates are between 6.75% and 19.25% APR, showing no change from 7 and 30 days ago and down from 90 days ago.

Hudson Valley's auto loan rates range from 5.34% to 7.59% APR today. These rates are unchanged from 7 and 30 days ago but are up compared to 60 and 90 days ago. The Summit's auto loans with APRs ranging from 4.95% to 6.75% , showing no change from 7 or 30 days ago but a slight increase from 60 and 90 days ago. Recreational loan rates are between 6.35% and 7.15% , remaining steady compared to 7, 30, and 60 days ago. Heritage Financial's auto loan rates range from 4.99% to 7.32% APR, which is up from 7 days and 30 days ago. Motorcycle loans are steady at 7.49% APR, while recreational vehicle loans remain unchanged between 6.5% and 7% APR.

Dupaco Community's auto loans with APRs ranging from 4.99% to 8.39% and recreational loans from 7.09% to 10.04% . Unchanged compared to 7 and 30 days ago. Both loan types have steady rates across all recent periods.

🏦 Local Lenders in Buffalo, NY

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Erie County, NY

✅THE SUMMIT FEDERAL CREDIT UNION
✅NORTH TOWNS FEDERAL CREDIT UNION
✅GOOD NEIGHBORS FEDERAL CREDIT UNION
✅LAKE SHORE FEDERAL CREDIT UNION
✅CADETS FEDERAL CREDIT UNION
✅SENECA NATION OF INDIANS FEDERAL CREDIT UNION
✅FINANCIAL TRUST FEDERAL CREDIT UNION
✅MERIDIA COMMUNITY FEDERAL CREDIT UNION
✅CORNERSTONE COMMUNITY 11723 CREDIT UNION
✅MOOG EMPLOYEES FEDERAL CREDIT UNION
✅GREAT ERIE FEDERAL CREDIT UNION
✅UPSTATE MILK EMPLOYEES FEDERAL CREDIT UNION
✅GRIFFITH INSTITUTE EMPLOYEES FEDERAL CREDIT UNION
✅LOCAL 41 IBEW CREDIT UNION
✅BECCO BUFFALO FEDERAL CREDIT UNION
✅DUNLOP EMPLOYEES FEDERAL CREDIT UNION
✅LINTON FEDERAL CREDIT UNION
✅BUFFALO POLICE FEDERAL CREDIT UNION
✅BUFFALO METROPOLITAN FEDERAL CREDIT UNION
✅BROADVIEW FEDERAL CREDIT UNION
✅ERIE COUNTY EMPLOYEES CREDIT UNION
✅ST JOHN UNITED CREDIT UNION
✅UKRAINIAN FEDERAL CREDIT UNION
✅EMPIRE ONE FEDERAL CREDIT UNION
✅BUFFALO CONRAIL FEDERAL CREDIT UNION
✅RADIUS CREDIT UNION
✅KALEIDA HEALTH FEDERAL CREDIT UNION
✅ONE CREDIT UNION OF NY CREDIT UNION
✅CROSSROADS COMMUNITY FEDERAL CREDIT UNION
✅SISTERS HOSPITAL EMPLOYEES CREDIT UNION
✅GREATER WOODLAWN FEDERAL CREDIT UNION
✅WESTERN DIVISION FEDERAL CREDIT UNION
✅AMHERST FEDERAL CREDIT UNION
✅MORTON LANE FEDERAL CREDIT UNION
✅MARYVALE SCHOOLS FEDERAL CREDIT UNION
✅AFGM ENTERPRISES FEDERAL CREDIT UNION
✅EMPOWER 3025 CREDIT UNION
✅WESTERN NEW YORK FEDERAL CREDIT UNION
✅TONAWANDA COMMUNITY FEDERAL CREDIT UNION
✅SJP FEDERAL CREDIT UNION
✅KENMORE N Y TEACHERS CREDIT UNION
✅CIRCUIT FEDERAL CREDIT UNION
✅SLOAN PUBLIC SCHOOLS FEDERAL CREDIT UNION
✅TOWN OF CHEEKTOWAGA FEDERAL CREDIT UNION
✅NIAGARA FALLS A F FEDERAL CREDIT UNION
✅SWEET HOME FEDERAL CREDIT UNION
✅BOULEVARD FEDERAL CREDIT UNION
✅YOUR CHOICE FEDERAL CREDIT UNION
✅ARMSTRONG CO FEDERAL EMP CREDIT UNION
✅CAMBRIDGE MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION
✅C S P EMPLOYEES FEDERAL CREDIT UNION
✅HAVERHILL FIRE DEPARTMENT CREDIT UNION
✅WILLIAMSVILLE FEDERAL CREDIT UNION
✅HOLY FAMILY PARMA FEDERAL CREDIT UNION
✅AKRON SCHOOL EMPLOYEES FEDERAL CREDIT UNION

Compare other loan types in Buffalo, NY

Why compare Vehicle Loans in Buffalo, NY on LendMesh

If you’re searching for the best car loan APR in Buffalo, NY, it pays to keep exploring your options. LendMesh lets you compare offers from multiple lenders side by side, helping you uncover better deals and potentially lower rates. Taking a little extra time to review these options can make a big difference in your monthly payments and save you money over the life of your loan.

To stay ahead in Buffalo’s competitive market, consider subscribing to LendMesh’s personalized alerts. Just set your target APR—whether it’s 5%, 4%, or even lower—and we’ll notify you as soon as offers match your goal. You’ll also receive weekly or monthly updates with expert insights, loan trends, and hand-picked deals, all designed to keep you informed and confident in your car loan decision.

Customers are also interested in:

Best Car Loan Apr