Auto Loans

Annual Percentage Rates valid as of April 1, 2020

First New York can put you in the driver's seat - fast!  We offer some of the lowest rates on both new and used auto loans in the Capital Region with a full suite of auto loan services to match. Combined with friendly service and convenient local branches - take advantage of all of the benefits that come with a First New York auto loan. We offer no pre-payment penalties and life/disability coverage.

In addition to auto loans, we offer a lease-like loan called Easy Drive - with payments up to 40% lower than conventional financing.

Looking for a used vehicle? Check out TCAR's pre-owned vehicles.

Refinance Your Existing Loan

If you already have an auto loan and are interested in decreasing your payment, finance at a better rate with us. Click here to apply.

Printable Auto Loan Guide Sheet

What's My Payment?

NEW AUTOMOBILE LOANS
*Annual Percentage Rate. Competitive Fixed Rates. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty. Never owned or previously titled. For terms 72 months or greater, minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. 1% APR discount available on auto loans for hybrid cars. Actual rate may vary. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.

USED AUTOMOBILE LOANS
*Annual Percentage Rate. Competitive Fixed Rates. Previously owned or titled. Financing up to 100% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty.
VEHICLES PRIOR TO AND INCLUDING 2012: We will finance purchase price or NADA value, whichever is lower.Annual Percentage Rate (APR) offered is subject to change and all loans are subject to approval. 0.25% APR discount available for automatic loan payments and automatic payment discounts are reflected in the rates above. 1% APR discount available on auto loans for hybrid cars. Actual rate may vary. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.

Ready to Apply for an Auto Loan? Let's Get Started!

Apply online, by phone at (518) 393-1326 and press 3, or stop by any First New York Branch.

Apply Now

Save money on car insurance - Take the NYS Defensive Driving Class Online for only $25!

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