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Auto Loans

Annual Percentage Rates valid as of May 13, 2019

We can put you in the Driver's Seat! 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. Looking for a used vehicle? Check out TCAR's pre-owned vehicles.

Our low rates, friendly service, and convenient local branches are just some of the benefits that come with a First New York auto loan. We also offer no pre-payment penalties and life/disability coverage.

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

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