Credit union · New York

USAlliance Federal Credit Union auto loan rates compared

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New York · Headquarters New YorkChecked Nov 13, 2026Rate page on usalliance.org

EligibilityPer USALLIANCE: Our community charters encompass a variety of neighborhoods including town of West Haven in Connecticut; qualifying districts of Manhattan, Mount Vernon, and the Bronx in New York; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; the New Jersey counties of Bergen and Passaic; as well as many colleges and universities, houses of worship, and local and state employees of qualifying counties in NY.

Visit lender Opens usalliance.org

Lowest new rate

5.24%APR, as low as

NewUp to 36 monthsUSAlliance Federal Credit Union

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
+1 more
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

NY lender. Not all qualify, see requirements.

Lenders

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

On rates tagged with autopay, direct deposit, or a relationship discount, the published figure includes that discount.

NewNew car rates · 4 rates

NYChecked Nov 13, 2026

New
As low as

5.24%APRUp to 36 months

2022 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. Auto and Motorcycle Loans, Rates Effective: 11/1/2026: New/Used 0 to 36 Months, APR (As Low As) 5.24%. "Auto and motorcycle loans are subject to model year eligibility. Add 0.25% for 2021 and older vehicles. Vehicles with a model year of 2016 or earlier are not eligible for financing at USALLIANCE Financial." "^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR." "**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial." "(Vehicles with more than 75,000 miles may be subject to additional restrictions.)"

Checked Nov 13, 2026Source usalliance.org

Calculate payment, USAlliance Federal Credit Union, 5.24% APR, new, up to 36 months, 2022 or newer modelsVisit lender, USAlliance Federal Credit Union, 5.24% APR, new, up to 36 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

5.74%APR37–60 months

2022 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.74% APR. Estimated payment: $481/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 37-60 months. Auto and Motorcycle Loans, Rates Effective: 11/1/2026: New/Used 37 to 60 Months, APR (As Low As) 5.74%. "Auto and motorcycle loans are subject to model year eligibility. Add 0.25% for 2021 and older vehicles. Vehicles with a model year of 2016 or earlier are not eligible for financing at USALLIANCE Financial." "^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR." "**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial." "(Vehicles with more than 75,000 miles may be subject to additional restrictions.)" "Repayment example: The monthly payment for a $25,000 auto loan at the advertised rate of 5.74% for a term of 60 months would be $480.30."

Checked Nov 13, 2026Source usalliance.org

Calculate payment, USAlliance Federal Credit Union, 5.74% APR, new, 37–60 months, 2022 or newer modelsVisit lender, USAlliance Federal Credit Union, 5.74% APR, new, 37–60 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

6.49%APR61–72 months

2022 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 6.49% APR. Estimated payment: $421/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 61-72 months. Auto and Motorcycle Loans, Rates Effective: 11/1/2026: New/Used 61 to 72 months, APR (As Low As) 6.49%. "Auto and motorcycle loans are subject to model year eligibility. Add 0.25% for 2021 and older vehicles. Vehicles with a model year of 2016 or earlier are not eligible for financing at USALLIANCE Financial." "^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR." "**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial." "(Vehicles with more than 75,000 miles may be subject to additional restrictions.)"

Checked Nov 13, 2026Source usalliance.org

Calculate payment, USAlliance Federal Credit Union, 6.49% APR, new, 61–72 months, 2022 or newer modelsVisit lender, USAlliance Federal Credit Union, 6.49% APR, new, 61–72 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

New
As low as

6.99%APR73–84 months

2022 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.99% APR. Estimated payment: $378/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Auto and Motorcycle Loans, Rates Effective: 11/1/2026: New/Used 73 to 84 months (2022+ only), APR (As Low As) 6.99%. "Auto and motorcycle loans are subject to model year eligibility. Add 0.25% for 2021 and older vehicles. Vehicles with a model year of 2016 or earlier are not eligible for financing at USALLIANCE Financial." "^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR." "**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial." "(Vehicles with more than 75,000 miles may be subject to additional restrictions.)"

Checked Nov 13, 2026Source usalliance.org

Calculate payment, USAlliance Federal Credit Union, 6.99% APR, new, 73–84 months, 2022 or newer modelsVisit lender, USAlliance Federal Credit Union, 6.99% APR, new, 73–84 months, 2022 or newer models ↗
5.24%APR

New car

Visit lender, USAlliance Federal Credit Union, 5.24% APR, new, up to 36 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 2026Up to 36 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

New car

Visit lender, USAlliance Federal Credit Union, 5.74% APR, new, 37–60 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202637–60 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.74% APR. Estimated payment: $481/mo

Assumes fixed APR, $0 down, no fees.

6.49%APR

New car

Visit lender, USAlliance Federal Credit Union, 6.49% APR, new, 61–72 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202661–72 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 6.49% APR. Estimated payment: $421/mo

Assumes fixed APR, $0 down, no fees.

6.99%APR

New car

Visit lender, USAlliance Federal Credit Union, 6.99% APR, new, 73–84 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202673–84 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.99% APR. Estimated payment: $378/mo

Assumes fixed APR, $0 down, no fees.

UsedUsed car rates · 4 rates

NYChecked Nov 13, 2026

Used
As low as

5.24%APRUp to 36 months

2022 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

Advertised as up to 36 months. Auto and Motorcycle Loans, Rates Effective: 11/1/2026: New/Used 0 to 36 Months, APR (As Low As) 5.24%. "Auto and motorcycle loans are subject to model year eligibility. Add 0.25% for 2021 and older vehicles. Vehicles with a model year of 2016 or earlier are not eligible for financing at USALLIANCE Financial." "^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR." "**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial." "(Vehicles with more than 75,000 miles may be subject to additional restrictions.)"

Checked Nov 13, 2026Source usalliance.org

Calculate payment, USAlliance Federal Credit Union, 5.24% APR, used, up to 36 months, 2022 or newer modelsVisit lender, USAlliance Federal Credit Union, 5.24% APR, used, up to 36 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

5.74%APR37–60 months

2022 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.74% APR. Estimated payment: $481/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 37-60 months. Auto and Motorcycle Loans, Rates Effective: 11/1/2026: New/Used 37 to 60 Months, APR (As Low As) 5.74%. "Auto and motorcycle loans are subject to model year eligibility. Add 0.25% for 2021 and older vehicles. Vehicles with a model year of 2016 or earlier are not eligible for financing at USALLIANCE Financial." "^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR." "**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial." "(Vehicles with more than 75,000 miles may be subject to additional restrictions.)" "Repayment example: The monthly payment for a $25,000 auto loan at the advertised rate of 5.74% for a term of 60 months would be $480.30."

Checked Nov 13, 2026Source usalliance.org

Calculate payment, USAlliance Federal Credit Union, 5.74% APR, used, 37–60 months, 2022 or newer modelsVisit lender, USAlliance Federal Credit Union, 5.74% APR, used, 37–60 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

6.49%APR61–72 months

2022 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 6.49% APR. Estimated payment: $421/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 61-72 months. Auto and Motorcycle Loans, Rates Effective: 11/1/2026: New/Used 61 to 72 months, APR (As Low As) 6.49%. "Auto and motorcycle loans are subject to model year eligibility. Add 0.25% for 2021 and older vehicles. Vehicles with a model year of 2016 or earlier are not eligible for financing at USALLIANCE Financial." "^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR." "**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial." "(Vehicles with more than 75,000 miles may be subject to additional restrictions.)"

Checked Nov 13, 2026Source usalliance.org

Calculate payment, USAlliance Federal Credit Union, 6.49% APR, used, 61–72 months, 2022 or newer modelsVisit lender, USAlliance Federal Credit Union, 6.49% APR, used, 61–72 months, 2022 or newer models ↗

NYChecked Nov 13, 2026

Used
As low as

6.99%APR73–84 months

2022 or newer models

Requires:AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.99% APR. Estimated payment: $378/mo

Assumes fixed APR, $0 down, no fees.

Advertised as 73-84 months. Auto and Motorcycle Loans, Rates Effective: 11/1/2026: New/Used 73 to 84 months (2022+ only), APR (As Low As) 6.99%. "Auto and motorcycle loans are subject to model year eligibility. Add 0.25% for 2021 and older vehicles. Vehicles with a model year of 2016 or earlier are not eligible for financing at USALLIANCE Financial." "^ Published rate for vehicle loans and personal loans can be attained by enrolling for automatic loan payment from a USALLIANCE account (amount must be equal to or greater than monthly loan payment)or through ACH. If automatic payment is not instituted, APR is 0.25% higher than published APR." "**Rates may vary based on terms as well as credit history and are set by the Asset and Liability Committee of USALLIANCE Financial." "(Vehicles with more than 75,000 miles may be subject to additional restrictions.)"

Checked Nov 13, 2026Source usalliance.org

Calculate payment, USAlliance Federal Credit Union, 6.99% APR, used, 73–84 months, 2022 or newer modelsVisit lender, USAlliance Federal Credit Union, 6.99% APR, used, 73–84 months, 2022 or newer models ↗
5.24%APR

Used car

Visit lender, USAlliance Federal Credit Union, 5.24% APR, used, up to 36 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 2026Up to 36 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 36 months at 5.24% APR. Estimated payment: $752/mo

Assumes fixed APR, $0 down, no fees.

5.74%APR

Used car

Visit lender, USAlliance Federal Credit Union, 5.74% APR, used, 37–60 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202637–60 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 60 months at 5.74% APR. Estimated payment: $481/mo

Assumes fixed APR, $0 down, no fees.

6.49%APR

Used car

Visit lender, USAlliance Federal Credit Union, 6.49% APR, used, 61–72 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202661–72 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 72 months at 6.49% APR. Estimated payment: $421/mo

Assumes fixed APR, $0 down, no fees.

6.99%APR

Used car

Visit lender, USAlliance Federal Credit Union, 6.99% APR, used, 73–84 months, 2022 or newer models

NY · 2022 or newer modelsChecked Nov 13, 202673–84 months

AutopayAutopay: The published rate assumes automatic payments (autopay). Your rate still depends on creditworthiness, term, and eligibility.NY, CT, MA, NJ areas & groupsNY, CT, MA, NJ areas & groups: For a specific group: only open to community charters in West Haven, CT; qualifying districts of Manhattan, Mount Vernon, and the Bronx, NY; the Massachusetts counties of Barnstable, Essex, Middlesex, Norfolk, Plymouth, Suffolk, and Worcester; and Bergen and Passaic counties, NJ; plus many colleges and universities, houses of worship, and local and state employees of qualifying NY counties. Other borrowers can’t get this rate. Your rate still depends on creditworthiness, term, and eligibility.
Rate details & disclosures

Example: $25,000 financed for 84 months at 6.99% APR. Estimated payment: $378/mo

Assumes fixed APR, $0 down, no fees.