The MFP’s Community Auto Lender Survey gathers New York’s car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from New York’s Car Drivers >>
New York Best Car Loan Lenders
Brooklyn, Queens, Manhattan, Bronx, Staten Island, Buffalo, Rochester, Yonkers, Syracuse, Albany, New Rochelle, Mount Vernon, Schenectady, Utica, Online.
New York Car Loans Lenders Satisfaction
Performance and satisfaction of car loan lenders across New York by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.53 | 4.57 | 4.58 | 91.4% |
| Online Lenders | 4.50 | 4.58 | 4.46 | 85.8% |
| Community Banks | 4.21 | 4.30 | 4.32 | 85.2% |
| Banks | 3.93 | 4.00 | 4.03 | 80.1% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from 2,451 local New York drivers who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, speedy quote and decision, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for New York Drivers:
New York New Car Insurance Cost
New York Used Car Insurance Cost
Brooklyn Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Brooklyn’s area are Municipal Credit Union, Brooklyn Cooperative Federal Credit Union and Polish & Slavic Federal Credit Union.
Municipal Credit Union (94% Recommend)
- Highest Recommend % at 94%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a 4.7 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, accessible branch service, and clear communication during the auto-loan process.
Brooklyn Cooperative Federal Credit Union (92% Recommend)
- Second-highest Recommend % at 92%, with the top Speedy Quote & Decision score among the top 3 at 4.8 and a strong 4.5 Easy Application rating.
- Customer feedback commonly highlights attentive local service, helpful staff, and practical guidance during borrowing decisions.
Polish & Slavic Federal Credit Union (91% Recommend)
- Strong 91% Recommend score, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions responsive service, straightforward loan steps, and helpful branch support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| Brooklyn Cooperative Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.8 | 92% |
| Polish & Slavic Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Actors Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 89% |
| Ridgewood Savings Bank | Community Bank | 4.3 | 4.4 | 4.4 | 87% |
| Apple Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Dime Community Bank | Community Bank | 4.1 | 4.2 | 4.2 | 83% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
Queens Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Queens’s area are Municipal Credit Union, Polish & Slavic Federal Credit Union and Teachers Federal Credit Union.
Municipal Credit Union (94% Recommend)
- Highest Recommend % at 94%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a 4.7 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, accessible branch service, and clear communication during the auto-loan process.
Polish & Slavic Federal Credit Union (92% Recommend)
- Second-highest Recommend % at 92%, with the top Speedy Quote & Decision score among the top 3 at 4.7 and a strong 4.6 Easy Application rating.
- Customer feedback commonly highlights responsive service, straightforward loan steps, and helpful branch support.
Teachers Federal Credit Union (91% Recommend)
- Strong 91% Recommend score, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions helpful employees, simple financing steps, and useful guidance during borrowing decisions.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| Polish & Slavic Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Teachers Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Actors Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 89% |
| Flushing Bank | Community Bank | 4.3 | 4.4 | 4.4 | 87% |
| Ridgewood Savings Bank | Community Bank | 4.2 | 4.3 | 4.3 | 85% |
| Apple Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
Manhattan Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Manhattan’s area are Municipal Credit Union, Actors Federal Credit Union and Lower East Side People’s Federal Credit Union.
Municipal Credit Union (94% Recommend)
- Highest Recommend % at 94%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a 4.7 Speedy Quote & Decision rating.
- Customer feedback most often point to competitive vehicle-loan terms, accessible branch service, and clear communication during the auto-loan process.
Actors Federal Credit Union (92% Recommend)
- Second-highest Recommend % at 92%, with the top Easy Application score among the top 3 at 4.6 and a strong 4.6 Speedy Quote & Decision rating.
- Customer feedback commonly highlight responsive service, straightforward loan steps, and helpful branch support.
Lower East Side People’s Federal Credit Union (90% Recommend)
- Strong 90% Recommend score, with the highest Speedy Quote & Decision score among the top 3 at 4.8 and a solid 4.4 Loan Terms & Rate Satisfaction rating.
- Customer feedback frequently mention attentive local service, clear explanations, and practical guidance during borrowing decisions.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| Actors Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 92% |
| Lower East Side People’s Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.8 | 90% |
| Teachers Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 89% |
| Apple Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Amalgamated Bank | Community Bank | 4.1 | 4.2 | 4.2 | 83% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
| Wells Fargo Bank | Bank | 3.7 | 3.7 | 3.8 | 75% |
Bronx Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Bronx’s area are Municipal Credit Union, Lower East Side People’s Federal Credit Union and Teachers Federal Credit Union.
Municipal Credit Union (94% Recommend)
- Highest Recommend % at 94%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a 4.7 Speedy Quote & Decision rating.
- Customer feedback most often point to competitive vehicle-loan terms, accessible branch service, and clear communication during the auto-loan process.
Lower East Side People’s Federal Credit Union (91% Recommend)
- Second-highest Recommend % at 91%, with the highest Speedy Quote & Decision score among the top 3 at 4.8 and a solid 4.4 Easy Application rating.
- Customer feedback commonly highlight attentive local service, clear explanations, and practical guidance during borrowing decisions.
Teachers Federal Credit Union (90% Recommend)
- Strong 90% Recommend score, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mention helpful employees, simple financing steps, and useful guidance during borrowing decisions.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| Lower East Side People’s Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.8 | 91% |
| Teachers Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Actors Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 89% |
| Apple Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Ridgewood Savings Bank | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
| Wells Fargo Bank | Bank | 3.7 | 3.7 | 3.8 | 75% |
Staten Island Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Staten Island’s area are Municipal Credit Union, Teachers Federal Credit Union and Polish & Slavic Federal Credit Union.
Municipal Credit Union (94% Recommend)
- Highest Recommend % at 94%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a 4.7 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, accessible branch service, and clear communication during the auto-loan process.
Teachers Federal Credit Union (91% Recommend)
- Second-highest Recommend % at 91%, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback commonly highlights helpful employees, simple financing steps, and useful guidance during borrowing decisions.
Polish & Slavic Federal Credit Union (90% Recommend)
- Strong 90% Recommend score, with a 4.5 Speedy Quote & Decision rating and solid 4.4 Easy Application and Loan Terms & Rate Satisfaction ratings.
- Customer feedback frequently mentions responsive service, straightforward loan steps, and helpful branch support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| Teachers Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Polish & Slavic Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 90% |
| Actors Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.4 | 88% |
| Apple Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Ridgewood Savings Bank | Community Bank | 4.1 | 4.2 | 4.3 | 84% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
| Wells Fargo Bank | Bank | 3.7 | 3.7 | 3.8 | 75% |
Buffalo Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Buffalo’s area are Broadview Federal Credit Union, Buffalo Metropolitan Federal Credit Union and Cornerstone Community Federal Credit Union.
Broadview Federal Credit Union (95% Recommend)
- Highest Recommend % at 95%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.8 and a 4.8 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, helpful staff, and clear communication during financing.
Buffalo Metropolitan Federal Credit Union (93% Recommend)
- Second-highest Recommend % at 93%, with the top Easy Application score among the top 3 at 4.7 and a strong 4.6 Speedy Quote & Decision rating.
- Customer feedback commonly highlights smooth application handling, responsive employees, and straightforward auto-loan support.
Cornerstone Community Federal Credit Union (91% Recommend)
- Strong 91% Recommend score, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions helpful local service, simple loan steps, and useful guidance throughout the borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Broadview Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Buffalo Metropolitan Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 93% |
| Cornerstone Community Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Great Erie Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 89% |
| Good Neighbors Credit Union | Credit Union | 4.3 | 4.4 | 4.4 | 87% |
| Evans Bank | Community Bank | 4.2 | 4.3 | 4.3 | 85% |
| Five Star Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| KeyBank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| M&T Bank | Bank | 3.9 | 4.0 | 4.0 | 80% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
Rochester Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Rochester’s area are ESL Federal Credit Union, Reliant Credit Union and Advantage Federal Credit Union.
ESL Federal Credit Union (95% Recommend)
- Highest Recommend % at 95%, with the strongest Speedy Quote & Decision score among the top 3 at 4.8 and a 4.8 Easy Application rating.
- Customer feedback most often points to helpful loan staff, smooth application handling, and clear communication during the auto-loan process.
Reliant Credit Union (93% Recommend)
- Second-highest Recommend % at 93%, with the highest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a strong 4.6 Speedy Quote & Decision rating.
- Customer feedback commonly highlights competitive vehicle-loan terms, responsive employees, and straightforward financing support.
Advantage Federal Credit Union (91% Recommend)
- Strong 91% Recommend score, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions simple loan steps, attentive staff, and useful guidance throughout the borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| ESL Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Reliant Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 93% |
| Advantage Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| The Summit Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 89% |
| Family First Federal Credit Union | Credit Union | 4.3 | 4.4 | 4.4 | 87% |
| Five Star Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Canandaigua National Bank & Trust | Community Bank | 4.1 | 4.2 | 4.2 | 83% |
| KeyBank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| M&T Bank | Bank | 3.9 | 4.0 | 4.0 | 80% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
Yonkers Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Yonkers’s area are Municipal Credit Union, Affinity Federal Credit Union and Teachers Federal Credit Union.
Municipal Credit Union (94% Recommend)
- Highest Recommend % at 94%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a 4.7 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, accessible branch service, and clear communication during the auto-loan process.
Affinity Federal Credit Union (92% Recommend)
- Second-highest Recommend % at 92%, with the top Easy Application score among the top 3 at 4.6 and a strong 4.6 Speedy Quote & Decision rating.
- Customer feedback commonly highlights smooth application handling, responsive staff, and helpful guidance during borrowing decisions.
Teachers Federal Credit Union (90% Recommend)
- Strong 90% Recommend score, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions helpful employees, simple financing steps, and useful support throughout the loan process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| Affinity Federal Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 92% |
| Teachers Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 90% |
| Hudson Valley Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 89% |
| Apple Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Ridgewood Savings Bank | Community Bank | 4.1 | 4.2 | 4.3 | 84% |
| Webster Bank | Bank | 4.0 | 4.1 | 4.1 | 82% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
Syracuse Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Syracuse’s area are Empower Federal Credit Union, AmeriCU Credit Union and Broadview Federal Credit Union.
Empower Federal Credit Union (95% Recommend)
- Highest Recommend % at 95%, with the strongest Easy Application score among the top 3 at 4.8 and a 4.8 Speedy Quote & Decision rating.
- Customer feedback most often points to smooth application handling, helpful staff, and clear communication during the auto-loan process.
AmeriCU Credit Union (94% Recommend)
- Second-highest Recommend % at 94%, with the highest Loan Terms & Rate Satisfaction score among the top 3 at 4.8 and a strong 4.7 Speedy Quote & Decision rating.
- Customer feedback commonly highlights competitive vehicle-loan terms, responsive employees, and straightforward financing support.
Broadview Federal Credit Union (92% Recommend)
- Strong 92% Recommend score, with balanced 4.6 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions helpful local service, simple loan steps, and useful guidance throughout the borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Empower Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| AmeriCU Credit Union | Credit Union | 4.7 | 4.8 | 4.7 | 94% |
| Broadview Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| SECNY Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 90% |
| Visions Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 89% |
| Solvay Bank | Community Bank | 4.3 | 4.4 | 4.4 | 87% |
| Five Star Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| KeyBank | Bank | 4.0 | 4.1 | 4.1 | 82% |
| M&T Bank | Bank | 3.9 | 4.0 | 4.0 | 80% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
Albany Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Albany’s area are Broadview Federal Credit Union, CAP COM Federal Credit Union and SEFCU.
Broadview Federal Credit Union (95% Recommend)
- Highest Recommend % at 95%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.8 and a 4.8 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, helpful staff, and clear communication during financing.
CAP COM Federal Credit Union (94% Recommend)
- Second-highest Recommend % at 94%, with the top Easy Application score among the top 3 at 4.8 and a strong 4.7 Speedy Quote & Decision rating.
- Customer feedback commonly highlights smooth application handling, responsive employees, and straightforward auto-loan support.
SEFCU (92% Recommend)
- Strong 92% Recommend score, with balanced 4.6 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions helpful local service, simple loan steps, and useful guidance throughout the borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Broadview Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| CAP COM Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| SEFCU | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| Hudson River Community Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 90% |
| First New York Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 89% |
| Pioneer Bank | Community Bank | 4.3 | 4.4 | 4.4 | 87% |
| Trustco Bank | Community Bank | 4.2 | 4.3 | 4.3 | 85% |
| KeyBank | Bank | 4.0 | 4.1 | 4.1 | 82% |
| M&T Bank | Bank | 3.9 | 4.0 | 4.0 | 80% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
New Rochelle Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in New Rochelle’s area are Municipal Credit Union, Teachers Federal Credit Union and Affinity Federal Credit Union.
Municipal Credit Union (94% Recommend)
- Highest Recommend % at 94%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a 4.7 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, accessible branch service, and clear communication during the auto-loan process.
Teachers Federal Credit Union (91% Recommend)
- Second-highest Recommend % at 91%, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback commonly highlights helpful employees, simple financing steps, and useful support throughout the loan process.
Affinity Federal Credit Union (90% Recommend)
- Strong 90% Recommend score, with a 4.5 Speedy Quote & Decision rating and solid 4.4 Easy Application and Loan Terms & Rate Satisfaction ratings.
- Customer feedback frequently mentions responsive service, clear explanations, and practical guidance during borrowing decisions.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| Teachers Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Affinity Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 90% |
| Hudson Valley Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 89% |
| Apple Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Webster Bank | Bank | 4.0 | 4.1 | 4.1 | 82% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
Mount Vernon Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Mount Vernon’s area are Municipal Credit Union, Teachers Federal Credit Union and Affinity Federal Credit Union.
Municipal Credit Union (94% Recommend)
- Highest Recommend % at 94%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.7 and a 4.7 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, accessible branch service, and clear communication during the auto-loan process.
Teachers Federal Credit Union (91% Recommend)
- Second-highest Recommend % at 91%, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback commonly highlights helpful employees, simple financing steps, and useful support throughout the loan process.
Affinity Federal Credit Union (90% Recommend)
- Strong 90% Recommend score, with a 4.5 Speedy Quote & Decision rating and solid 4.4 Easy Application and Loan Terms & Rate Satisfaction ratings.
- Customer feedback frequently mentions responsive service, clear explanations, and practical guidance during borrowing decisions.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Municipal Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 94% |
| Teachers Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| Affinity Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 90% |
| Hudson Valley Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 89% |
| Apple Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Webster Bank | Bank | 4.0 | 4.1 | 4.1 | 82% |
| TD Bank | Bank | 4.0 | 4.0 | 4.1 | 81% |
| Chase Bank | Bank | 3.8 | 3.9 | 3.9 | 78% |
Schenectady Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Schenectady’s area are Broadview Federal Credit Union, First New York Federal Credit Union and Hudson River Community Credit Union.
Broadview Federal Credit Union (95% Recommend)
- Highest Recommend % at 95%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.8 and a 4.8 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, helpful staff, and clear communication during financing.
First New York Federal Credit Union (93% Recommend)
- Second-highest Recommend % at 93%, with the top Easy Application score among the top 3 at 4.7 and a strong 4.6 Speedy Quote & Decision rating.
- Customer feedback commonly highlights smooth application handling, responsive employees, and straightforward auto-loan support.
Hudson River Community Credit Union (91% Recommend)
- Strong 91% Recommend score, with balanced 4.5 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions helpful local service, simple loan steps, and useful guidance throughout the borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Broadview Federal Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| First New York Federal Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 93% |
| Hudson River Community Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 91% |
| CAP COM Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.4 | 89% |
| Pioneer Bank | Community Bank | 4.3 | 4.4 | 4.4 | 87% |
| Trustco Bank | Community Bank | 4.2 | 4.3 | 4.3 | 85% |
| KeyBank | Bank | 4.0 | 4.1 | 4.1 | 82% |
| M&T Bank | Bank | 3.9 | 4.0 | 4.0 | 80% |
Utica Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Utica’s area are AmeriCU Credit Union, Empower Federal Credit Union and GPO Federal Credit Union.
AmeriCU Credit Union (95% Recommend)
- Highest Recommend % at 95%, with the strongest Loan Terms & Rate Satisfaction score among the top 3 at 4.8 and a 4.8 Speedy Quote & Decision rating.
- Customer feedback most often points to competitive vehicle-loan terms, helpful staff, and clear communication during financing.
Empower Federal Credit Union (94% Recommend)
- Second-highest Recommend % at 94%, with the top Easy Application score among the top 3 at 4.8 and a strong 4.7 Speedy Quote & Decision rating.
- Customer feedback commonly highlights smooth application handling, responsive employees, and straightforward auto-loan support.
GPO Federal Credit Union (92% Recommend)
- Strong 92% Recommend score, with balanced 4.6 ratings for Easy Application, Loan Terms & Rate Satisfaction, and Speedy Quote & Decision.
- Customer feedback frequently mentions helpful local service, simple loan steps, and useful guidance throughout the borrowing process.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| AmeriCU Credit Union | Credit Union | 4.7 | 4.8 | 4.8 | 95% |
| Empower Federal Credit Union | Credit Union | 4.8 | 4.7 | 4.7 | 94% |
| GPO Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 92% |
| First Source Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 90% |
| Broadview Federal Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 89% |
| Adirondack Bank | Community Bank | 4.3 | 4.4 | 4.4 | 87% |
| NBT Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| KeyBank | Bank | 4.0 | 4.1 | 4.1 | 82% |
| M&T Bank | Bank | 3.9 | 4.0 | 4.0 | 80% |
| Bank of America | Bank | 3.7 | 3.8 | 3.8 | 76% |
New York Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in New York’s area are Broadview Federal Credit Union, Capital One Auto Navigator and Municipal Credit Union.
Broadview Federal Credit Union (94% Recommend)
- Broadview ranks #1 with a 94% Recommend score, a 4.8 Loan Terms & Rate Satisfaction rating, and the strongest New York presence score among the top 3.
- Customer feedback supports Broadview’s top ranking because borrowers value its New York branch footprint, online vehicle-loan application access, local car-buying support, and competitive auto-loan terms.
Capital One Auto Navigator (93% Recommend)
- Capital One ranks #2 with a 93% Recommend score, the highest Easy Application rating among the top 3 at 4.8, and the highest Speedy Quotes & Decision score among the top 3 at 4.8.
- Customer feedback points to a strong online prequalification flow, clear payment visibility, and a smoother car-shopping process before visiting a participating dealer.
Municipal Credit Union (92% Recommend)
- Municipal Credit Union ranks #3 with a 92% Recommend score, a 4.7 Loan Terms & Rate Satisfaction rating, and stronger New York presence than Capital One because of its NYC-focused member footprint.
- Customer feedback supports MCU’s ranking because borrowers value its New York member support, online preapproval access, flexible auto-loan options, and car-buying service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quotes & Decision | Recommend |
|---|---|---|---|---|---|
| Broadview Federal Credit Union | Direct | 4.7 | 4.8 | 4.6 | 94% |
| Capital One Auto Navigator | Direct | 4.8 | 4.6 | 4.8 | 93% |
| Municipal Credit Union | Direct | 4.6 | 4.7 | 4.6 | 92% |
| LightStream | Direct | 4.7 | 4.8 | 4.7 | 90% |
| FourLeaf Federal Credit Union | Direct | 4.6 | 4.7 | 4.5 | 90% |
| Island Federal Credit Union | Direct | 4.6 | 4.7 | 4.5 | 89% |
| Nassau Financial Federal Credit Union | Direct | 4.5 | 4.7 | 4.4 | 88% |
| Teachers Federal Credit Union | Direct | 4.5 | 4.6 | 4.4 | 87% |
| Hudson Valley Credit Union | Direct | 4.4 | 4.6 | 4.3 | 86% |
| AUTOPAY | Marketplace | 4.7 | 4.5 | 4.8 | 86% |
| AmeriCU Credit Union | Direct | 4.4 | 4.6 | 4.3 | 85% |
| ESL Federal Credit Union | Direct | 4.4 | 4.6 | 4.3 | 85% |
| Visions Federal Credit Union | Direct | 4.4 | 4.5 | 4.3 | 84% |
| Empower Federal Credit Union | Direct | 4.3 | 4.5 | 4.2 | 83% |
| Jovia Financial Credit Union | Direct | 4.3 | 4.5 | 4.2 | 82% |
| Bank of America | Direct | 4.5 | 4.6 | 4.4 | 82% |
| myAutoLoan | Marketplace | 4.6 | 4.5 | 4.6 | 84% |
| PenFed Credit Union | Direct | 4.5 | 4.8 | 4.4 | 82% |
| LendingTree | Marketplace | 4.5 | 4.4 | 4.6 | 78% |
| Auto Credit Express | Marketplace | 4.0 | 3.8 | 4.2 | 75% |