1Editor's pick
Caribou
Reviewed 9d ago
- APR
- 5.49–17.99%
- Min. credit score
- 580+
- Loan amount
- $8K–$80K
- Loan length
- 24–84 mo
Refinance · New York City, NY
Refinance an auto loan in New York City.
New York's average auto refi APR sits at 7.4% — typical $22,000 loan refinanced from the 9.2% pre-refi median saves about $19/mo over the remaining 48 months. NYC refi competition is bank-heavy — credit-union access is limited. Compare 4+ lenders aggressively; APR spread can exceed 2 points across providers.
Reviewed by CarSavr Editorial TeamEditorial standards
New York avg refi APR
7.4%
60-month new-car refi · 720+ FICO · Experian Q4 2025
Est. monthly savings
$19
Typical $22,000 balance · 48mo remaining · 9.2% → 7.4%
Lifetime savings
$895
Over the remaining 48 months
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Rates as of Aug 21, 2026
Today's refinance offers for New York City drivers
Compare APR + funding speed across vetted refi lenders. New York City residents can apply to any refi lender licensed in New York.
Comparing 11 audited refi lenders· Rates verified Aug 21
Data last reviewed . Source: CarSavr editorial methodology.
Editor's pick · 2-min compare
Caribou
Starting APR 5.49–17.99%
6 lenders shown, sorted by default editor's pick order.
Compare refi lenders side-by-side
Multiple refi quotes — one application
Soft pull · No obligation · Better than your current loan or skip
| Lender | Loan amount | Loan length | ||||
|---|---|---|---|---|---|---|
1 Caribou | 5.49–17.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$80K | 24–84 mo | Reviewed 9d ago | NewStack 2–4 refi lenders side-by-side to compare APR, terms, and scores at once. |
2 Carputty Soft-pull · subprime-friendly · luxury ceiling | 5.49–19.99% Total int. ~$3,645 · $25k · 60mo | 580+ | $8K–$250K | 24–96 mo | Reviewed 9d ago | |
3  Best for prime refi | 6.49–13.74% Total int. ~$4,342 · $25k · 60mo | 660+ | $5K–$100K | 24–84 mo | Reviewed 9d ago | |
 150+ partner lenders · 25 years in market | 5.39–17.99% Total int. ~$3,576 · $25k · 60mo | 580+ | $10K–$100K | 12–72 mo | Reviewed 9d ago | |
 Best credit union refi | 5.24–17.99% Total int. ~$3,472 · $25k · 60mo | 610+ | $500–$150K | 36–84 mo | Reviewed 9d ago | |
 No prepayment penalty · 660+ FICO refi | 5.74–24.99% Total int. ~$3,818 · $25k · 60mo | 660+ | $5K–$55K | 24–72 mo | Reviewed 9d ago |
2
Carputty
Reviewed 9d ago
- APR
- 5.49–19.99%
- Min. credit score
- 580+
- Loan amount
- $8K–$250K
- Loan length
- 24–96 mo
3
Reviewed 9d ago
- APR
- 6.49–13.74%
- Min. credit score
- 660+
- Loan amount
- $5K–$100K
- Loan length
- 24–84 mo
Reviewed 9d ago
- APR
- 5.39–17.99%
- Min. credit score
- 580+
- Loan amount
- $10K–$100K
- Loan length
- 12–72 mo
Reviewed 9d ago
- APR
- 5.24–17.99%
- Min. credit score
- 610+
- Loan amount
- $500–$150K
- Loan length
- 36–84 mo
Reviewed 9d ago
- APR
- 5.74–24.99%
- Min. credit score
- 660+
- Loan amount
- $5K–$55K
- Loan length
- 24–72 mo
APR ranges are sourced from each lender's public site and are updated regularly. Your actual rate depends on credit history, loan amount, vehicle, and state. CarSavr may earn a commission when you apply through our links — it never affects how we rank lenders.
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How rows are ranked: Editor's pick first, then by overall rating. Promoted placements are flagged with a Sponsored badge. Read the full methodology →
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