Lender profile
Access
Lender Live rate observations
Access at a glance
Access is a lender based in New York. LoanMate.ai tracks 13 published loan products from Access (15 rate listings), last verified 2026-10-17. Its lowest published rate today is 3.99% on Secured personal loan. Its Secured personal loan rate of 3.99% is 0.56 points below the national median of 4.55% (across 55 lenders publishing that product). Access lends in New York only.
Home equity loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL | — | 6.74 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | — | 6.99 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 7.24 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (9)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-USED-48 | — | 4.74 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 5.49 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-24 | — | 7.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-36 | — | 8.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 8.25 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 8.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 8.75 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC | — | 3.99 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 9.99 | — | — | 2026-10-17 | Lender source ↗ |
How Access compares
Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Adirondack Regional, Adirondack Trust Company, Allegany First, Alliance Niagara
Common questions
What is the lowest published rate at Access?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Access is 3.99% on its Secured personal loan. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Access lend?
Access lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Access's Secured personal loan rate compare nationally?
Access publishes Secured personal loan at 3.99%. The national median for that product is 4.55% across 55 lenders in LoanMate.ai's October 17, 2026 dataset, so Access is 0.56 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.