Lender profile
Cadets
Lender Live rate observations
Cadets at a glance
Cadets is a lender based in New York. LoanMate.ai tracks 24 published loan products from Cadets (30 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.5% on New auto loan · 36 months. Its 10-year fixed rate of 6% is 0.5 points below the national median of 6.5% (across 66 lenders publishing that product). Cadets lends in New York only.
Purchase mortgage (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 10FP | 7.0 | — | — | — | 2026-10-17 | Lender source ↗ |
| 10FP | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| 15FP | — | 6.50 | — | — | 2026-10-17 | Lender source ↗ |
| 20FP | — | 7.00 | — | — | 2026-10-17 | Lender source ↗ |
| 15FP | — | 8.00 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-8yr | 6.25 | — | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-12yr | 6.75 | — | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | — | 6.50 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 7.00 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 7.50 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (10)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-36 | — | 4.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-48 | — | 4.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-36 | — | 5.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 5.25 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 5.25 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 6.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 6.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 7.25 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (10)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC | — | 4.75 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-24 | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-36 | — | 6.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-24 | — | 6.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 7.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-36 | — | 7.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 8.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-48 | — | 8.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-LINE | — | 9.00 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 9.25 | — | — | 2026-10-17 | Lender source ↗ |
How Cadets compares
- #1 nationally for Unsecured personal loan · 24 months — 6% (of 71 lenders publishing it)
- #2 nationally for Unsecured personal loan · 48 months — 7.25% (of 104 lenders publishing it)
- #3 nationally for Unsecured personal loan · 36 months — 6.25% (of 146 lenders publishing it)
Compare all purchase mortgage rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Cadets?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Cadets is 4.5% on its New auto loan · 36 months. 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 Cadets lend?
Cadets lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Cadets's 10-year fixed rate compare nationally?
Cadets publishes 10-year fixed at 6%. The national median for that product is 6.5% across 66 lenders in LoanMate.ai's October 17, 2026 dataset, so Cadets is 0.5 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.