Lender profile
Niagara'S Choice
Lender Live rate observations
Niagara'S Choice at a glance
Niagara'S Choice is a lender based in New York. LoanMate.ai tracks 4 published loan products from Niagara'S Choice (4 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.9% on New auto loan · 84 months. Its New auto loan · 84 months rate of 4.9% is 1.05 points below the national median of 5.95% (across 225 lenders publishing that product). Niagara'S Choice lends in New York only.
Auto loan (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-84 | — | 4.90 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 4.90 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 8.05 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-60 | — | 8.80 | — | — | 2026-10-17 | Lender source ↗ |
How Niagara'S Choice compares
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 Niagara'S Choice?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Niagara'S Choice is 4.9% on its New auto loan · 84 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 Niagara'S Choice lend?
Niagara'S Choice lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Niagara'S Choice's New auto loan · 84 months rate compare nationally?
Niagara'S Choice publishes New auto loan · 84 months at 4.9%. The national median for that product is 5.95% across 225 lenders in LoanMate.ai's October 17, 2026 dataset, so Niagara'S Choice is 1.05 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.