Lender profile
Ocean Financial
Lender Live rate observations
Ocean Financial at a glance
Ocean Financial is a lender based in New York. LoanMate.ai tracks 3 published loan products from Ocean Financial (6 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.99% on New auto loan. Its New auto loan rate of 4.99% matches the national median of 4.99% (across 299 lenders publishing that product). Ocean Financial lends in New York only.
Auto loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.44 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 6.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 6.94 | — | — | 2026-10-17 | Lender source ↗ |
How Ocean Financial compares
Compare all auto 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 Ocean Financial?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Ocean Financial is 4.99% on its New auto 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 Ocean Financial lend?
Ocean Financial lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Ocean Financial's New auto loan rate compare nationally?
Ocean Financial publishes New auto loan at 4.99%. The national median for that product is 4.99% across 299 lenders in LoanMate.ai's October 17, 2026 dataset, so Ocean Financial is right at 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.