Lender profile
Spencerport
Lender Live rate observations
Spencerport at a glance
Spencerport is a lender based in New York. LoanMate.ai tracks 8 published loan products from Spencerport (8 rate listings), last verified 2026-10-17. Its lowest published rate today is 4.99% on New auto loan · 60 months. Its New auto loan · 60 months rate of 4.99% is 0.2 points below the national median of 5.19% (across 217 lenders publishing that product). Spencerport lends in New York only.
Auto loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-60 | — | 4.99 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 5.29 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 5.64 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 5.94 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.99 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-12 | — | 7.50 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 8.50 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-LINE | — | 15.00 | — | — | 2026-10-17 | Lender source ↗ |
How Spencerport 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 Spencerport?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Spencerport is 4.99% on its New auto loan · 60 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 Spencerport lend?
Spencerport lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Spencerport's New auto loan · 60 months rate compare nationally?
Spencerport publishes New auto loan · 60 months at 4.99%. The national median for that product is 5.19% across 217 lenders in LoanMate.ai's October 17, 2026 dataset, so Spencerport is 0.2 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.