Compare Bank & Credit Union Rates
Best auto loan rates, new and used
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
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Top new-car loan rates
Showing 1–15 of 2,932 nationwide · median 5.00% APR
- 1.90%APRas low as
Terms
2024 or newer model year vehicles; A+ and A credit scores. Promotional rate valid through October 31, 2026. Rate is as low as and is based on credit score, membership, loan term, and vehicle eligibility.
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 1.99%APRas low as
Auto loan score 87 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 2.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 2.74% APR after 1.25% discount on new Auto Loans. Fixed rates, credit permitting. Terms up to 72 months.
Auto loan score 99 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 2.90%APRas low as
Terms
Call for details, conditions, or restrictions. Call about dealer matching program.
Auto loan score 99 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 2.95%APRas low as
Terms
Certain terms and conditions apply. Rates subject to change without notice.
Auto loan score 96 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low as
Terms
as low as 2.99%
Auto loan score 99 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 3.00%APRas low as · up to 18.00%
3.00% APR, up to 18.00%
Terms
Loan rates vary depending on credit score and collateral. Up to 0.50% in discounts available (.25% for payment protection, .25% for direct deposit).
Auto loan score 99 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 3.24%APRas low as
Terms
Approx loan payment $361.53 based on a $20,000 loan.
Auto loan score 99 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.24%APRas low as · up to 14.49%with conditions
3.24% APR, up to 14.49%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate listed includes all available discounts granted based on services used at the Credit Union. APR is risk-based and determined by credit score.
Auto loan score 99 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.24%APRas low as
Terms
New Model 2026 and Newer. Minimum Financing of $10,000 for 60 Months.
Auto loan score 99 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is 'low as 3.29%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount.
Auto loan score 98 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.32%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates are the lowest available and include a 0.25% discount for LTV < 90%, 0.25% auto-pay discount, and 0.25% checking with direct deposit discount. Model Year 2025-2026 / 2024 & Older.
Auto loan score 99 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.35%APRas low as · up to 18.00%
3.35% APR, up to 18.00%
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Requires 5+ years membership tenure (1.50% APR discount).
Auto loan score 99 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
Rates as low as 3.49% on new and used vehicles. Refinance offers 2% savings on current rate with a 3.49% floor rate. Subject to credit approval.
Auto loan score 99 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost nationwide
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank