Compare Bank & Credit Union Rates
Best auto loan rates in Decatur, AL
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–6 of 6 in Decatur, AL · median 5.24% APR
- 4.49%APRas low as · up to 5.49%
4.49% APR, up to 5.49%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Fixed APR as low as 5.00% for 1 to 60 months. Assumes excellent borrower credit history. Applicable to 2024-2027 model years with less than 10,000 miles. Optional 60-day deferred payment available. Payment example: $25,000 financed for 60 months at 5.00% fixed APR = 59 payments of $473.52 and a final payment of $473.27.
Auto loan score 78 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model Year 2026 – 2023
Auto loan score 77 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
Rates as low as 5.34% APR. Loan example: $30,000.00 at 5.34 APR for 60 months = $570.85 per month.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
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 in Decatur, AL
6 banks and credit unions · checked Oct 22
- Typical
- 5.24%
- Top 10% up to
- 4.74%
- Banks, typical
- 5.34%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Decatur, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nucor Employee's Credit UnionCredit union · 1 branch