Compare Bank & Credit Union Rates
Best auto loan rates in Saraland, 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 1–15 of 19 in Mobile County, AL · median 5.25% APR
- 4.24%APRas low as
Terms
Rate is as low as 4.24% APR. Terms up to 84 months depending on the age and mileage of the vehicle. Based on a $20,000 loan with a 4.24% APR for 36 months, estimated monthly payments are $593.
Auto loan score 93 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as
Terms
Rates are 'as low as' and subject to change without notice. Rates and terms subject to normal credit policies, creditworthiness, and age of collateral, miles, and value. Additional rate discounts available with automatic payments enrollment.
Auto loan score 91 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
Requires a minimum loan amount of $10,000.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
For 2024, 2025, 2026 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $17.94.
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.49%
4.74% APR, up to 17.49%
Terms
Rates vary based on evaluation of applicant's credit and loan term. Offers no payment for up to 90 days.
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 81 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Credit score 715+. Lowest available APR.
Auto loan score 78 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as
Terms
New and Used Autos, Trucks, and Vans. Term up to 63 Months. Monthly payment $18.11 per $1,000 borrowed. As low as APR based on creditworthiness, loan amount, model year, and term of loan. Maximum term of 60 months for vehicles over 125,000 miles.
Auto loan score 81 · Carrot Score 87
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 - 5.25%APRas low as
Auto loan score 73 · Carrot Score 80
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 - 5.49%APRas low as
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Up to 60 mo. Est. monthly payment $19.21 per $1,000. Current and previous year's models. Actual rates and terms vary based on credit history, loan amount, and collateral.
Auto loan score 67 · Carrot Score 89
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 Mobile County, AL
19 banks and credit unions · checked Oct 15–22
- Typical
- 5.25%
- Top 10% up to
- 4.56%
- Banks, typical
- 5.16%
- Credit unions, typical
- 5.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Mobile, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- AmFirstCredit union · 1 branch
- JM Associates FCUCredit union · 1 branch
- United BankBank · 1 branch