Compare Bank & Credit Union Rates
Best auto loan rates in Colorado
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 46–60 of 63 in Colorado · median 5.49% APR
- 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as · up to 15.09%
5.65% APR, up to 15.09%
Terms
Model years 2021-2026. Rate based on credit history.
Auto loan score 71 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Stated APR is for well-qualified borrowers and applies to auto loans originated in Colorado. Rate varies based on credit history, loan term, loan-to-value, and age of auto. Membership qualification required.
Auto loan score 69 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Best Rate APR.
Auto loan score 69 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 14.24%
5.74% APR, up to 14.24%
Auto loan score 69 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 18.00%
5.74% APR, up to 18.00%
Terms
Paper A+ 53 (800 & Higher) through Paper E (<600). Stated APR ranges from 5.74% to 18.00% across credit score tiers.
Auto loan score 69 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 18.00%
5.74% APR, up to 18.00%
Terms
Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and whether the vehicle is new or used. Must have A or B credit to receive 90 days of no payments (negative amortization may occur). Terms available 6 to 84 months.
Auto loan score 69 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
5.99% APR fixed for loan amount of $15,000 or greater; purchases only; no prepayment penalties; subject to credit underwriting and credit approval.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Current and recent model year; for 66 months or less with LTV 80% or less and automatic payment discount.
Auto loan score 65 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Rates as low as 6.24% APR based on individual credit history and credit qualifications.
Auto loan score 65 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 16.49%with conditions
6.24% APR, up to 16.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes automatic payment and electronic document discount.
Auto loan score 63 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
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 Colorado
63 banks and credit unions · checked Oct 16–22
- Typical
- 5.49%
- Top 10% up to
- 4.78%
- Banks, typical
- 6.16%
- 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.
Colorado
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Altra Federal Credit UnionCredit union · 1 branch
- Canvas Credit UnionCredit union · 36 branches