Compare Bank & Credit Union Rates
Best auto loan rates in Wallingford, CT
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 22 in South Central Connecticut Planning Region, CT · median 5.24% APR
- 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for automatic payment from a GE Credit Union account. Rate determined by credit history and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates shown are the lowest rates available. Actual rate may vary and can be higher based on creditworthiness. Terms shown are the best terms available. One-time processing fee of $85.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For model years 2027-2025. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $18.75 per $1,000 borrowed.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Loan special until 12/31/2026. Starting APR based on credit score. Maximum Loan to Value of 115% NADA Book Value.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
With 700 Credit Score or above. Term 5 Year.
Auto loan score 82 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
125% financing of selling price including tax, title, warranty and conveyance fees.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% APR for 5 years term.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Unity Financial Credit UnionNew Autos: 2025 - 2026, Demos < 10,000 Miles · up to 60 months
Credit union · 3 branches
4.99%APRas low asTerms
Terms of Repayment Example: 60 monthly payments of $18.87 per $1,000 borrowed at 4.99% APR.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Lowest available APR based on credit score, term, and membership status. New car purchases only; vehicle model year 2019 or newer. Subject to credit approval.
Auto loan score 78 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR for platinum credit and loan amount of $25,000; includes 0.25% Auto Pay discount with Ellafi FCU checking.
Auto loan score 73 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as APR. Rates are valid as of October 1, 2026 and subject to change. Rates may vary based on terms as well as credit history. 0% to 20% down payment; terms between 36 and 84 months; new or used cars.
Auto loan score 79 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate is listed as 'as low as 5.25 % APR*'.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: 2025 - 2027. Rate includes 0.25% Auto Pay discount from an AEFCU checking account.
Auto loan score 72 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model year 2025 & Newer. APR as low as.
Auto loan score 73 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest advertised APR of 5.50% is available for a 48-month loan term when borrower qualifies for all three available rate discounts: borrower is a current NSFCU member, automatic payment is established from a NSFCU account (0.25% discount), and loan-to-value (LTV) is less than 80% (0.25% discount). Available terms up to 84 months.
Auto loan score 68 · Carrot Score 87
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 South Central Connecticut Planning Region, CT
22 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.74%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
New Haven, CT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- USALLIANCE FinancialCredit union · 1 branch
- MSCUCredit union · 1 branch
- Affinity Federal Credit UnionCredit union · 1 branch