Compare Bank & Credit Union Rates
Best auto loan rates in Bear, DE
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 16 in New Castle County, DE · median 5.49% APR
- Franklin Mint Federal Credit UnionAuto Loans – 2024-2027 Model Year · 1–72 months
Credit union · 2 branches
4.99%APRas low asTerms
Tier 1 credit rate. Estimated monthly payment is $16.11 per $1,000 borrowed for 72 months.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model Years 2024-2027
Auto loan score 79 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New Autos are the three most recent model years. Subject to credit approval. Terms up to 84 months. Financing up to 130%.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 75 months; minimum loan $10,000. APR as low as 5.24% for highly credit-qualified borrowers. Stated APR includes 0.25% autopay discount from a Sun East checking account. Same product applies to new or used vehicles.
Auto loan score 79 · 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 - 5.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as. Rate includes up to 0.50% discount for direct deposit and auto pay from Del-One checking account. Additional 0.25% Green Auto Discount for Electric Vehicle, Hybrid, Fuel Cell, Plug-In Hybrid Electric Vehicle or Tesla.
Auto loan score 75 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.47%APRas low as
Terms
Annual Percentage Rate As Low As 5.47%. Rates may vary based on term and creditworthiness.
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New 2026-2027; Monthly payment per $1,000 borrowed: $19.09
Auto loan score 69 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reduced APR as low as 5.49% requires Automatic Payment scheduled from a Priority Plus FCU Checking Account. Financing up to 100% MSRP for qualified members.
Auto loan score 69 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 17.75%
5.50% APR, up to 17.75%
Terms
Rates based on credit history/score. Preferred borrower rates apply. Offer not available for existing American Spirit FCU Auto Loans.
Auto loan score 72 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 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 - 5.75%APRas low as
Terms
Model year 2026-2022.
Auto loan score 68 · Carrot Score 89
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 - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 7.34%APRas low as · up to 13.59%with conditions
7.34% APR, up to 13.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For new and used 1-3 year old automobiles not exceeding 125% LTV. Minimum loan amount $2,500.
Auto loan score 61 · Carrot Score 78
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 New Castle County, DE
16 banks and credit unions · checked Oct 16–22
- Typical
- 5.49%
- Top 10% up to
- 5.24%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.47%
How does your bank’s rate compare?
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Philadelphia, PA-NJ-DE-MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Freedom Credit UnionCredit union · 4 branches
- HEFCUCredit union · 1 branch
- Self Reliance Financial Federal Credit UnionCredit union · 4 branches