Compare Bank & Credit Union Rates
Best auto loan rates in North Carolina
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 65 in North Carolina · median 4.99% APR
- 3.50%APRas low as
Terms
Floor rate for new vehicles is 3.50% APR; terms up to 84 months, minimum term 60 months; minimum amount financed $15,000. Offer is up to 1.00% APR off current or offered and verified APR. Rate based on risk-based pricing, credit score, amount financed, collateral, and loan term.
Auto loan score 97 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.65%APRas low as
Terms
Rate determined by term; up to 120% financing; terms up to 84 months.
Auto loan score 96 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low as
Terms
Promotional rate on new and used vehicles. Promotion expires October 30, 2026. Minimum auto loan amount is $10,000. Subject to credit approval. Election of no payment for up to 60 days available. Existing Nova CU auto loans excluded. Must be member in good standing.
Auto loan score 96 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 8.75%
3.99% APR, up to 8.75%
Terms
Finance up to 125% of MSRP for new vehicles. Max term 84 months. Minimum monthly payment $125.
Auto loan score 94 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rates as low as 3.99% APR. Terms from 36 to 84 months. Limited time offer of no payments for 90 days available (interest still applies). Rates subject to change and dependent upon credit score and qualifications.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
New Vehicles. Maximum term for lowest rate is 60 months (terms up to 5 years). Up to 125% financing available.
Auto loan score 91 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.15%APRas low as
Terms
As low as APR based on creditworthiness, loan term, vehicle age, and underwriting factors. Maximum APR is 18.00%.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 7.50%
4.25% APR, up to 7.50%
Terms
New auto loan; 60-month term; 10,000 miles or less.
Auto loan score 90 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - Vision Financial Federal Credit UnionNew Auto (Less than 10,000 miles) · up to 72 months
Credit union · 3 branches
4.25%APRas low asTerms
Rate as low as. For new autos with less than 10,000 miles. Interest rate determined by Equifax Beacon Score on date of loan closing.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.26%APRas low as
Terms
Lowest rates offered for the products advertised based on $30,000 financed with a 48-month term and loan to value <= 80%. Terms available up to 84 months.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 5.99%
4.49% APR, up to 5.99%
Terms
Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher.
Auto loan score 89 · Carrot Score 95
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 North Carolina
65 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.03%
- Banks, typical
- 5.94%
- 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.
North Carolina
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 17 branches
- Langley Credit UnionCredit union · 1 branch
- ElecTel Cooperative Federal Credit UnionCredit union · 5 branches