Compare Bank & Credit Union Rates
Best auto loan rates in Gastonia, NC
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 1–10 of 10 in Gastonia, NC · median 5.28% APR
- 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 - 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 - 4.74%APRas low as
Terms
Rate stated is best rate as of October 15th, 2026, for qualified borrowers. Other rates and terms may be available based on qualifications or collateral used. Minimum loan amounts required; subject to credit approval.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Credit Scores 780 & Higher.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
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 - 5.54%APRas low as · up to 16.74%
5.54% APR, up to 16.74%
Terms
Model year 2025 - Newer.
Auto loan score 68 · Carrot Score 85
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 - 6.00%APRas low as
Terms
Rate is as low as 6.00% APR based on creditworthiness. Vehicle must be prior year, current year, or upcoming year model with 15,000 miles or less, and never previously titled.
Auto loan score 63 · Carrot Score 91
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
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 Gastonia, NC
10 banks and credit unions · checked Oct 15–22
- Typical
- 5.28%
- Top 10% up to
- 4.22%
- Banks, typical
- 5.49%
- Credit unions, typical
- 4.86%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Charlotte, NC-SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 13 branches
- Allegacy FinancialCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 2 branches