Compare Bank & Credit Union Rates
Best auto loan rates in Hickory, 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 Hickory, NC · median 5.22% APR
- 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 - 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 - 5.19%APRas low as
Terms
Fixed rate. Rate applies to new or used vehicle purchase. Actual rate based on credit evaluation.
Auto loan score 80 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate is as low as 5.24% APR for term up to 72 months. Applies to new vehicles up to 1 year old and up to 20,000 miles.
Auto loan score 75 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 12.50%
5.25% APR, up to 12.50%
Auto loan score 72 · Carrot Score 78
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 - 5.64%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 - 6.39%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 Hickory, NC
10 banks and credit unions · checked Oct 22
- Typical
- 5.22%
- Top 10% up to
- 3.99%
- Banks, typical
- 5.64%
- Credit unions, typical
- 4.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Hickory, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nova Credit UnionCredit union · 1 branch
- State Employees' Credit UnionCredit union · 9 branches
- CS Credit UnionCredit union · 2 branches