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 31–45 of 65 in North Carolina · median 4.99% APR
- 4.99%APRas low as
Terms
Rates presented as low as.
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.00%
4.99% APR, up to 16.00%
Terms
Fixed APR. As low as 4.99%.
Auto loan score 80 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as based on creditworthiness.
Auto loan score 78 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 8.50%
5.00% APR, up to 8.50%
Auto loan score 78 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 8.25%
5.00% APR, up to 8.25%
Terms
Current or Prior Year - less than 10,000 miles
Auto loan score 77 · Carrot Score 97
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 - 5.23%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 - 5.24%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
Auto loan score 77 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union · 1 branch
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
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 - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% rate concession for enrollment in automatic loan payments. Specific rate based on term and creditworthiness.
Auto loan score 69 · Carrot Score 86
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 - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance.
Auto loan score 69 · Carrot Score 75
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