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 46–60 of 65 in North Carolina · median 4.99% APR
- 5.49%APRas low as
Terms
5 Year Payback. Up to 110% of Value.
Auto loan score 69 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
For qualified borrowers only. Subject to credit approval.
Auto loan score 69 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Auto loan score 68 · Carrot Score 82
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 - 5.69%APRas low as · up to 14.29%with conditions
5.69% APR, up to 14.29%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year 2023 and newer. Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid.
Auto loan score 71 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as · up to 16.00%
5.70% APR, up to 16.00%
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.99%
5.74% APR, up to 17.99%
Terms
Subsequent rate after 3-month promotional period for refinance loans. Rate determined based on credit history, model year, term, and location.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.00%
5.74% APR, up to 17.00%
Terms
Rates are based on credit score/history and number of rate discounts up to 0.75% (excluding promotions). Minimum share balance of $25.00 required.
Auto loan score 66 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rates starting as low as 5.75% APR and flexible terms up to 96 months. Minimum loan amount $5,000. Not all applicants will qualify for the lowest rate or longest term.
Auto loan score 68 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Auto loan score 66 · Carrot Score 98
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 - Acclaim Federal Credit UnionNew/Used Auto (2016-2026) & Motorcycle (2019-2026) · up to 60 months
Credit union · 1 branch
6.24%APRas low asTerms
Maximum term 60 months. Rate as low as 6.24% APR. Rate may include Auto Pay, Active Checking, and/or Fully Protected discounts.
Auto loan score 65 · Carrot Score 84
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 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