Compare Bank & Credit Union Rates
Best auto loan rates in Cleveland, TN
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 1–6 of 6 in Cleveland, TN · median 4.44% APR
- 3.90%APRas low as · up to 9.90%
3.90% APR, up to 9.90%
Auto loan score 92 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Fixed rate. Lowest available rate; actual rate may be higher depending on credit score.
Auto loan score 91 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as · up to 15.99%
4.39% APR, up to 15.99%
Terms
Within 3 most recent model years and less than 25,000 miles. Finance up to 135% of MSRP or NADA Retail.
Auto loan score 87 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 85 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 11.25%
5.99% APR, up to 11.25%
Terms
Never been titled or 60 days after financing with a dealership.
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.01%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.005% APR on loans for new or pre-owned cars and trucks with terms up to 84 months. Based on highest credit tier; includes 0.25% autopay discount and $175 processing fee. Example given for 2025 or newer vehicle, 60-month term on $20,000 loan at 5.64% interest rate (6.005% APR).
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 Cleveland, TN
6 banks and credit unions · checked Oct 5–15
- Typical
- 4.44%
- Top 10% up to
- 3.94%
- Banks, typical
- 6.00%
- Credit unions, typical
- 4.39%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Cleveland, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bowater Credit UnionCredit union · 2 branches
- Tennessee Valley Federal Credit UnionCredit union · 3 branches