Compare Bank & Credit Union Rates
Best auto loan rates in Tennessee
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 100 in Tennessee · median 4.99% APR
- 4.75%APRas low as
Terms
As low as 4.75% APR. Auto Purchase or Refinance - Get 2% less than your current rate or our best qualified rate.
Auto loan score 87 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate is As low As 4.75%. Financing up to 100% of Retail Value.
Auto loan score 86 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 14.75%
4.75% APR, up to 14.75%
Auto loan score 81 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as stated. Rates based on creditworthiness and age of collateral. Payment example is $14.13 per $1,000.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate is 'as low as' 4.99% APR for terms up to 84 months. Rates vary based on creditworthiness and other factors.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 12.50%
4.99% APR, up to 12.50%
Terms
Rates based on credit score.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 5.49%
4.99% APR, up to 5.49%
Terms
80% financing of J.D. Power Consumer Vehicle Values or MSRP on vehicles 10 years old or newer; stated rates for new to 2 years old; fixed rate.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 60 months. Some restrictions apply. All new auto loans not to exceed MSRP and all used auto loans not to exceed NADA retail.
Auto loan score 83 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% for 78 months. Refinance available with no payments in the summer.
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
60 months or less
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score.
Auto loan score 80 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Northeast Community Credit UnionNew or Used Cars and Trucks (2023-2026) · up to 60 months
Credit union · 4 branches
4.99%APRas low asTerms
Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts.
Auto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 17.00%
5.00% APR, up to 17.00%
Terms
Credit Rating A: 5.00% APR; Credit Rating B: 7.00% APR; Credit Rating C: 13.00% APR; Credit Rating D: 17.00% APR. Best rates listed; your rate may be higher depending on credit history, underwriting criteria and loan amount.
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Fixed APR as low as 5.00% for 1 to 60 months. Assumes excellent borrower credit history. Applicable to 2024-2027 model years with less than 10,000 miles. Optional 60-day deferred payment available. Payment example: $25,000 financed for 60 months at 5.00% fixed APR = 59 payments of $473.52 and a final payment of $473.27.
Auto loan score 78 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 16.00%
5.00% APR, up to 16.00%
Terms
60 months, up to 15,000 miles. Credit Score 850-750: 5.00%, 749-700: 5.50%, 699-650: 6.00%, 649-600: 11.00%, 599-500: 16.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less.
Auto loan score 75 · Carrot Score 86
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 Tennessee
100 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.08%
- Banks, typical
- 6.12%
- Credit unions, typical
- 4.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Tennessee
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 24 branches
- LGWFCUCredit union · 1 branch
- Bowater Credit UnionCredit union · 5 branches