Compare Bank & Credit Union Rates
Best auto loan rates in Virginia
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 1–15 of 94 in Virginia · median 5.00% APR
- 3.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New Auto Purchase (Never Titled), term 49-60 months. Includes maximum rate reduction discount of 1.50% APR.
Auto loan score 93 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
Approx term Up to 60 Months. APR as low as 3.74%.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
New Auto ('26 or Newer). Up to 120% amount. Payment per $1,000 is $16.58- $29.40.
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Applicable to 2024-2026 model year vehicles for terms up to 66 months. Lowest rate assumes base APR of 5.49% minus maximum discounts (0.25% Hybrid/EV, 0.25% Active Military/First Responder, up to 1.00% for LTV below 60%) and credit score 700+.
Auto loan score 94 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - Call Federal Credit UnionNew Car Loans: 2022 – Newer Model Years · 49–60 months
Credit union · 8 branches
3.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Assumes top-tier credit and maximum discount.
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for automatic payment from a GE Credit Union account. Rate determined by credit history and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.15%APRas low as
Terms
As low as APR based on creditworthiness, loan term, vehicle age, and underwriting factors. Maximum APR is 18.00%.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.20%APRas low as · up to 14.75%
4.20% APR, up to 14.75%
Terms
New/Used Vehicle rate schedule. Rates are fixed for life of loan unless otherwise noted. Subject to credit approval.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
For New & Used Auto Loans (Models 2021 - 2026)
Auto loan score 91 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate reflects eligibility for all possible discounts (including maximum relationship discount of up to 0.50% with auto pay from a USSFCU account and online/mobile banking login). Estimated monthly payment as low as $185.10 based on $10,000 balance.
Auto loan score 88 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
As low as 4.34% APR. Rate based on creditworthiness.
Auto loan score 91 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
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 Virginia
94 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.24%
- Banks, typical
- 6.00%
- 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.
Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- Langley Credit UnionCredit union · 19 branches
- EagleBankBank · 3 branches