Compare Bank & Credit Union Rates
Best auto loan rates in Arlington, VA
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 15 in Arlington, VA · median 5.50% APR
- 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 - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
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 - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit).
Auto loan score 85 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Arlington Community Federal Credit UnionNew Car Loans (Model Year 2025-2027) · up to 60 months
Credit union · 1 branch
5.14%APRas low asTerms
Minimum loan amount $10,000.
Auto loan score 75 · Carrot Score 70
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 - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle.
Auto loan score 72 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
Floor / as low as APR for new and used vehicles up to 5 years old. Model years 2016-2021 are 1% higher; model years <= 2015 are 2% higher. No payment required for 60 days (interest accrues). Refinance of existing NASA FCU loan requires $1,000 cash out and minimum $5,000. No prepayment penalties.
Auto loan score 72 · Carrot Score 93
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
Terms
Special promotional rate. 2026 model year. Maximum 80% LTV.
Auto loan score 71 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
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 - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · 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 Arlington, VA
15 banks and credit unions · checked Oct 16–22
- Typical
- 5.50%
- Top 10% up to
- 4.17%
- Banks, typical
- 6.00%
- Credit unions, typical
- 5.14%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches