Compare Bank & Credit Union Rates
Best auto loan rates in Roanoke, 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 1–8 of 8 in Roanoke, VA · median 5.50% APR
- 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New or used vehicles. Based on creditworthiness and auto draft from SVACU account.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 14.99%
4.99% APR, up to 14.99%
Terms
Model Year 2023 - current (all vehicle types).
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 18.00%
5.00% APR, up to 18.00%
Terms
Minimum loan amount for term of 96 months is $25,000. Rate based on member's creditworthiness, term, and collateral value. Optional debt protection not included.
Auto loan score 82 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
APR varies depending upon credit qualifications and selected terms. Up to 84 months to repay. On qualifying direct auto loans or external refinances, payments may be deferred for 90 days from closing (interest accrues during deferral). Offer valid on auto loans not currently financed with Freedom First.
Auto loan score 66 · Carrot Score 72
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 - 6.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible.
Auto loan score 61 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low as
Auto loan score 61 · Carrot Score 94
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 Roanoke, VA
8 banks and credit unions · checked Oct 22
- Typical
- 5.50%
- Top 10% up to
- 4.73%
- Banks, typical
- 6.39%
- Credit unions, typical
- 5.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Roanoke, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Beacon Credit UnionCredit union · 2 branches
- Blue Eagle Credit UnionCredit union · 4 branches
- SalemVA Credit UnionCredit union · 3 branches