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 31–45 of 94 in Virginia · median 5.00% APR
- 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 - 4.75%APRas low as
Terms
Model Years 2026 or newer. Rate starts at stated APR based on credit score. Loyalty discount of .25% off current rate with net pay direct deposit.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
APR varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Fixed rates on new and used vehicles; refinancing available.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Promotional rate as low as 4.99% APR valid on auto, truck, motorcycle, RV and camper loans only. Vehicles must be 2019 model year or newer. Limited time offer. Requires automatic payment or payroll deduction payment. Not all members may qualify.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 17.49%
4.99% APR, up to 17.49%
Terms
New & Used / Refinance (from other lender). Rate determined by credit qualifications. Up to 60 months.
Auto loan score 83 · Carrot Score 84
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 - Vantage Point Federal Credit UnionNew & Used Vehicle Rates ( 10 Years & Newer) · up to 84 months
Credit union · 1 branch
4.99%APRas low asTerms
As low as rate for new & used vehicles (10 years & newer). Based on approved credit; rate may vary based on credit score, credit term, and underwriting standards. Subject to change without prior notice.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Daily Periodic Rate is .0137. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel.
Auto loan score 80 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 1st Advantage Federal Credit UnionNew Auto Loans (Models 2024 and Newer) · up to 60 months
Credit union · 12 branches
4.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Patent and Trademark Office CUNew Automobile greater than $75,000 · 60–84 months
Credit union · 1 branch
4.99%APRas low as · up to 7.49%4.99% APR, up to 7.49%
Terms
Amount financed 125.00%. Rate based on evaluation of credit history. Max. finance amt. $150,000.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 77 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Auto loan score 77 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Minimum loan of $5,000. Includes 0.25% Direct Deposit discount.
Auto loan score 75 · Carrot Score 97
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