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 76–90 of 94 in Virginia · median 5.00% APR
- 5.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024. Loan amount $20,000. Available to well-qualified borrowers; includes a 0.25% discount with qualifying checking account. Not available to refinance existing Dollar Bank loans.
Auto loan score 66 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Subject to membership length, credit score, and credit approval. Loans in A or B tier may have up to 0.50% buy down rate based on additional products/services. Vehicles with 120,000 miles or more add 0.50% to rate. Vehicles 8 years and older may be classified as other collateral. Never titled.
Auto loan score 66 · Carrot Score 61
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 - 5.85%APRas low as
Terms
Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available.
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.90%APRas low as
Terms
2025 Model Year and Newer
Auto loan score 64 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Promotional as low as rate.
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rate is 'as low as' 5.99% APR. Rates are dependent on credit score, credit history, loan term, and underwriting factors. Subject to credit approval.
Auto loan score 66
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 - 5.99%APRas low as
Auto loan score 66 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 14.99%
5.99% APR, up to 14.99%
Terms
60 month financing requires a minimum advance of $5,000.00. 60 monthly payments of $19.57 per $1,000 financed at 5.99% APR.
Auto loan score 64 · 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 - 6.25%APRas low as
Terms
Rates as low as 6.25% APR determined by member credit. Eligible for discount with automatic payments. Maximum terms up to 84 months.
Auto loan score 64 · Carrot Score 78
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 - 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
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