Compare Bank & Credit Union Rates
Best auto loan rates in West 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 47 in West Virginia · median 5.20% APR
- 3.24%APRas low as
Terms
New Model 2026 and Newer. Minimum Financing of $10,000 for 60 Months.
Auto loan score 99 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Eastern Panhandle Federal Credit UnionNew Vehicle and Motorcycle · up to 60 months
Credit union · 1 branch
4.24%APRas low as · up to 11.24%4.24% APR, up to 11.24%
Terms
Rates range across Beacon Score tiers: Tier A (700+) at 4.24% to Tier D (629 & Less) at 11.24%.
Auto loan score 91 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
New/Used Auto (2024-NEWER) 49-60 months (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Model years 2026-2025. Rate as low as 4.24% APR.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
100% Financing. Rates as low as.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
2024 & newer
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rates as low as.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New car rates as low as 4.25% for 5 years (60 months) with automatic payments.
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.30%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Peoples Preferred Club enrollment (0.50% discount) and Pre-Approval (0.25% discount). Rate is based on approved credit and subject to change with length of term and credit rating.
Auto loan score 87 · Carrot Score 77
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
With qualifying credit and direct deposit with automatic payment.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
2024-2026 Vehicle Loans. Rates as low as 4.49% APR. Interest rate based on credit score. Terms based on dollar amount financed. Loan subject to credit approval. Rate subject to change without notice.
Auto loan score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 11.25%
4.50% APR, up to 11.25%
Terms
Credit score 730+ (Platinum) for lowest APR; 549 or less (E) for highest APR. May receive a 0.25% discount if loan payment is payroll deduction or autopay.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates may vary based upon individual credit worthiness.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates are based on individual credit worthiness. Rates Subject To Change Without Notice.
Auto loan score 87 · Carrot Score 79
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 West Virginia
47 banks and credit unions · checked Oct 16–22
- Typical
- 5.20%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.39%
- Credit unions, typical
- 4.87%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
West Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 1 branch
- First Peoples Community Federal Credit UnionCredit union · 2 branches
- WEPCO Federal Credit UnionCredit union · 2 branches