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 31–45 of 47 in West Virginia · median 5.20% APR
- First Choice America Community Federal Credit UnionNew Vehicle Financing · up to 60 months
Credit union · 6 branches
5.39%APRas low asTerms
100% financing.
Auto loan score 76 · Carrot Score 74
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 - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Standard rate as low as 5.49% APR for 60 months based on credit approval. Available for new and used vehicles.
Auto loan score 73 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Models 2024 And Newer. Creditworthiness determines rate and terms.
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Rates are based on credit score, so your rate may differ. Rates stated "as low as".
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 68 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Model year 2022 or 2023; required credit score 650; maximum amount 100% of retail.
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
2026 New Auto. Rates and terms may vary based upon individual credit worthiness.
Auto loan score 68 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - Metro Community Federal Credit UnionNew Auto, Truck & Van · up to 72 months
Credit union · 2 branches
5.89%APRas low asTerms
APR as low as stated. Subject to credit approval; terms depend on amount financed.
Auto loan score 65 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 9.99%
5.99% APR, up to 9.99%
Terms
APR is based on creditworthiness/credit score and may vary; advertised as low as 5.99% assumes excellent borrower credit history.
Auto loan score 64 · Carrot Score 66
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 - 6.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit score 751 and higher. Example based on $20,000 loan amount for 2026 or newer vehicle. $250 origination fee. APR based on automatic payments with Main Street Bank checking account.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Minimum loan amount $2,000. Rates accurate as of 10/1/26. Includes 0.25% discount for Auto-Drafting. All loans subject to credit approval. Up to 72 Months.
Auto loan score 62
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