Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 31 in Baltimore, MD metro · median 5.24% APR
- 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount.
Auto loan score 88 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 91 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
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
Rate reflects 'as low as' and includes 0.25% APR automatic payment discount.
Auto loan score 85 · Carrot Score 78
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
Monthly payment is $18.64 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments.
Auto loan score 85 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Advertised as 'as low as' rate.
Auto loan score 81 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment.
Auto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown are lowest available APRs based on creditworthiness and other underwriting criteria. Includes 0.50% APR discount for automatic payments established at loan origination. Est. payment $18.76 per $1,000.
Auto loan score 77 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Payment per $1,000 borrowed is $17.26 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts.
Auto loan score 79 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Loans up to $150,000 with any term up to 7 years. Some restrictions may apply.
Auto loan score 83 · Carrot Score 88
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
Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher.
Auto loan score 79 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Auto. Term 72 months or less. Rate subject to change; determined by credit evaluation.
Auto loan score 77 · Carrot Score 90
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 amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.00 per $1,000 borrowed.
Auto loan score 71 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.13%APRas low as
Terms
Monthly payment per $1,000 is $18.59.
Auto loan score 76 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 79 · Carrot Score 95
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 Baltimore, MD metro
31 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.25%
- 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.
Baltimore, MD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 15 branches
- Freedom Federal Credit UnionCredit union · 8 branches