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 45 in Denver, CO metro · median 5.49% APR
- 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 as
Terms
Rates as low as 4.49% APR. Illustrative example: $10,000 loan for 96 months has approximate monthly payment of $125.55. Available for new vehicles only (previous year and newer model years with 30,000 or fewer miles).
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New or Used Auto; no payments for first 90 days
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Fidelis Catholic Credit UnionNew Vehicles (Cars & Trucks) · up to 84 months
Credit union · 4 branches
4.75%APRas low asTerms
Rate shown is 'as low as' and varies based on creditworthiness, loan-to-value ratio, term, collateral, and other underwriting factors.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Northern New Mexico School Employees Federal Credit UnionNew and Used Auto Under 10 Years · 49–60 months
Credit union · 1 branch
4.75%APRas low as · up to 18.00%4.75% APR, up to 18.00%
Terms
Credit score tiers: 740 and UP (4.75%), 700 - 739 (5.25%), 660 - 699 (6.25%), 620 - 659 (8.25%), 580 - 619 (14.5%), 540 - 579 (16%), 539 and less (18.00%).
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates are presented as low as and are subject to change. Requires application and approved credit. Auto rates and terms are subject to the amount of funds borrowed, year and value of vehicle, and length of loan.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Subject to credit approval; rate and payment determined by APR and term.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Blue Federal Credit UnionHybrid and Electric Vehicle (EV) Loans · up to 84 months
Credit union · 3 branches
4.99%APRas low asTerms
Rates as low as 4.99% APR. Includes 0.50% rate discount available on qualifying electric or hybrid vehicles (will not be below rate floor). Financing up to 84 months. Rates specific to ZIP 82001.
Auto loan score 73 · Carrot Score 62
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 - 5.14%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 84 months & up to 130% of NADA Retail Value. Rate listed is 'As Low As' and includes discounts for term, loan to value and credit score. Subject to credit approval.
Auto loan score 76 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Rates as low as 5.19% APR. With approved credit / credit eligibility required. 90 days no payments; interest continues to accrue during deferment period. Loan terms available up to 84 months. Rates subject to change without notice. Not valid with other offers or for existing Aurora FCU loans.
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
As low as 5.190% APR available on refinances from other institutions or new loans only. Subject to credit qualifications. Up to 72 months. Minimum auto loan is $1,000. Rate assumes LTV of 125% or less. Member conditions apply.
Auto loan score 80 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as · up to 21.00%
5.19% APR, up to 21.00%
Terms
Model Years 2023-2026. Rate varies based on personal credit history, underwriting factors, and eligible rewards. Terms longer than 63 months require a minimum finance amount.
Auto loan score 80 · Carrot Score 87
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 Denver, CO metro
45 banks and credit unions · checked Oct 16–22
- Typical
- 5.49%
- Top 10% up to
- 4.85%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.34%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Denver, CO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Colorado Federal BankBank · 1 branch
- Canvas Credit UnionCredit union · 22 branches
- Bellco Credit UnionCredit union · 21 branches