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 16–30 of 77 in Washington, DC-VA-MD-WV metro · median 5.00% APR
- 4.49%APRas low as
Terms
Rates shown are premium loan rates based on credit and collateral/retail value.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
*APR as low as. Rates quoted assume excellent borrower credit history.
Auto loan score 88 · Carrot Score 76
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
Includes 0.25% discount for automatic transfer payments.
Auto loan score 85 · Carrot Score 87
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
Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit).
Auto loan score 85 · Carrot Score 85
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 - 4.49%APRas low as
Terms
80% financing with terms up to 60 months. Rates apply to new vehicles of the current or previous model year.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
100% financing. Rates as low as 4.50% APR (or 3.50% APR with eligible Loan Rate Discount Program reductions).
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - USPS Federal Credit UnionHybrid & Electric Vehicles Auto Loan · up to 84 months
Credit union · 2 branches
4.50%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.50% APR with Relationship Rewards. 0.25% off regular auto loan rates for hybrid and electric vehicles. Terms up to 84 months.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
APR as low as based on credit evaluation. Minimum loan amount $5,000. Maximum term up to 60 months (over $5,000).
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
100% financing (includes taxes, tags & extended warranties); maximum term up to 60 months; maximum loan amount $100,000. Quoted rate is the best/lowest rate.
Auto loan score 85 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Auto loan score 87 · Carrot Score 89
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 APR for highly qualified applicants. Includes 0.25% discount for automatic-debit of loan payment from NIHFCU savings or checking account.
Auto loan score 81 · Carrot Score 84
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
Includes 0.25% discount for automatic payments and 0.25% for payment protection.
Auto loan score 77 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Monthly Payment per $1,000 is $18.81
Auto loan score 86 · Carrot Score 89
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 Washington, DC-VA-MD-WV metro
77 banks and credit unions · checked Oct 16–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.32%
- 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.
Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches