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 31–45 of 77 in Washington, DC-VA-MD-WV metro · median 5.00% APR
- 4.87%APRas low as · up to 17.99%
4.87% APR, up to 17.99%
Terms
APR ranges between 4.87% to 17.99% based on credit. Loan amounts up to $20,000. Flexible terms up to 72 months. Applies to new or used vehicles (model years 2016-2025). Maximum LTV 90%.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR. Best rate; rate varies depending on credit score, model year, and term of loan. Applies to refinanced auto loans from another lender and new/used dealer purchases. Includes 60-day payment deferment based on eligibility.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Patent and Trademark Office CUNew Automobile greater than $75,000 · 60–84 months
Credit union · 1 branch
4.99%APRas low as · up to 7.49%4.99% APR, up to 7.49%
Terms
Amount financed 125.00%. Rate based on evaluation of credit history. Max. finance amt. $150,000.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 77 · Carrot Score 85
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 of $5,000. Includes 0.25% Direct Deposit discount.
Auto loan score 75 · Carrot Score 97
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
Term up to 60 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount.
Auto loan score 73 · 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
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 - 5.00%APRas low as
Terms
100% financing. Estimated payment: $18.88 per $1,000 borrowed.
Auto loan score 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 15.00%
5.00% APR, up to 15.00%
Terms
Loan Amount: Any, when approved
Auto loan score 77 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Prince George's Community Federal Credit UnionNew and Used Auto Loan · 37–72 months
Credit union · 4 branches
5.10%APRas low asTerms
Tier-based pricing according to credit rating; minimum rate offered.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Loan amount Up to $25,000. Up to 125% of MSRP to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%).
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
Estimated monthly payment per $1,000 financed: $18.92. Take an additional 0.25% off approved rate with Autopay from internal Spectra account.
Auto loan score 75 · Carrot Score 81
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 - Arlington Community Federal Credit UnionNew Car Loans (Model Year 2025-2027) · up to 60 months
Credit union · 4 branches
5.14%APRas low asTerms
Minimum loan amount $10,000.
Auto loan score 75 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Fixed APR as low as 5.14% for terms of 49 to 60 months on 2025 models and newer; requires minimum $10,000 purchase price ($7,000 on promotional pages).
Auto loan score 75 · Carrot Score 72
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