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 1–7 of 7 in West Virginia · median 6.09% APR
- 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Special auto loan offer for terms up to 60 months. Available to qualified borrowers with a minimum credit score of 725. Includes 0.25% discount for Auto-Drafting loan payments from a First United account. All loans subject to credit approval. Accurate as of 10/26/2026.
Auto loan score 67
Rate checked · Auto loans rates on its site
More details - 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
More details - 6.09%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit ($870.81 monthly payment). 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. May not include a $195 loan origination fee for Indiana applications.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.12%APRas low as · up to 12.11%
6.12% APR, up to 12.11%
Terms
Fixed APR range for new car loans; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months. 30-day interest rate lock.
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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
More details - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details
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
7 banks and credit unions · checked Oct 22–Nov 13
- Typical
- 6.09%
- Top 10% up to
- 5.58%
- Banks, typical
- 6.09%
How does your bank’s rate compare?
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West Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Peoples Community Federal Credit UnionCredit union · 2 branches
- CommunityAmerica Credit UnionCredit union · 1 branch
- WEPCO Federal Credit UnionCredit union · 2 branches