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 46–60 of 62 in Minnesota · median 5.17% APR
- City & County Credit UnionNew Vehicle: model year 2026 - 2025 · up to 60 months
Credit union · 10 branches
5.44%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications.
Auto loan score 69 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Model years 2021 and Newer. APR as low as. Actual rate based on credit history, term, and LTV.
Auto loan score 74 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low as
Terms
Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term.
Auto loan score 71
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Year 2024 and newer. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $19.10 per $1,000 borrowed.
Auto loan score 70 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required.
Auto loan score 70 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as
Terms
Rate as low as quoted; rate based on creditworthiness and loan term. Lowest quoted rate requires meeting minimum credit score criteria.
Auto loan score 73 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.65%APRas low as
Terms
Current or previous year with less than 12,000; fixed APR; rates vary with credit score
Auto loan score 69 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 13.99%
5.74% APR, up to 13.99%
Terms
Model years 2023–Newer. APR range across credit score tiers C (600–639, 90% LTV, max $40,000) to A+ (730 & UP, 100% LTV, max $100,000). Best-credit rate 5.74% requires credit score 730 & UP.
Auto loan score 70 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
As low as 5.75% APR for new or used vehicles.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
Rate based on creditworthiness and loan term. 'Rates start at'.
Auto loan score 66 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
Rates start at stated APR.
Auto loan score 66 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - Pipefitters Steamfitters Credit UnionNew Vehicle 2023-Newer · up to 60 months
Credit union · 2 branches
5.75%APRas low asAuto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.81%APRas low as
Terms
Example based on borrowing $30,000 with a $249 loan processing fee (total loan amount $30,249) on a 5-year loan with an interest rate of 5.49% yielding 5.810% APR. Actual interest rate and APR may vary.
Auto loan score 69 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
Autos new to 2 years old. Quoted as lowest possible rate; actual rate based on credit history, down payment, term, and model year. Member eligibility required.
Auto loan score 67 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
Refinance offer rate as low as 5.99% APR. Disclosed rate based on credit score 740 and higher. Auto loans currently financed through BTCU cannot be refinanced with this offer. Optional 0.25% discount for automatic payments and no payments for 90 days available on approved credit.
Auto loan score 65 · Carrot Score 72
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 Minnesota
62 banks and credit unions · checked Nov 6
- Typical
- 5.17%
- Top 10% up to
- 4.49%
- Credit unions, typical
- 5.17%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Minnesota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid Minnesota Federal Credit UnionCredit union · 12 branches
- Greater Community CUCredit union · 4 branches
- Altra Federal Credit UnionCredit union · 4 branches