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 25 in Birmingham, AL metro · median 5.00% APR
- 2.99%APRas low as
Terms
as low as 2.99%
Auto loan score 99 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 2.74%APRas low asunusually low · being checked
Terms
New Never Titled (2021-2022) schedule.
Auto loan score 94 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 3.00%APRas low asunusually low · being checked
Auto loan score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 21.95%
4.50% APR, up to 21.95%
Terms
Applies to New & Used Autos, Truck, Vans. Rates, discounts, and terms subject to change. Loans subject to credit and application approval. Relationship discounts (Auto Pay, Credit Life and Disability) or new vehicle discount may apply.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Terms up to 84 months. *Terms and conditions may apply.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
APR as low as 4.60%.
Auto loan score 88 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
Requires a minimum loan amount of $10,000.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
For 2024, 2025, 2026 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $17.94.
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate shown is as low as.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Current & prior 2 model years. Member credit score determines actual rate; published rates are as low as.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
A Rate; 61 months
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 18.00%
5.00% APR, up to 18.00%
Terms
Subject to credit approval.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000.
Auto loan score 81 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as
Terms
New and Used Autos, Trucks, and Vans. Term up to 63 Months. Monthly payment $18.11 per $1,000 borrowed. As low as APR based on creditworthiness, loan amount, model year, and term of loan. Maximum term of 60 months for vehicles over 125,000 miles.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
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 Birmingham, AL metro
25 banks and credit unions · checked Oct 22
- Typical
- 5.00%
- Top 10% up to
- 3.60%
- Banks, typical
- 5.34%
- Credit unions, typical
- 4.98%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Birmingham, AL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- ASE Credit UnionCredit union · 1 branch
- AOD Federal Credit UnionCredit union · 1 branch
- AmFirstCredit union · 17 branches