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 1–6 of 6 in Blacksburg, VA metro · median 5.76% APR
- 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 - 4.99%APRas low as
Terms
Daily Periodic Rate is .0137. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel.
Auto loan score 80 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 16.74%
5.54% APR, up to 16.74%
Terms
Model year 2025 - Newer.
Auto loan score 68 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rate is 'as low as' 5.99% APR. Rates are dependent on credit score, credit history, loan term, and underwriting factors. Subject to credit approval.
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
APR varies depending upon credit qualifications and selected terms. Up to 84 months to repay. On qualifying direct auto loans or external refinances, payments may be deferred for 90 days from closing (interest accrues during deferral). Offer valid on auto loans not currently financed with Freedom First.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
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 Blacksburg, VA metro
6 banks and credit unions · checked Oct 22
- Typical
- 5.76%
- Top 10% up to
- 4.84%
- Banks, typical
- 6.39%
- Credit unions, typical
- 5.54%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Blacksburg, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Virginia Credit UnionCredit union · 3 branches