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 24 in Greenville, SC metro · median 5.11% APR
- 3.95%APRas low as · up to 15.49%with conditions
3.95% APR, up to 15.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APRs of 3.95% require auto-pay and a 72-month term or less on vehicles 5 years old or newer with less than 60,000 miles. Maximum term of 96 months available. Enjoy no payments for up to 90 days (not available for internal refinances).
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Greenville Heritage Federal Credit Union2026-2022 Vehicles Auto Loan · up to 60 months
Credit union · 3 branches
3.99%APRas low asTerms
60 Month Financing. Less than 50,000 miles, < 125% LTV. Specialty Vehicles may carry a supplement of up to 200 basis points. Rate based on creditworthiness.
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rate is 'as low as'. Subject to credit approval and individual creditworthiness. Estimated monthly payment of $22.58 per $1,000.00 borrowed for up to 48 months. A $15 loan application fee is charged for processing.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 16.29%with conditions
3.99% APR, up to 16.29%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% Loyalty Checking APR discount. Must have an active Loyalty Checking account at the time of loan funding to qualify.
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.32%APRas low as
Terms
New (current or previous model year with 30,000 miles or less). Rate as low as stated. Example based on $30,000 loan for 48 months ($678.37/month) and processing fee of $50.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates listed are best available based on approved credit. 37 - 60 months.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - Duke Credit UnionAutos/Trucks New/Used 8 Years Old or Newer · up to 60 months
Credit union · 1 branch
4.50%APRas low as · up to 15.00%with conditions4.50% APR, up to 15.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available on auto loans for 60 months or less. Auto must be 8 years old or newer. Rate includes 0.25% discount for automatic payments or payroll deduction. Subject to creditworthiness and member qualification.
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate stated is best rate as of October 15th, 2026, for qualified borrowers. Other rates and terms may be available based on qualifications or collateral used. Minimum loan amounts required; subject to credit approval.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as rate based on approved credit.
Auto loan score 82 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as 4.74% APR for 60 months or less.
Auto loan score 82 · Carrot Score 79
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
Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher.
Auto loan score 79 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Terms up to 60 months.
Auto loan score 79 · Carrot Score 81
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 - 5.24%APRas low as
Terms
As low as APR. Rate discount available with automatic payment deduction from Simple Checking or Premium Checking. No down payment required.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 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 71 · Carrot Score 75
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 Greenville, SC metro
24 banks and credit unions · checked Oct 22
- Typical
- 5.11%
- Top 10% up to
- 3.99%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Greenville, SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 1 branch
- Greenville Heritage Federal Credit UnionCredit union · 3 branches
- CPM Federal Credit UnionCredit union · 3 branches