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 15 in Hagerstown, MD-WV metro · median 5.50% APR
- Bulldog Federal Credit UnionSecured (Car/Truck/SUV) Vehicle Loans · 49–84 months
Credit union · 6 branches
4.00%APRas low asTerms
Variable rate. 'As low as' rate for members with excellent credit. $0 down payment required. 84-month term requires vehicle loans of $25,000 or more. Minimum APR for variable rate secured financing is 3.25% APR (except for promotions); maximum APR is 18%. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Eastern Panhandle Federal Credit UnionNew Vehicle and Motorcycle · up to 60 months
Credit union · 1 branch
4.24%APRas low as · up to 11.24%4.24% APR, up to 11.24%
Terms
Rates range across Beacon Score tiers: Tier A (700+) at 4.24% to Tier D (629 & Less) at 11.24%.
Auto loan score 91 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - Washington County Teachers Federal Credit UnionNew Vehicle · up to 60 months
Credit union · 3 branches
4.25%APRas low asTerms
Model year 2025-2026.
Auto loan score 92 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Credit Score above 740; Fixed rate
Auto loan score 77 · Carrot Score 62
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 - 5.50%APRas low as
Terms
Rates are based on credit score, so your rate may differ. Rates stated "as low as".
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 68 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low as
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Minimum loan amount $2,000. Rates accurate as of 10/1/26. Includes 0.25% discount for Auto-Drafting. All loans subject to credit approval. Up to 72 Months.
Auto loan score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low as
Terms
As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term up to 63 months.
Auto loan score 62 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 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
Rates and branches - 6.92%APRas low as
Terms
Brand New, Previously Untitled vehicles. Maximum term 72 months. Estimated monthly payment $170.11 based on a $10,000 loan amount. A 0.25% discount is available for automatic debit from an AmeriServ deposit account.
Auto loan score 61 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 7.34%APRas low as · up to 13.59%with conditions
7.34% APR, up to 13.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For new and used 1-3 year old automobiles not exceeding 125% LTV. Minimum loan amount $2,500.
Auto loan score 61 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 7.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 7.79% APR for terms up to 72 months. Borrow up to $25,000. Includes autopay discount.
Auto loan score 60 · Carrot 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 Hagerstown, MD-WV metro
15 banks and credit unions · checked Oct 16–22
- Typical
- 5.50%
- Top 10% up to
- 4.24%
- Banks, typical
- 6.76%
- Credit unions, typical
- 5.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Hagerstown, MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Washington County Teachers Federal Credit UnionCredit union · 3 branches
- 167th TFR Federal Credit UnionCredit union · 2 branches
- Bulldog Federal Credit UnionCredit union · 6 branches