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 1–3 of 3 in Laconia, NH metro · median 5.34% APR
- 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates shown are APR accurate as of 10/07/2026 and subject to change without notice. Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier (example: 5.49% APR less .75% = 4.74%). Up to a .75% discount applied based on creditworthiness and checking account tier. New and Used auto rates are the same for vehicles up to 3 model years old. Collateral age and loan term may impact APR.
Auto loan score 73 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
Model Year: 2026 & Newer. Estimated monthly payment: $17.47 per $1,000. Rates as low as.
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 7.76%APRas low as
Terms
VSI Premium of $40; APR includes $75 processing fee; Vehicle Model Year: 2026 & 2025.
Auto loan score 61 · Carrot Score 70
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 Laconia, NH metro
3 banks and credit unions · checked Oct 22
- Typical
- 5.34%
- Top 10% up to
- 4.86%
- Banks, typical
- 7.76%
- Credit unions, typical
- 5.04%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Laconia, NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Service Credit UnionCredit union · 1 branch