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 19 in Provo, UT metro · median 5.24% APR
- 4.74%APRas low as
Terms
On approved credit (oac). As low as rate. Stated for 3-5 year term.
Auto loan score 87 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.74% fixed APR. Advertised rate includes a 0.25% rate discount for 2023 or newer vehicle with <=90% LTV. Loan terms are based on creditworthiness and subject to approval.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate for 60 months. Best available rate; individual rate may be higher depending upon creditworthiness, vehicle age, mileage and title status. OAC.
Auto loan score 83 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2020 and Newer. 84k miles max. Approx payment $18.98 per $1,000.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle year: 2017 - Newer; Fixed APR; Rate based on creditworthiness and term of loan
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $18.87 per $1,000 borrowed.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Vehicles. Vehicle model years 2017–2026. Rate is advertised as as-low-as with footnote noting actual rate may be higher based on individual circumstances. Stated rate does not include discount.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 79 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as APR based on approved credit and underwriting conditions. Max term available 60 months; terms may vary based on vehicle year and amount borrowed. Minimum loan amount $2,000.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 5.24% APR. Terms up to 84 months for new and used vehicles. Rate match may not be combined with 0.50% rate discount for Dream Auto loans; requires Dream Rewards Checking and automatic payments or Home Banking and E-Statements.
Auto loan score 79 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking. Best rates available on new/used vehicle purchases and refinanced loans from other financial institutions; rate may be higher based on credit history, eligibility and underwriting criteria.
Auto loan score 73 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. 60 monthly payments of $18.98 per $1,000 borrowed.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 18.00%with conditions
5.25% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 60 months across Credit Grades A+ through E (FICO 730+ down to <549). Rate includes 0.25% loan rate discount with Personal Checking. 2022 and newer vehicles qualify for lowest promotional rate. Direct vehicle loans only on approved credit.
Auto loan score 77 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as · up to 15.09%
5.65% APR, up to 15.09%
Terms
Model years 2021-2026. Rate based on credit history.
Auto loan score 71 · Carrot Score 65
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 Provo, UT metro
19 banks and credit unions · checked Oct 15–22
- Typical
- 5.24%
- Top 10% up to
- 4.94%
- Banks, typical
- 6.38%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Provo, UT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- America First Credit UnionCredit union · 14 branches
- Deseret First Credit UnionCredit union · 2 branches
- Cyprus Credit UnionCredit union · 1 branch