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 18 in Trenton, NJ metro · median 5.29% APR
- 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character.
Auto loan score 93 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.59%APRas low as · up to 14.69%
3.59% APR, up to 14.69%
Terms
Rate is determined by credit risk score; 30% down for lowest rate; additional .25% discount if payroll deducted.
Auto loan score 96 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as 4.74% APR for terms up to 84 months.
Auto loan score 82 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Subject to credit approval; payment per $1,000 borrowed is $18.87. Payment example: A $20,000 loan at 4.99% APR with a term of 5-years would result in 60 monthly payments of $377.33.
Auto loan score 83 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 10.99%
4.99% APR, up to 10.99%
Terms
Best rate requires credit score of 700 and above; rates up to 10.99% for credit score 499 and below with Board Approval and Co Applicant.
Auto loan score 78 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate. Other rates and terms apply.
Auto loan score 78 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Rates are subject to change & based on an individual’s credit history.
Auto loan score 77 · Carrot Score 73
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
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 79 · Carrot Score 95
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 · up to 6.50%
5.50% APR, up to 6.50%
Terms
Credit score 600+. Standard Financing across credit tiers (720+: 5.50%, 660-719: 6.00%, 600-659: 6.50%).
Auto loan score 68 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% reduction for automatic payments from an Affinity account.
Auto loan score 66 · Carrot Score 95
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 - 6.19%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Relationship Premium APR as low as with 0.30% discount included. Up to 60 months.
Auto loan score 65 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
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 Trenton, NJ metro
18 banks and credit unions · checked Oct 16–22
- Typical
- 5.29%
- Top 10% up to
- 3.76%
- Banks, typical
- 6.24%
- 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.
Trenton, NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 1 branch
- HEFCUCredit union · 1 branch