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 27 in Virginia Beach, VA-NC metro · median 5.09% APR
- 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 - 4.25%APRas low as · up to 7.50%
4.25% APR, up to 7.50%
Terms
New auto loan; 60-month term; 10,000 miles or less.
Auto loan score 90 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as
Terms
Model Year 2020 - Present. Rate is risk-based (as low as).
Auto loan score 91 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 12.00%
4.50% APR, up to 12.00%
Terms
Vehicle Type: New. Approximate Term: Up to 84 Months. Rate based on creditworthiness. Vehicle value based on MSRP or source approved by credit union.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX.
Auto loan score 80 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Model Years 2026 or newer. Rate starts at stated APR based on credit score. Loyalty discount of .25% off current rate with net pay direct deposit.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
APR varies according to credit history of applicant(s). All loans are subject to approval. Late payment fee is 5% of payment amount when more than 7 days late. Fixed rates on new and used vehicles; refinancing available.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 1st Advantage Federal Credit UnionNew Auto Loans (Models 2024 and Newer) · up to 60 months
Credit union · 11 branches
4.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
Auto loan score 79 · Carrot Score 83
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%
Auto loan score 77 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 15.50%
5.00% APR, up to 15.50%
Terms
80% financing. Rates vary by credit tier: Tier A: 5.00% APR, Tier B: 6.00% APR, Tier C: 12.00% APR, Tier D: 15.50% APR.
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as · up to 17.99%
5.09% APR, up to 17.99%
Terms
Daily periodic rate 0.0139% to 0.0493%
Auto loan score 76 · Carrot Score 69
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
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 Virginia Beach, VA-NC metro
27 banks and credit unions · checked Oct 16–22
- Typical
- 5.09%
- Top 10% up to
- 4.32%
- Banks, typical
- 5.74%
- 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.
Virginia Beach, VA-NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 18 branches
- PenFed Credit UnionCredit union · 1 branch
- State Employees' Credit UnionCredit union · 3 branches