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 61–75 of 77 in Washington, DC-VA-MD-WV metro · median 5.00% APR
- Department of Commerce Federal Credit UnionVehicle/Truck Loans · up to 63 months
Credit union · 1 branch
5.64%APRas low asTerms
New vehicles: new and late model used vehicles (less than 1 year old) with 5,000 or fewer miles.
Auto loan score 71 · Carrot Score 76
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 - 5.69%APRas low as
Terms
Special promotional rate. 2026 model year. Maximum 80% LTV.
Auto loan score 71 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Rates as low as 5.74% APR. 100% financing with flexible terms up to 84 months available. Subject to credit approval. Vehicle model 10 years and newer, max mileage 125,000 miles.
Auto loan score 69 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Up to 135% of Car Value (Minimum $15,000).
Auto loan score 66 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 14.99%
5.99% APR, up to 14.99%
Terms
60 month financing requires a minimum advance of $5,000.00. 60 monthly payments of $19.57 per $1,000 financed at 5.99% APR.
Auto loan score 64 · Carrot Score 84
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 - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Mid-Atlantic Federal Credit UnionNew Auto Loan (New Car Only) · up to 96 months
Credit union · 3 branches
6.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate available; requires Auto Pay. New car only.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 6.49%APRas low as · up to 7.29%
6.49% APR, up to 7.29%
Terms
Rates for borrowers with strong credit. Loans over $70,000.00 add 0.75% to the rate.
Auto loan score 62 · Carrot Score 63
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 - 6.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible.
Auto loan score 61 · Carrot Score 81
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 Washington, DC-VA-MD-WV metro
77 banks and credit unions · checked Oct 16–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.32%
- 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.
Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches