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 Waterbury, CT metro · median 5.50% APR
- 4.49%APRas low as
Terms
Rates shown are the lowest rates available. Actual rate may vary and can be higher based on creditworthiness. Terms shown are the best terms available. One-time processing fee of $85.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For model years 2027-2025. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $18.75 per $1,000 borrowed.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: New, Unregistered
Auto loan score 78 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
125% financing of selling price including tax, title, warranty and conveyance fees.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% APR for 5 years term.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 83 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2019-2025. Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
Auto loan score 79 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - Pitney Bowes - Employees Federal Credit UnionAuto Loan Rates for Models 2022 or Newer · up to 60 months
Credit union · 1 branch
5.50%APRas low asTerms
Minimum loan amount: $8,000
Auto loan score 72 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest advertised APR of 5.50% is available for a 48-month loan term when borrower qualifies for all three available rate discounts: borrower is a current NSFCU member, automatic payment is established from a NSFCU account (0.25% discount), and loan-to-value (LTV) is less than 80% (0.25% discount). Available terms up to 84 months.
Auto loan score 68 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.62%APRas low as
Terms
Financing available up to 100% of purchase cost. Term is 5 years/60 months. Minimum loan amount $1,000. Rates as low as 5.615% APR.
Auto loan score 66 · 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 - Waterbury CT Teachers Federal Credit UnionAuto New or Used 2021 - 2026 · up to 84 months
Credit union · 1 branch
5.95%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Car Only. Monthly repayment of $14.59 per $1000 borrowed. Rate reflects a discount of .25% for automatic payroll deduction, direct deposit or automatic transfer from shares.
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Assumes qualification for lowest interest rate based on creditworthiness. Monthly payment per $1,000 is $19.56. Schedule-wide APR range is 4.99% - 10.99% depending on creditworthiness and repayment term. Vehicle must be less than two years old.
Auto loan score 64
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 Waterbury, CT metro
18 banks and credit unions · checked Oct 16–22
- Typical
- 5.50%
- Top 10% up to
- 4.75%
- 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.
Waterbury, CT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MSCUCredit union · 3 branches
- Police Credit Union of CTCredit union · 1 branch
- CSE Credit UnionCredit union · 1 branch