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 1–5 of 5 in Waynesville, NC metro · median 4.49% APR
- 3.99%APRas low as
Terms
Rates as low as 3.99% APR. Terms from 36 to 84 months. Limited time offer of no payments for 90 days available (interest still applies). Rates subject to change and dependent upon credit score and qualifications.
Auto loan score 94 · Carrot Score 89
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 - 4.49%APRas low as · up to 15.99%
4.49% APR, up to 15.99%
Terms
Rates based on type of loan, amount of loan and credit worthiness. Rate and term based on evaluation of credit.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rates starting as low as 5.75% APR and flexible terms up to 96 months. Minimum loan amount $5,000. Not all applicants will qualify for the lowest rate or longest term.
Auto loan score 68 · Carrot Score 74
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
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 Waynesville, NC metro
5 banks and credit unions · checked Oct 22
- Typical
- 4.49%
- Top 10% up to
- 4.09%
- Banks, typical
- 6.39%
- Credit unions, typical
- 4.37%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Waynesville, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- State Employees' Credit UnionCredit union · 1 branch
- Telco Community Credit UnionCredit union · 1 branch
- Mountain Credit UnionCredit union · 1 branch