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 16–30 of 36 in Washington, DC · median 5.10% APR
- 5.00%APRas low as
Terms
100% financing. Estimated payment: $18.88 per $1,000 borrowed.
Auto loan score 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 15.00%
5.00% APR, up to 15.00%
Terms
Loan Amount: Any, when approved
Auto loan score 77 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Loan amount Up to $25,000. Up to 125% of MSRP to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%).
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
Estimated monthly payment per $1,000 financed: $18.92. Take an additional 0.25% off approved rate with Autopay from internal Spectra account.
Auto loan score 75 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Fixed APR as low as 5.14% for terms of 49 to 60 months on 2025 models and newer; requires minimum $10,000 purchase price ($7,000 on promotional pages).
Auto loan score 75 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Rates as low as 5.150% APR. Rates are based on creditworthiness and not all borrowers will qualify for the lowest rate. Rate discount not included (0.25% rate reduction available with biweekly payments through payroll deduction).
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
APR as low as 5.19%. Monthly payment per $1,000 borrowed is $18.96. Rates, terms and conditions vary based on creditworthiness and qualifications.
Auto loan score 75 · Carrot Score 90
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 includes 0.25% discount for Signal Smart Plus members with automatic payment from their Signal account. For members not enrolled in Signal Smart Plus, add 0.25% APR. Minimum credit score 580. Minimum loan amount $5,000.
Auto loan score 69 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Payment example calculated with a loan amount of $25,000 is $474.17/mo. Rate based on creditworthiness and term of loan.
Auto loan score 77 · Carrot Score 78
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 - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 16.50%
5.49% APR, up to 16.50%
Terms
10% down payment
Auto loan score 81 · Carrot Score 65
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
Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle.
Auto loan score 72 · Carrot Score 89
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 - 5.54%APRas low as
Terms
Floor / as low as APR for new and used vehicles up to 5 years old. Model years 2016-2021 are 1% higher; model years <= 2015 are 2% higher. No payment required for 60 days (interest accrues). Refinance of existing NASA FCU loan requires $1,000 cash out and minimum $5,000. No prepayment penalties.
Auto loan score 72 · Carrot Score 93
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
36 banks and credit unions · checked Oct 16–22
- Typical
- 5.10%
- Top 10% up to
- 4.27%
- Banks, typical
- 5.77%
- Credit unions, typical
- 5.00%
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