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 21 in Wichita, KS · median 5.50% APR
- 4.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.70% include a 0.25% discount for automatic payments from an Andover State Bank checking account. Rate could increase if automatic payment is canceled at any time during the term of the loan. Offer valid through 09/30/2026.
Auto loan score 86 · Carrot Score 78
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
Limited time offer. Assumes a credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay.
Auto loan score 83 · Carrot Score 87
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 New to 2022. Up to 63 Months. As low as rate; includes 0.25% discount for automatic electronic loan payment or 20% down payment (discounts cannot be combined). Actual rate based on credit history and vehicle mileage.
Auto loan score 79 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
New 2025–2027 model.
Auto loan score 75 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Up to 60 months
Auto loan score 72 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With AutoPay (automatic deposit from a WFCU account). Automatic payment (AutoPay) discount available. Rate shown as 5.35% on auto loans page and 4.99% on rates summary page.
Auto loan score 76 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Lowest possible APR based on credit and underwriting for qualified borrowers. 72 month-term eligible on vehicles with loan amounts greater than $30,000. For 2021 or newer automobiles.
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model year 2025–2015; 60-month term; APR as low as based on creditworthiness.
Auto loan score 73 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 5.99%
5.49% APR, up to 5.99%
Terms
New Vehicles 2024-2025. Base Rate.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Subject to credit score and year of vehicle. Floor rate is 2.99%.
Auto loan score 72 · Carrot Score 68
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
APR includes 1.73% discount for auto debit from any USB Checking account (rate could increase if auto payment is cancelled, balance does not support payments, or account is closed). APR of 5.50% based on 7.00% interest rate less discount for 60 months, $25,000 principal balance and $142.50 in loan fees. Requires credit score of 680 or higher.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 16.65%with conditions
5.54% APR, up to 16.65%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle: 2024 and Newer, 79,999 miles or less; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (5.54% APR, 4.95% contract rate) to 609 or lower (16.65% APR, 16.00% contract rate)
Auto loan score 72 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest possible APR for qualified borrowers with credit score 750 or above, collateral LTV less than 100%, 2012 or newer model vehicle, total amount financed of $41,000, and all applicable rate discounts applied. Stated interest rate is 5.50%. Payment example: financed amount $41,000 includes 59 payments of $786.79 and 1 payment of $786.46.
Auto loan score 68 · Carrot Score 78
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 - 5.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Based on approved credit for up to 60 months on 2021-2026 models and newer. Including discounts, rate floor is 5.99% APR.
Auto loan score 65 · Carrot Score 71
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 Wichita, KS
21 banks and credit unions · checked Oct 16–22
- Typical
- 5.50%
- Top 10% up to
- 4.99%
- Banks, typical
- 5.86%
- Credit unions, typical
- 5.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Wichita, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Campus Credit UnionCredit union · 1 branch
- Credit Union of AmericaCredit union · 10 branches
- Capitol FederalBank · 9 branches