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 24 in Middlesex County, NJ · median 5.59% APR
- 3.99%APRas low as
Terms
New vehicles. For loans over $30,000. Rate based on credit history, collateral, and loan characteristics.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a 0.50% discount on electronic payment from a United Teletech Checking Account and a 0.25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR. Flexible loan terms up to 84 months.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Requires 5%-40% down payment.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Base rate for qualified borrowers.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - ILA Local 1235 Federal Credit UnionNEW AUTO - 100% DEALER INVOICE · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Rate varies based on credit score. Up to 100% dealer invoice financing. Subject to change without notice.
Auto loan score 80 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Loan amounts of $14,999 or lower have a maximum term of 60 months. Loan of $15,000 or higher have a maximum term of 84 months. APR as low as 5.00%.
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account.
Auto loan score 76 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as 5.24% APR quoted for the lowest tier, if qualified. Rates may vary and are subject to change. Up to 100% financing available.
Auto loan score 79 · Carrot Score 63
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 - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects A FICO score of 680 or higher and 1.00% reduction for automatic payment.
Auto loan score 72 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% reduction for automatic payments from an Affinity account.
Auto loan score 66 · Carrot Score 95
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 - 5.75%APRas low as
Terms
Rate starts at 5.75% APR for 60 months. Subject to credit approval and creditworthiness. Vehicle condition: New & Used. Stated fee: $99.00 auto loan processing fee.
Auto loan score 68
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
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 Middlesex County, NJ
24 banks and credit unions · checked Oct 16–22
- Typical
- 5.59%
- Top 10% up to
- 4.65%
- Banks, typical
- 6.14%
- Credit unions, typical
- 5.12%
How does your bank’s rate compare?
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New York, NY-NJ metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union · 1 branch
- BTG Pactual Bank, National AssociationBank · 1 branch
- USALLIANCE FinancialCredit union · 3 branches