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 1–7 of 7 in Harrisonburg, VA · median 5.19% APR
- 4.74%APRas low as
Terms
Rate shown for new or up to four years old auto or motorcycle, up to 60 months. Lowest current rate listed based on credit, collateral, and loan term.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 15.24%with conditions
4.74% APR, up to 15.24%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2025 and newer; rate represents credit score of at least 780, minimum $25,000, and automatic payments from a Park View Checking Account
Auto loan score 85 · Carrot Score 79
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 - 5.19%APRas low as · up to 13.89%
5.19% APR, up to 13.89%
Auto loan score 80 · Carrot Score 82
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 - 5.74%APRas low as
Terms
Rates as low as 5.74% APR. 100% financing with flexible terms up to 84 months available. Subject to credit approval. Vehicle model 10 years and newer, max mileage 125,000 miles.
Auto loan score 69 · Carrot Score 86
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 Harrisonburg, VA
7 banks and credit unions · checked Oct 16–22
- Typical
- 5.19%
- Top 10% up to
- 4.74%
- Banks, typical
- 6.02%
- Credit unions, typical
- 5.14%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Harrisonburg, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- EverenceCredit union · 1 branch