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 94 in Virginia · median 5.00% APR
- 4.39%APRas low as
Terms
Model Year 2020 - Present. Rate is risk-based (as low as).
Auto loan score 91 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval. Example Payment (per $1,000): $85.31.
Auto loan score 88 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - Argent Credit UnionNew & Used Cars / Trucks / SUV / Motorcycles · 49–66 months
Credit union · 8 branches
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is 'as low as'. Assumes excellent credit, LTV <= 125%, model year 2015 or newer, and includes a 0.25% discount for an approved automated payment method.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit).
Auto loan score 85 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Virginia State University Federal Credit UnionNew Vehicles & Motorcycles Model Year 2021-2025 · up to 84 months
Credit union · 1 branch
4.49%APRas low as · up to 12.49%4.49% APR, up to 12.49%
Terms
Model Year 2021-2025. Up to 84 Months.
Auto loan score 85 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay.
Terms
Rates as low as 4.49% APR assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount): 0.50% discount for an approved automated payment method, 0.50% discount for loan-to-value (LTV) that is 100% or less, and 0.50% Loyalty discount for members who have had a loan with us within the last five years or membership history of 10+ years. Repayment terms up to 84 months for vehicle model year 2014 or newer.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 10.25%
4.50% APR, up to 10.25%
Terms
Auto Year 2023-2025; 100% NADA Retail
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 12.00%
4.50% APR, up to 12.00%
Terms
Vehicle Type: New. Approximate Term: Up to 84 Months. Rate based on creditworthiness. Vehicle value based on MSRP or source approved by credit union.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX.
Auto loan score 80 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
100% financing (includes taxes, tags & extended warranties); maximum term up to 60 months; maximum loan amount $100,000. Quoted rate is the best/lowest rate.
Auto loan score 85 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 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 12.24%
4.74% APR, up to 12.24%
Terms
Rates accurate as of October 15, 2026 and are subject to change. Collateral type New Auto. Term 36 - 120 months. APR refers to Annual Percentage Rate; listed rates are our best rates and your rate may be higher depending on credit history, underwriting criteria and loan amount. Payment example is based on $20,000 for 75 months.
Auto loan score 85 · Carrot Score 88
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 - 4.74%APRas low as · up to 17.49%
4.74% APR, up to 17.49%
Terms
Rates vary based on evaluation of applicant's credit and loan term. Offers no payment for up to 90 days.
Auto loan score 85 · Carrot Score 88
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 Virginia
94 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.24%
- Banks, typical
- 6.00%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- Langley Credit UnionCredit union · 19 branches
- EagleBankBank · 3 branches