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 61–75 of 94 in Virginia · median 5.00% APR
- VECU Credit UnionNew/ Used Vehicle Loans (2021 and newer, includes motorcycles) · 61–66 months
Credit union · 2 branches
5.24%APRas low as · up to 17.00%with conditions5.24% APR, up to 17.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates include maximum Relationship Reward Discount. Risk-based pricing based on creditworthiness and other factors.
Auto loan score 73 · Carrot Score 82
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
Auto loan score 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Signature Federal Credit UnionNew Auto and Motorcycle Loans · up to 60 months
Credit union · 1 branch
5.25%APRas low asTerms
Estimated payment $18.99 per $1,000 Financed.
Auto loan score 72 · Carrot Score 93
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
Minimum of $7,000 loan. Monthly payment per $1,000 borrowed is $23.00 - $20.00.
Auto loan score 74 · Carrot Score 88
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
Auto loan score 73 · Carrot Score 84
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 - 5.54%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 - 5.54%APRas low as · up to 16.74%
5.54% APR, up to 16.74%
Terms
Model year 2025 - Newer.
Auto loan score 68 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.55%APRas low as
Terms
New Autos (upcoming, current & previous vehicle model years - under 10,000 miles). As low as rate.
Auto loan score 67 · Carrot Score 88
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 - 5.69%APRas low as
Terms
Special promotional rate. 2026 model year. Maximum 80% LTV.
Auto loan score 71 · Carrot Score 83
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
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