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 47 in West Virginia · median 5.20% APR
- 4.50%APRas low as
Terms
Rates as low as 4.50%. Up to 84 mo. term.
Auto loan score 85 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Alloy Federal Credit UnionAll secured Loans (Autos,Boats, Motorcycles) · up to 60 months
Credit union · 2 branches
4.75%APRas low as · up to 7.49%4.75% APR, up to 7.49%
Terms
Credit score range: 730+ (Platinum) to 600-639 (C). Grades D and E are NA.
Auto loan score 87 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
(A+) 725+ credit score rating. 2024, 2025, 2026 models (never titled). Rates subject to 0.25% discount for auto payment.
Auto loan score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates may be as low as 4.75%. All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle.
Auto loan score 80 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
95% LTV or less; Up to 72 months
Auto loan score 83 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Credit Score above 740; Fixed rate
Auto loan score 77 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 13.00%
5.00% APR, up to 13.00%
Terms
Rates based on Experian Credit Score (A+ 760+ at 5.00% to E 534-450 at 13.00%)
Auto loan score 75 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as
Terms
Value based on Retail / NADA. Subject to approval based upon creditworthiness, qualifications and collateral conditions.
Auto loan score 75 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as for new autos.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 8.99%
5.24% APR, up to 8.99%
Auto loan score 73 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 73 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 72 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - West Virginia Federal Credit UnionNew/Used Auto & Harley Davidson 2023 & Newer · up to 62 months
Credit union · 2 branches
5.31%APRas low asTerms
Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction.
Auto loan score 71 · Carrot Score 74
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
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 West Virginia
47 banks and credit unions · checked Oct 16–22
- Typical
- 5.20%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.39%
- Credit unions, typical
- 4.87%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
West Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityAmerica Credit UnionCredit union · 1 branch
- First Peoples Community Federal Credit UnionCredit union · 2 branches
- WEPCO Federal Credit UnionCredit union · 2 branches