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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.

Vehicle
Institution
Type a ZIP code, city, county, metro area or state, then choose a suggestion with the arrow keys and Enter.

Top new-car loan rates

Showing 136–150 of 2,932 nationwide · median 5.00% APR

  1. First Missouri Credit UnionVehicle Loans

    Credit union

    3.99%APRas low as
  2. Top Carrot, Carrot Score 89
    Geismar Complex Federal Credit UnionNew Vehicle Loan · up to 84 months

    Credit union

    3.99%APRas low as
  3. Top Carrot, Carrot Score 95
    Governmental Employees Credit UnionAuto and Motorcycle Loans

    Credit union

    3.99%APRas low as
  4. Top Carrot, Carrot Score 95
    Greenville Heritage Federal Credit Union2026-2022 Vehicles Auto Loan · up to 60 months

    Credit union

    3.99%APRas low as
  5. Top Carrot, Carrot Score 99
    Hanscom Federal Credit UnionCar, Truck and SUV Loans · up to 66 months

    Credit union

    3.99%APRas low aswith conditions
  6. Top Carrot, Carrot Score 89
    Heritage USA Federal Credit UnionNew & Used Auto Loans

    Credit union

    3.99%APRas low as
  7. Top Carrot, Carrot Score 88
    Heritage Valley Federal Credit UnionAuto Loans · 49–60 months

    Credit union

    3.99%APRas low as
  8. Luso American Credit UnionAuto Loans

    Credit union

    3.99%APRas low as
  9. Top Carrot, Carrot Score 87
    Members Credit UnionNew & Used Automobile Loans · 6–84 months

    Credit union

    3.99%APRas low as · up to 8.75%
  10. Top Carrot, Carrot Score 88
    Montana Credit UnionAuto Loans (2023 and newer) · up to 60 months

    Credit union

    3.99%APRas low aswith conditions
  11. Top Carrot, Carrot Score 88
    ONE Credit UnionAuto Loans · 49–60 months

    Credit union

    3.99%APRas low as
  12. Top Carrot, Carrot Score 98
    Oakdale CUAuto – New · up to 60 months

    Credit union

    3.99%APRas low aswith conditions
  13. Top Carrot, Carrot Score 89
    Panhandle Credit UnionNew & Used Vehicles · 36–84 months

    Credit union

    3.99%APRas low as · up to 18.00%
  14. Top Carrot, Carrot Score 96
    Peach State Federal Credit UnionAuto Loan · 37–60 months

    Credit union

    3.99%APRas low as
  15. Top Carrot, Carrot Score 94
    Port City Credit UnionAuto and Motorcycle Loans · 49–60 months

    Credit union

    3.99%APRas low as

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 nationwide

2,932 banks and credit unions · checked Oct 15–22

Typical
5.00%
Top 10% up to
4.25%
Banks, typical
6.60%
Credit unions, typical
4.99%

How does your bank’s rate compare?

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Nationwide

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions

Auto loan rates by state