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.
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Top new-car loan rates
Showing 1486–1500 of 2,911 nationwide · median 5.00% APR
- 5.00%APRas low as · up to 8.25%
5.00% APR, up to 8.25%
Terms
Current or Prior Year - less than 10,000 miles
Auto loan score 77 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
APR as low as 5.00%. Available term up to 84 months. Rates are based on individual's creditworthiness.
Auto loan score 76 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 16.00%
5.00% APR, up to 16.00%
Terms
60 months, up to 15,000 miles. Credit Score 850-750: 5.00%, 749-700: 5.50%, 699-650: 6.00%, 649-600: 11.00%, 599-500: 16.00%. Rates lowered by 0.50% if loan-to-collateral value is 80% or less.
Auto loan score 76 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Cars, Pickups. Fixed rates as low as 5.00% APR. Rates subject to credit approval and vary based on credit, payment history, and repayment period. Stated rate includes a 0.25% discount for members with an active checking account and a 0.25% discount with automatic repayment.
Auto loan score 76 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Maximum loan amount: $20,000.00-$29,999.99. Actual rate based on credit history and score.
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Maximum term 72 months. Rates posted are base rates and may be higher depending on credit score and term.
Auto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% Purchase Price. Rate includes 0.25% reduction for automatic payments from Motion account.
Auto loan score 76 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
This Vehicle Loan Rate applies to current and previous year.
Auto loan score 76 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 5.00% APR. Auto & recreational promo rate requires active direct deposit and automatic payment. All loan rates are based on individual creditworthiness.
Auto loan score 76 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Rates as low as stated; determined after application is submitted and processed.
Auto loan score 76 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Credit Score: A+ (750 & Higher)
Auto loan score 76 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 7.00%
5.00% APR, up to 7.00%
Auto loan score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment is $18.91 per $1,000 based on maximum term of 60 months. Subject to credit approval. Reduced rate with automatic payment from a FKCB checking account.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
New 2025–2027 model.
Auto loan score 75 · Carrot Score 67
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 nationwide
2,911 banks and credit unions · checked Oct 22–25
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.62%
- 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.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank