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.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 1501–1515 of 2,911 nationwide · median 5.00% APR
- 5.00%APRas low as
Terms
2026-2027 year models
Auto loan score 75 · Carrot Score 87
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 - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated monthly payment of $18.87 per $1,000 borrowed. Includes 0.25% autopay discount.
Auto loan score 75 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Final rates are determined based on credit score and other factors.
Auto loan score 75 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
New (Current year)
Auto loan score 75 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Starting at 5.00% Annual Percentage Rate
Auto loan score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 9.00%
5.00% APR, up to 9.00%
Terms
Up to 60 month financing. Based on credit score.
Auto loan score 73 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 14.75%
5.00% APR, up to 14.75%
Terms
Model year 2016 and newer. Credit score tiers: A (700-799) 5.0% to D (below 500) 14.75%. Tier A+ (800+) reduces A rate by 0.50% (not below 1.5%). Add 1.0% to all categories to increase term to 72 months; add 1.5% to all categories to increase term to 84 months. Add 0.50% for vehicles over 100,000 miles.
Auto loan score 73 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 12.25%
5.00% APR, up to 12.25%
Terms
Tiered by credit rating: A+ (775+): 5.00%, A (700-774): 5.60%, B (650-699): 7.00%, C (600-649): 9.75%, D (550-599): 12.25%. Call for credit scores 549 or less.
Auto loan score 73 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
- 5.00%APRas low as
Terms
Published rates are for qualified borrowers. Rates are subject to change without notice. Some restrictions may apply.
Auto loan score 73 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 73 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Natural Resources Conservation Service FCUNew Auto Loans (2025 or 2024 Year Model with Mileage Not to Exceed 5,000 Miles - Otherwise - Used Vehicle) · up to 72 months
Credit union
5.00%APRas low as · up to 15.25%5.00% APR, up to 15.25%
Terms
Does not include available discounts. Rate based on creditworthiness and term of loan.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Rates listed are as low as depending on credit score.
Auto loan score 73 · Carrot Score 71
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
Auto Pay rate
Auto loan score 72 · Carrot Score 81
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