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 1516–1530 of 2,911 nationwide · median 5.00% APR
- 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 60 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account.
Auto loan score 72 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 10.00%with conditions
5.00% APR, up to 10.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Tier A through E; applies to automatic payment or payroll deduction; add 0.50% for other payment options. GAP insurance required for 100% financing.
Auto loan score 72 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Auto loan score 71 · Carrot Score 64
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
Advertised 5.00% APR for 60 months. Footnote indicates rate is derived by discounting 6.00% APR with a 0.25% discount for automatic payments and a 0.25% discount for a 20% down payment (footnote text references 5.50% APR / 5.00% APR). Monthly payments at 5.50% APR for 60 months are $575.49 per $30,000 borrowed. Actual rates depend on credit history and loan terms.
Auto loan score 70 · 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
New vehicles only. Rate shown includes a 1/4% discount for payment by payroll deduction or automatic transfer from your DECU account. Rates are based on credit qualifications.
Auto loan score 63 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.02%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2024 – 2025. Credit score 700+ with automatic payment from UNB Bank deposit account (add 0.25% without auto-pay). Monthly payment example: $18.88 per $1,000 borrowed.
Auto loan score 72 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Fixed rate as low as 4.75%. APR based on excellent credit.
Auto loan score 82 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Model years 2026-2024. Preferred Member rate (0.25% discount): must be current on existing debt (no loans past due), have minimum par share ($5) in Main Share account, no accounts in negative, and no outstanding fees owed.
Auto loan score 82 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Minimum APR of 5.04% applies. Rates vary based on loan term, age of vehicle, and individual creditworthiness. Qualifying criteria apply.
Auto loan score 82 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Monthly payment $18.10 per $1,000.
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Rates as low as 5.04%. Financed up to 84 months. Qualification is based on an assessment of individual creditworthiness and underwriting standards. Rate fixed for term of loan. No prepayment penalties.
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Cross Valley Federal Credit UnionNew / Used Car, Truck, SUV Loan (2021 - 2026) · up to 60 months
Credit union
5.04%APRas low asAuto loan score 80 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2022 & newer. Rate includes 0.25% Auto Pay discount with automatic payment.
Auto loan score 77 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024 or newer. Reflects 0.25% auto-pay discount.
Auto loan score 77 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% discount for auto pay from a CCFCU checking or savings account. Promotion includes no payments for 60 days. Rates as low as 5.04% APR.
Auto loan score 72 · Carrot Score 93
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