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 1531–1545 of 2,911 nationwide · median 5.00% APR
- 5.05%APRas low as
Terms
Rate disclosed is based on a highly qualified credit candidate and may vary. Stated rate as low as 4.49%. A $175 doc prep fee applies. Additional discounts may be available. Example: A $15,000 vehicle loan with no down payment will be paid in 48 months with a payment of $345.75 at the disclosed APR.
Auto loan score 77 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as
Terms
New and Used Autos, Trucks, and Vans. Term up to 63 Months. Monthly payment $18.11 per $1,000 borrowed. As low as APR based on creditworthiness, loan amount, model year, and term of loan. Maximum term of 60 months for vehicles over 125,000 miles.
Auto loan score 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as
Terms
APR may be adjusted based on individual credit standing and term.
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as · up to 11.05%
5.05% APR, up to 11.05%
Terms
Term: 5 years. FICO rate tiers: 730+ FICO is 5.05% APR; 690-729 FICO is 5.55% APR; 650-689 FICO is 7.05% APR; 610-649 FICO is 9.05% APR; <610 FICO is 11.05% APR.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as · up to 9.80%
5.05% APR, up to 9.80%
Terms
APR varies by credit score (750+ to Under 600)
Auto loan score 81 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as
Terms
APR as low as stated rate.
Auto loan score 81 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate. Includes 0.50% special discount for having direct deposit or automatic payments AND 0.25% discount for LTV (loan to value) of 80% or lower MSRP.
Auto loan score 77 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.06%APRas low as
Terms
Vehicle age 0-2 years. On approved credit.
Auto loan score 82 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.08%APRas low aswith conditions
This rate needs autopay.
Terms
APR as low as 5.08%, interest rate as low as 4.99%. Minimum value / financing amount $15,000.
Auto loan score 77 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.08%APRas low as
Terms
Calculations based on a $30,000 loan amount and a $249 processing fee.
Auto loan score 77 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as · up to 15.84%with conditions
5.09% APR, up to 15.84%
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Model year 2024 & newer. Term 60 months. Qualified credit. Rates as low as shown.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Rates as low as 5.09% APR. Rates are dependent on creditworthiness, term, loan to value, and additional factors. Up to 84-month term available.
Auto loan score 81 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as · up to 17.99%
5.09% APR, up to 17.99%
Terms
For qualified borrowers only. Rates vary based on credit score.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Applies to 2024 & newer models. APR as low as 5.09% based on creditworthiness.
Auto loan score 81 · Carrot Score 77
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