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 1546–1560 of 2,911 nationwide · median 5.00% APR
- 5.09%APRas low as
Terms
Rate is 'as low as' 5.09% APR for terms up to 84 months. Rates vary based on creditworthiness and other factors.
Auto loan score 81 · Carrot Score 79
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
Term 49 - 72 months. Quoted at 80% Loan to Value.
Auto loan score 81 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Auto loan score 81 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Model Year 2024 – 2026
Auto loan score 81 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Autos 2018 - Newer. Payment per $1,000 borrowed based on maximum term is $18.92/mo.
Auto loan score 81 · Carrot Score 82
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
Daily periodic rate 0.0139% to 0.0493%
Auto loan score 77 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Rates start as low as 5.09% APR. Up to 100% financing dependent on vehicle type and creditworthiness. Additional .10% off qualifying loan rates when payments are made by direct deposit, ACH or automatic transfer.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Rates are subject to change & based on an individual’s credit history.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Fixed rate type. Financing up to 125%. Rates subject to change, based on credit worthiness. Certain restrictions may apply.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate for new and used auto loans up to 60 months; requires automatic payments from an FFCU account and 2 qualifying relationships. Estimated payment of $18.92 per $1,000 borrowed for 60 months.
Auto loan score 76 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
New vehicles (model years 2025-present). As low as APR.
Auto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Fixed rate. Advertised 'As Low As' APR applies to terms up to 72 months. Rates vary based on term. First payment may be due up to 90 days from closing/application date.
Auto loan score 76 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
49 to 60 months. Standard Rate APR.
Auto loan score 75 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as · up to 15.34%
5.09% APR, up to 15.34%
Terms
Subject to 0.50% rewards discount. Rate based on creditworthiness.
Auto loan score 73 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2027 - 2023 New or Used. Max. Term 60 Months. Min. Loan Amount $2,500. Max. Financing 125%. Rate includes 0.50% Member Loyalty Discount.
Auto loan score 69 · Carrot Score 88
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