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 1561–1575 of 2,911 nationwide · median 5.00% APR
- 5.10%APRas low as
Terms
As low as rate. Rate based on credit history.
Auto loan score 81 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
Tier-based pricing according to credit rating; minimum rate offered.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
APR as low as 5.10% for terms up to 84 months with minimum loan amount of $20,000.00.
Auto loan score 77 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as · up to 7.70%
5.10% APR, up to 7.70%
Terms
Credit rating tiers: A+ (5.10%), A (5.15%), B (5.45%), C (7.70%).
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Loan amount Up to $25,000. Up to 125% of MSRP to include tax, tags, warranties and GAP. Rates include discounts for automatic payment and discounts under the Member Loyalty Program (total rate discounts cannot exceed 1.50%).
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
New car. Rates as low as stated; based on applicant's credit worthiness. Credit union finances 100% of the sticker price to qualified applicants.
Auto loan score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as · up to 16.35%
5.10% APR, up to 16.35%
Terms
Secured loan; Beacon Score 720+ for 5.10%, 554 & below for 16.35%
Auto loan score 75 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
Fixed APR. Rate as low as 5.10%. Rate based on credit history; actual rate may be higher. Example: 36 mths @ 5.10% = $30.01 per month per $1,000.00.
Auto loan score 75 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
Estimated monthly payment per $1,000 financed: $18.92. Take an additional 0.25% off approved rate with Autopay from internal Spectra account.
Auto loan score 75 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.11%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026 & Newer; 66 months; advertised rate based off top tier credit qualifications, platinum checking and automatic payment discounts, 100.00% LTV or less.
Auto loan score 76 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.13%APRas low as
Terms
Monthly payment per $1,000 is $18.59.
Auto loan score 77 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Rates as low as 5.14% APR* for vehicle loans.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
New & Used 2019-2026. Rate is as low as 4.99%. APR example based on loan amount of $20,000 and max term stated.
Auto loan score 81 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Approximate term up to 10 yrs. Terms greater than 84 months have a minimum loan amount of $60,000 with a maximum Loan To Value of 100%. Example APR of 5.14% based on term of 24 months with estimated monthly payment of $43.94 per $1,000.00 borrowed. Loan to value up to 125%. Standard rate; rate may vary depending on credit history and underwriting factors.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
APR as low as based on creditworthiness and underwriting standards. Up to 0.50% rate discount for all-electric/plug-in electric vehicles and switching to eStatements.
Auto loan score 81 · Carrot Score 87
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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank