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 1576–1590 of 2,911 nationwide · median 5.00% APR
- 5.14%APRas low as · up to 17.20%
5.14% APR, up to 17.20%
Terms
APR based on credit and risk score (5.14% for Excellent credit to 17.20% for Low / No score). APR may increase based on vehicle age or mileage: add 0.50% APR for vehicles more than 3 years old; add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
For model years 2023 and newer. Credit score requirement: 751+ (A+).
Auto loan score 81 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR reflects 0.10% discount with automatic funds transfer from a St. Mary's Bank Checking account; 0.25% discount when loan amount is 80% or less of MSRP/Retail Value and vehicle has 100,000 miles or fewer. APR increased by 1.00% for vehicles with 100,001+ miles. APR based on $10,000 financed.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Payment per $1,000 is $18.94. Includes maximum 0.30% APR Relationship Pricing Program discount.
Auto loan score 78 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Monthly payment of $18.94 per thousand borrowed.
Auto loan score 77 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - Arlington Community Federal Credit UnionNew Car Loans (Model Year 2025-2027) · up to 60 months
Credit union
5.14%APRas low asTerms
Minimum loan amount $10,000.
Auto loan score 76 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Fixed APR as low as 5.14% for terms of 49 to 60 months on 2025 models and newer; requires minimum $10,000 purchase price ($7,000 on promotional pages).
Auto loan score 76 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 84 months & up to 130% of NADA Retail Value. Rate listed is 'As Low As' and includes discounts for term, loan to value and credit score. Subject to credit approval.
Auto loan score 76 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 90% LTV; assumes discounts for Auto Pay & Direct Deposit.
Auto loan score 75 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
New Never Titled (2026-2025). Rates based on creditworthiness.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
As low as APR for terms 37 - 60 months. APR and loan approval based on creditworthiness, loan term, loan to value, and age of collateral. Refinancing of existing 1st Ed loans does not qualify.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
APR as low as 5.15%. Maximum term up to 84 months based on various factors including amount financed. Deferred payments up to 90 days available for qualified borrowers.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Auto loan score 81 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Rates as low as 5.150% APR. Rates are based on creditworthiness and not all borrowers will qualify for the lowest rate. Rate discount not included (0.25% rate reduction available with biweekly payments through payroll deduction).
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Model years 2023 and newer. Fixed APR as low as rate. Rates may change based on loan term and credit score. Processing fee applies and will increase the Annual Percentage Rate.
Auto loan score 81 · Carrot Score 84
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