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 1591–1605 of 2,911 nationwide · median 5.00% APR
- 5.15%APRas low as
Terms
80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments.
Auto loan score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
APR as low as 5.15%. Fixed rate. Actual rate will be based on credit history and underwriting guidelines. Example: monthly payment for a new vehicle loan of $15,000.00 and a 60-month term at 5.15% APR would be approximately $284.12.
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Advertised starting APR for new or used vehicles. Rates increase for vehicles over 100,000 miles or more than 7 years old (or more than 6 years old per rates schedule). Based on creditworthiness and underwriting approval.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Model Years: 2021-2025. Minimum loan amount $10,000.
Auto loan score 81 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Buy that new vehicle you've been wanting!
Auto loan score 81 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as · up to 18.00%with conditions
5.15% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for Benefits Checking.
Auto loan score 80 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Auto loan score 77 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Drive Your Next Adventure New Vehicles Only. With a new auto loan, you will receive two HFDFCU license plate holders. Rates as low as 5.15% for 60 months.
Auto loan score 73 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.17%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Calculated on a $20,000 auto loan with a 48-month term for 2022 or newer vehicles with fewer than 100,000 miles. Actual rates and terms may vary based on credit, loan amount, loan term, vehicle value, and model year. A Railway Credit Union (RCU) checking account with automatic payments may be required. Not all applicants will qualify for the lowest rate. Rate subject to change. Additional terms and conditions may apply. Membership with RCU is required. Please contact us for full details and eligibility requirements.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.18%APRas low as
Terms
0% Down Payment. Monthly payment per thousand borrowed: $18.95.
Auto loan score 73 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 & newer. Requires Tier A+ credit and automated payment from an OHecu account.
Auto loan score 76 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Auto Loan Special. Model year 2024 or newer vehicles, purchase transactions only. Repayment term up to 60 months. APR reflects a 0.25% discount for automatic payments from a First Harrison checking account with existing ACH deposits.
Auto loan score 69 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Rates as low as 5.19% APR. With approved credit / credit eligibility required. 90 days no payments; interest continues to accrue during deferment period. Loan terms available up to 84 months. Rates subject to change without notice. Not valid with other offers or for existing Aurora FCU loans.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Rates as low as 5.19%. Same-rate financing up to 72 months for new and used vehicles. Subject to credit approval. *5.45% APR based on a $30,000 loan at the maximum term with a $225 processing fee.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as · up to 13.89%
5.19% APR, up to 13.89%
Auto loan score 81 · Carrot Score 82
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