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 1606–1620 of 2,911 nationwide · median 5.00% APR
- 5.19%APRas low as
Terms
As low as 5.190% APR available on refinances from other institutions or new loans only. Subject to credit qualifications. Up to 72 months. Minimum auto loan is $1,000. Rate assumes LTV of 125% or less. Member conditions apply.
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
2026-2027 model year. Up to 78 Months.
Auto loan score 81 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
As low as 5.19% APR. Terms up to 84 months (APR may vary). Rates are based on an evaluation of credit history and other factors, so rate may differ. Maximum APR is 18%. All loans subject to approval.
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as · up to 21.00%
5.19% APR, up to 21.00%
Terms
Model Years 2023-2026. Rate varies based on personal credit history, underwriting factors, and eligible rewards. Terms longer than 63 months require a minimum finance amount.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Fixed rate. Rate applies to new or used vehicle purchase. Actual rate based on credit evaluation.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as · up to 17.99%
5.19% APR, up to 17.99%
Terms
No minimum loan amount specified.
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Rates as low as stated APR based on creditworthiness. Monthly payment of $18.96 per $1,000.
Auto loan score 76 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate for 60 months based on a combined 0.75% APR in available discounts (0.25% AutoPay from USCCU checking, 0.25% active PremiumSpend checking, 0.25% Clean Energy Discount for electric/hybrid). Minimum loan amount $8,000. Floor rate 4.44%. Rates apply to 2024 or newer vehicles.
Auto loan score 76 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
APR as low as 5.19%. Monthly payment per $1,000 borrowed is $18.96. Rates, terms and conditions vary based on creditworthiness and qualifications.
Auto loan score 75 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low as
Terms
Rate as low as 5.19% for 63 months. Vehicle up to 25,000 miles.
Auto loan score 73 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.19%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New, Used or Refinanced. Rate includes 0.50% APR discount for qualifying direct deposit of at least $100.
Auto loan score 71 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as · up to 14.89%
5.20% APR, up to 14.89%
Terms
Term: 49 - 60 months. Max LTV 140%. Max miles: 15,000.
Auto loan score 77 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as
Terms
Value based on Retail / NADA. Subject to approval based upon creditworthiness, qualifications and collateral conditions.
Auto loan score 75 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as
Terms
Model years 2026-2024; with approved credit (W.A.C.). Rate discounts available for down payment >= 20%, payroll deduction/auto payment from checking, or lower term selection.
Auto loan score 75 · Carrot Score 76
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