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 1621–1635 of 2,911 nationwide · median 5.00% APR
- 5.20%APRas low as
Terms
60 months at 5.200% (5.200% APR) for a $30,000 loan would result in a monthly payment of $568.89.
Auto loan score 75 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as
Terms
Rates are based on borrower's credit history and length of the loan. Borrow a minimum of $5,000 and up.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 & newer. Rate reflects loyalty discounts.
Auto loan score 71 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.22%APRas low as · up to 17.47%
5.22% APR, up to 17.47%
Terms
Rate will vary based on term and creditworthiness.
Auto loan score 81 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.22%APRas low as
Terms
Model year 2022 – New. APR as low as based on borrower qualifications, including model year, vehicle condition, credit history, loan amount, term, and LTV; subject to credit approval; one-time processing fee applies; rates subject to change.
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low as
Terms
Rates as low as stated. Repayment term 49 to 60 months.
Auto loan score 75 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2022 or newer. Requires automatic payments from a Solarity checking account. Add 1.00% for vehicles over 100,000 miles (150,000 miles for diesels). Monthly payment is $16.21 per $1,000.
Auto loan score 75 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 83 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Quoted rate is fixed for vehicles model year 2024 or newer and is based on credit worthiness, qualifications, and collateral conditions. Rate applicable to new purchases or external refinancing only with a vehicle that has 60% LTV (Loan to Value). Subject to $10 membership fee if not already a member.
Auto loan score 79 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
APR as low as 5.24% for members with excellent credit. Model year 2023 & newer. 49 to 60 months. Monthly payment per $1000 is $18.99.
Auto loan score 79 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as APR. Sign up for automatic payments and receive a 0.25% rate discount. Minimum loan amount $5,000. Available for vehicles 2021-newer.
Auto loan score 79 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Fixed rate. Term 5 Years.
Auto loan score 79 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 79 · 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