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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.

Vehicle
Institution
Type a ZIP code, city, county, metro area or state, then choose a suggestion with the arrow keys and Enter.

Top new-car loan rates

Showing 151–165 of 2,932 nationwide · median 5.00% APR

  1. Top Carrot, Carrot Score 97
    Prestige Community CUNew Vehicle Loan (Car / Truck / SUV) · up to 60 months

    Credit union

    3.99%APRas low as · up to 18.00%
  2. Top Carrot, Carrot Score 96
    Responders Emergency Services Credit UnionNew & Used Automobiles · up to 72 months

    Credit union

    3.99%APRas low aswith conditions
  3. Top Carrot, Carrot Score 91
    Shoreham BankAuto Loans · up to 78 months

    Bank

    3.99%APRas low as
  4. Summit Federal Credit UnionNew & Used Cars & Trucks · up to 60 months

    Credit union

    3.99%APRas low aswith conditions
  5. Top Carrot, Carrot Score 89
    Telco Community Credit UnionNew Auto Loans · 36–84 months

    Credit union

    3.99%APRas low as
  6. TruGrocer Federal Credit UnionAuto Loans · 24–84 months

    Credit union

    3.99%APRas low as
  7. Top Carrot, Carrot Score 96
    TruService Community FCUNew and Used Vehicles (Cars, Trucks, and Motorcycles) · 24–75 months

    Credit union

    3.99%APRas low as · up to 18.00%
  8. Top Carrot, Carrot Score 96
    Unison Credit UnionAuto Loans · up to 60 months

    Credit union

    3.99%APRas low as
  9. Top Carrot, Carrot Score 90
    Unity of Eatonville FCUNew Car Loans · up to 72 months

    Credit union

    3.99%APRas low as
  10. University of Nebraska Federal Credit UnionNew/Used Auto Loan

    Credit union

    3.99%APRas low as
  11. Top Carrot, Carrot Score 88
    Varex Federal Credit UnionNew & Used Vehicles · up to 60 months

    Credit union

    3.99%APRas low as
  12. Top Carrot, Carrot Score 89
    Winnebago Community Credit Union2023 Newer Auto & Truck · up to 72 months

    Credit union

    3.99%APRas low as
  13. Credit Union of AtlantaNew Vehicles · 49–60 months

    Credit union

    3.99%APRas low aswith conditions
  14. Top Carrot, Carrot Score 88
    First Capital Federal Credit UnionAuto Loans · up to 72 months

    Credit union

    3.99%APRas low as
  15. Top Carrot, Carrot Score 88
    First Service Credit UnionAuto Loan · 36–84 months

    Credit union

    3.99%APRas low aswith conditions

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

2,932 banks and credit unions · checked Oct 15–22

Typical
5.00%
Top 10% up to
4.25%
Banks, typical
6.60%
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

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions

Auto loan rates by state