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 1636–1650 of 2,911 nationwide · median 5.00% APR
- 5.24%APRas low as
Auto loan score 79 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25 point discount for direct deposit with an AurGroup checking account. Mileage must be less than 70,000 to qualify for 72-month financing. Loan amounts of $25,000 or more may qualify for 76-month financing. Loan amounts of $30,000 or more may qualify for 84-month financing. APR may adjust depending on credit history and loan-to-value.
Auto loan score 79 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 17.24%
5.24% APR, up to 17.24%
Terms
Up to 60 Months. APR based on creditworthiness.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as APR based on approved credit and underwriting conditions. Max term available 60 months; terms may vary based on vehicle year and amount borrowed. Minimum loan amount $2,000.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Starting APR for 60-month term (New Auto/Motorcycle Loans 2025 and newer).
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 rate for up to 60 months for 2021-2026 vehicles. Based on a $20,000.00 loan payment is $379.65.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate is based on credit/score history. Certain restrictions may apply. $100 loan processing fee. Up to 125% LTV and cash out refi maximum 100% LTV. Auto maximum loan amount = $100,00.00. No early payoff penalty.
Auto loan score 79 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 16.75%
5.24% APR, up to 16.75%
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
1st Time Car Buyer Program: Rates as low as 5.24% for 72 months. Qualifications apply.
Auto loan score 79 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate advertised as low as 5.24% APR.
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as 5.24% APR based on approved credit. Up to 120% LTV. 90 days no payments with interest accruing from disbursement. Vehicle condition: any (new, used, or refinance).
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Maximum term 60 months.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model year 2022 and newer; term up to 60 months.
Auto loan score 79 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 5.24% APR. Terms up to 84 months for new and used vehicles. Rate match may not be combined with 0.50% rate discount for Dream Auto loans; requires Dream Rewards Checking and automatic payments or Home Banking and E-Statements.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model Years 2024-2027
Auto loan score 79 · Carrot Score 78
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