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 1651–1665 of 2,911 nationwide · median 5.00% APR
- 5.24%APRas low as
Terms
New Autos are the three most recent model years. Subject to credit approval. Terms up to 84 months. Financing up to 130%.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 79 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model Year 2026-2025 up to 66 months. Fixed rate. Based on a $25,000 loan with a $130 application fee.
Auto loan score 79 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Annual Percentage Rate is as low as.
Auto loan score 79 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as for new autos.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model year 2021 and newer. APR as low as; payment per $1,000 is $19.03. Rate discount of 0.25% available with automatic payments.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Longer terms may be available. Please call for more information.
Auto loan score 79 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Vehicle model year 2020 and newer. As low as APR.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 17.99%
5.24% APR, up to 17.99%
Terms
Model year 2018 and Newer. Subject to a $50 Loan Processing Fee. Ineligible collateral: salvage vehicles, branded titles, lemon law buybacks, or vehicles with over 150,000 miles.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 7.74%
5.24% APR, up to 7.74%
Terms
Lowest rate 5.24% APR, Base rate 7.74% APR. Rates are based on APR. Whether buying a new or used car.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Vehicle model year 2022 or newer.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
APR as low as stated for purchase or refinance on new and used vehicles up to 6 years old. Maximum loan amount $250,000.00. A 0.25% Auto Pay Discount is available with automatic payments from a qualified Liberty Bay checking account (must be established within 60 days after Effective Date; interest rate increases by discount amount if discontinued or disqualified).
Auto loan score 79 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as 5.24% APR quoted for the lowest tier, if qualified. Rates may vary and are subject to change. Up to 100% financing available.
Auto loan score 79 · Carrot Score 63
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
Preferred APR for term of 5 years or less. Requires payment by Payroll Deduction with Automatic Payment for preferred rate.
Auto loan score 79 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as 5.24% APR for purchasing a new auto, used auto, or refinancing an existing auto loan. Rates vary based on creditworthiness, loan amount, vehicle model year, and other factors.
Auto loan score 79 · Carrot Score 85
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