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 1666–1680 of 2,911 nationwide · median 5.00% APR
- 5.24%APRas low as
Terms
Rate is as low as. 90 Days, No Payments for a limited time for qualified borrowers (new money only; interest continues to accrue).
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Oswego Teachers Employees Federal Credit UnionNewer Vehicles (2025-2027) · up to 66 months
Credit union
5.24%APRas low asTerms
Rate as low as based on credit score 680+; rate may be reduced by 0.25% with payroll deduction or direct deposit of Social Security or Pension.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as 5.24% on new or used auto loans.
Auto loan score 79 · Carrot Score 76
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 - 5.24%APRas low as
Terms
Rate as low as; subject to credit approval. May include 0.25% Auto Pay rate discount.
Auto loan score 79 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model Year 2020-2027 Vehicle Loans. 67-75-month financing available only on loans of $12,000 or more only on 2020-2027 model year.
Auto loan score 79 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 18.00%
5.24% APR, up to 18.00%
Terms
Rates are based on credit history, collateral and loan to value. Subject to credit application, qualification and approval. Must qualify for membership upon approval.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
2024 and Newer vehicles. Rate is as low as stated and determined by credit score, term, and vehicle model year. Minimum loan amount is $5,000. Auto refinancing offer applies only to loans financed by institutions other than SAFE. Proof of address and verification of employment are required. Maximum loan-to-value limits apply.
Auto loan score 79 · Carrot Score 80
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
New auto loan rate as low as 5.24% APR.
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 13.99%
5.24% APR, up to 13.99%
Terms
Rates vary by FICO score: 740+ is 5.24% (135% LTV), 700-739 is 5.99% (125% LTV), 655-699 is 7.24% (120% LTV), 625-654 is 8.24% (115% LTV), 570-624 is 11.49% (100% LTV), <570 is 13.99% (90% LTV). Stated rates do not include 0.25% autopay discount.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 79 · Carrot Score 80
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
As low as APR requires automatic monthly payment. 49 to 66 months.
Auto loan score 79 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model year 2023 and newer; credit tier 760+; minimum loan amount $10,000.
Auto loan score 79 · Carrot Score 76
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
Up to 75 months; minimum loan $10,000. APR as low as 5.24% for highly credit-qualified borrowers. Stated APR includes 0.25% autopay discount from a Sun East checking account. Same product applies to new or used vehicles.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model years 2023-2026; based on 60 months.
Auto loan score 79 · Carrot Score 80
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