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 1681–1695 of 2,911 nationwide · median 5.00% APR
- 5.24%APRas low as
Auto loan score 79 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Minimum loan amount required. Other conditions may apply.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Vehicle Year 2022-2027. Rate as low as 4.74% APR with MemPerx Max Benefit. Determined on approved credit; 'as low as' rates assume excellent borrower credit history. Minimum loan balances may apply.
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. Rates are valid as of October 1, 2026 and subject to change. Rates may vary based on terms as well as credit history. 0% to 20% down payment; terms between 36 and 84 months; new or used cars.
Auto loan score 79 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 15.09%
5.24% APR, up to 15.09%
Terms
61 - 72 Months. Disclosed rates vary based on credit history and loan term. New and used vehicle rates are the same.
Auto loan score 79 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
100% financing. Rates are as low as based on your FICO score.
Auto loan score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates as low as 5.24% APR. Subject to credit criteria, collateral, and term.
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 year 2022 – New. $10,000 minimum loan amount. Best rate quoted.
Auto loan score 79 · Carrot Score 79
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
2025-2026 Model Years. Quoted rates include 0.25% member loyalty auto-pay discount.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 12.99%
5.24% APR, up to 12.99%
Terms
2023 & Newer Models.
Auto loan score 79 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment of $18.99 per $1,000 borrowed.
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
On Approved Credit (OAC). Best rate; actual rate depends on credit history, loan-to-value, and underwriting criteria.
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 17.99%
5.24% APR, up to 17.99%
Terms
Auto & Motorcycles (New and Used). 24-84 months. Loan to value rate adjustment: below 80% (-1.25%), 80-90% (-1.00%), 91-100% (Base), 101-115% (Base), 116-125% (+2.00%). Vehicle age adjustments apply. On approved credit.
Auto loan score 79 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates 'as low as' dependent on creditworthiness, LTV, Auto Pay, and/or SmartPoints discounts. Example: $10,000 at 3.15% APR for 36 months is $291.48/mo. Repayment terms 24 to 84 months.
Auto loan score 79 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rates shown are 'as low as' and subject to credit approval based on transaction type, loan term, payment method, vehicle condition, and credit score. New auto defined as current model year or within previous 2 years with mileage not exceeding 30,000 miles.
Auto loan score 77 · Carrot Score 83
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