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 1696–1710 of 2,911 nationwide · median 5.00% APR
- 5.24%APRas low as
Terms
Monthly payment is $18.98 per $1,000
Auto loan score 77 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New/Used Vehicles (2024-2026). With approved credit. Minimum finance amount eligible for loan term listed. Maximum vehicle mileage not to exceed 80k for loan term listed.
Auto loan score 77 · Carrot Score 85
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
APR determined by credit score (<600 to 720+)
Auto loan score 77 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 15.79%
5.24% APR, up to 15.79%
Terms
Repayment period 37-60 months; minimum loan amount $5,000.
Auto loan score 77 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
APR as low as 5.24%. Terms from 3 to 7 years (36 to 84 months). Up to 100% of purchase price plus tax & tags. Auto loans may include tax, tags, GAP & warranty, if applicable.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate as low as 5.24% APR for 60 months based on LTV < 70%. Payment example: $18.98 per $1,000 borrowed.
Auto loan score 75 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 75 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate is as low as 5.24% APR for term up to 72 months. Applies to new vehicles up to 1 year old and up to 20,000 miles.
Auto loan score 75 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Payment example is based on a $15,000 loan ($244.00/month).
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as rate for terms 61 to 72 months. Rates vary based on creditworthiness, LTV, terms, and other factors.
Auto loan score 75 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New Auto; monthly payment per $1,000 borrowed is $18.99
Auto loan score 75 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
As low as rate based on model year, credit history, and term.
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New Vehicles (Titled in the last 6 months). Payment example: $20,000 at $324.33/month.
Auto loan score 75 · Carrot Score 90
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