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 1771–1785 of 2,911 nationwide · median 5.00% APR
- 5.25%APRas low as
Terms
'As low as' rate is based on lowest available term with current incentives. Other financing and term options are available.
Auto loan score 78 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Stated as 'As low as 5.25% APR*' for term 60 Months. No model older than 7 years old. Up to 0.50% relationship discount available.
Auto loan score 78 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 12.75%
5.25% APR, up to 12.75%
Terms
Rate varies based on credit score.
Auto loan score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates current as of 10/1/2026. Rate may vary based on creditworthiness, amount financed, and loan terms. The APR may increase or decrease during the term of the loan based on changes in an interest rate index (WSJ prime rate plus internal spread).
Auto loan score 78 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model year 2026 & newer with loan amount $20,000+. Maximum term 72 months.
Auto loan score 78 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 17.99%
5.25% APR, up to 17.99%
Terms
Rate based on individual credit quality.
Auto loan score 78 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 10.25%
5.25% APR, up to 10.25%
Terms
Model year 2025. Listed under A.P.Y. with daily periodic rate 0.014384 - 0.028082.
Auto loan score 78 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Monthly payment per $1,000 is $18.99. Rates as low as 5.25% APR.
Auto loan score 78 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Featured rate; APR as low as 5.25%
Auto loan score 78 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Vehicle year 2024 & Newer, Credit score 750+. Max term up to 84 months. Approved 02/19/2026.
Auto loan score 78 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
APR as low as 5.25%
Auto loan score 78 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate based on creditworthiness, collateral, and term of loan. Rate as low as 5.25%. Term up to 7 years. Purchase or refinance a new or used vehicle.
Auto loan score 78 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
2027, 2026 (with mileage under 20,000). Maximum loan varies by credit score (95% to 100%).
Auto loan score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 78 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Actual Rate you receive is based on your credit score and term. As low as.
Auto loan score 78 · Carrot Score 72
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