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 166–180 of 2,932 nationwide · median 5.00% APR
- Great Lakes Credit UnionNew & Previous Model Year Auto Loan (2025 & 2026) · up to 63 months
Credit union
3.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month.
Auto loan score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Qualifying new vehicles. Rate reduced by up to 2% APR, as low as 3.99% APR. Minimum loan amount $10,000. Loan must be transferred from another financial institution. 90-day payment deferral available.
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Cars, trucks and vans. Rates quoted for terms 24-74 months are based on minimum loan amount of $15,000. For loan amounts $5,000-$14,999.99, add one percent. For loans up to $4,999.99, add two percent. Minimum loan amount on terms 75 months and up is $25,000.
Auto loan score 93 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Model Years 2024-2026
Auto loan score 93 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 3.99% APR includes rate reduction due to Relationship discounts of up to 0.75% (0.25% rate reduction for Members having Direct Deposit of entire net pay; 0.25% discount for Members that pay the loan through payroll, ACH Origination or automatic transfer; 0.25% discount for 'Loyalty Plus' Members). Not all Members will qualify. Used vehicle model years not to exceed 10 years old or 150,000 miles. Minimum auto loan amount of $10,000.00 is required to earn bonus deposit.
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Base rate for FICO score 680 and over. Risk based scoring adds up to +6.00% depending on credit tier.
Auto loan score 93 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Fixed rate. Lowest available rate; actual rate may be higher depending on credit score.
Auto loan score 91 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Starting as low as
Auto loan score 91 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Assumes top-tier credit and maximum discount.
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 16.29%with conditions
3.99% APR, up to 16.29%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% Loyalty Checking APR discount. Must have an active Loyalty Checking account at the time of loan funding to qualify.
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 12.49%
3.99% APR, up to 12.49%
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 91 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Up to $100,000.00.
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
New Vehicles. Maximum term for lowest rate is 60 months (terms up to 5 years). Up to 125% financing available.
Auto loan score 91 · Carrot Score 86
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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
- Synchrony BankBank