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 1801–1815 of 2,911 nationwide · median 5.00% APR
- 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as and based on creditworthiness, vehicle age, and loan-to-value ratio. Includes a 0.25% discount for automatic payments from a QCU checking account.
Auto loan score 78 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 78 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
As low as 5.25% APR with approved credit. Applies to new vehicles and used vehicles (all model years). Vehicles over 100,000 miles adds 1.00% APR to rate, 150,000-200,000 miles adds 3.00% APR to rate, 20 years and older adds 1.00% APR to rate. Max mileage 200,000.
Auto loan score 78 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 15.25%
5.25% APR, up to 15.25%
Terms
Based on creditworthiness at time of application. Lowest rates available to consumers with best credit. A credit report fee of $25.00 applies.
Auto loan score 78 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model years 2026/2027
Auto loan score 78 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Up to 72 Months. 84 month term requires a minimum loan balance of $35k. 0.26% rate discount on Zero Emission Vehicles.
Auto loan score 78 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 7.10%
5.25% APR, up to 7.10%
Terms
Fixed rates for 2024–2026 models. Rates, terms, and conditions are subject to change and may vary based on the age of the vehicle, credit quality, term of the loan, customer relationship, and payment method.
Auto loan score 78 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 17.50%
5.25% APR, up to 17.50%
Terms
Tier 1 (>700) to Tier 7 (<499). Rates subject to maximum 0.75% discount based on 'it pays to be a member' program.
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 13.99%
5.25% APR, up to 13.99%
Terms
Rates vary by credit tier/score (5.25% APR for Tier A Plus 730+ to 13.99% APR for Tier E 540 or less).
Auto loan score 78 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 78 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Flexible terms available. Rates and terms are subject to credit approval and restrictions or requirements.
Auto loan score 78 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model years 2023 - 2026. Rate is as low as based on credit score. Applies to purchases only.
Auto loan score 78 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates as low as 5.25% APR
Auto loan score 78 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 78 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model year 2012 and newer; includes cars, trucks and motorcycles
Auto loan score 78 · Carrot Score 64
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