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 1816–1830 of 2,911 nationwide · median 5.00% APR
- 5.25%APRas low as
Terms
Rates as low as 5.25% APR. Rates and terms based on individual's credit score and qualifications. Hard inquiry credit report required. Membership required. All loans subject to approval. No application fees. New, used, and refinance options mentioned.
Auto loan score 78 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
As low as rate.
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 18.00%with conditions
5.25% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 60 months across Credit Grades A+ through E (FICO 730+ down to <549). Rate includes 0.25% loan rate discount with Personal Checking. 2022 and newer vehicles qualify for lowest promotional rate. Direct vehicle loans only on approved credit.
Auto loan score 78 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate is as low as 5.25% for well-qualified borrowers. Payment example: Estimated monthly payment on a 78-month auto loan at 5.25% APR = $14.67 per 1,000 borrowed.
Auto loan score 78 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 78 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - TVA Community Credit UnionAuto Loans – New & Used (Current year model and 3 previous years) · up to 60 months
Credit union
5.25%APRas low asTerms
Best available rate as low as; rate varies by credit and payment terms. For current year model and 3 previous years.
Auto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates subject to change without notice.
Auto loan score 73 · Carrot Score 71
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
Credit tiers A+ (750 & Up) through E (599 or BELOW). Model years 2026-2022. Title/Ins security. For vehicles with 100,000+ mileage add 1%.
Auto loan score 73 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 73 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 73 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - SECNY Federal Credit UnionNEW Electric Cars & Motorcycles: 2026 - 2024 Model Years · up to 60 months
Credit union
5.25%APRas low asAuto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
80% Financing. Base Rate. 1% premium added for 96-month term (min loan amount $41,000). Example payment per $1,000 borrowed at 5.25% APR for 60 months = $18.99.
Auto loan score 73 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate is APR as low as; determined based on credit history/score.
Auto loan score 73 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates may vary based on term, down payment, credit worthiness and age of unit. Rates displayed are 'as low as' based on individual creditworthiness, ability to repay, and credit score.
Auto loan score 73 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 11.50%
5.25% APR, up to 11.50%
Terms
Credit scores 575+ across Tiers AA to D (5.25% for Tier AA 725+ up to 11.50% for Tier D 575-599). Finance amounts up to 110% of MSRP w/ TTL. Fewer than 5k miles, no previous title. Terms 36 to 84 months depending on amount financed ($3,999 or less for 36 mos up to $35,000+ for 84 mos). Additional 0.50% added for 84 months ($35,000+). Automatic Payroll Deduction (0.25% Discount) and Member Loyalty Reward (0.25% Discount) available.
Auto loan score 73
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