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 1831–1845 of 2,911 nationwide · median 5.00% APR
- 5.25%APRas low as
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Ukrainian Federal Credit UnionNew Auto Loan (vehicle year 2025 - 2026) · up to 60 months
Credit union
5.25%APRas low as · up to 6.25%with conditions5.25% APR, up to 6.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 5 years. Base APR is 6.25%; APR as low as 5.25% includes up to 1.00% relationship discount based on approved credit.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Vehicle: New. Payment per $1,000 is $18.99.
Auto loan score 73 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - Wyoming Valley Educational Employees Federal Credit UnionVehicle Loans · up to 60 months
Credit union
5.25%APRas low asTerms
Model years 2027, 2026 (with mileage under 20,000). Maximum loan: Credit score under 650: 95% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 650-699: 100% of vehicle selling price before manufacturer rebates (new) or 95% of NADA retail value (used); Credit score 700+: 100% of total out-the-door price (new) or 100% of NADA retail value (used).
Auto loan score 73 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 72 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New Vehicles 2025 – 2026
Auto loan score 72 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Published rates for credit scores 680-779. Model years 2026-2027.
Auto loan score 72 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Auto loan score 72 · Carrot Score 68
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. Rates are subject to change at any time and are not guaranteed. 2021 and newer.
Auto loan score 72 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automatic payment required for lowest rate offered. Payment per $1,000 is $18.99.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 60 months. Direct payments (payroll deduction/ACH). Applicable for DTI not exceeding 30%.
Auto loan score 72
Rate checked · Auto loans rates on its site
Rates and branches - Energy Credit UnionNew Auto / Motorcycle - Zero Down (LTV 100% KBB / NADA) · up to 60 months
Credit union
5.25%APRas low asTerms
Applicable to excellent FICO 740 and above. Payment example: Borrow $30,000 for 60 months at 5.25% APR, pay $18.99 monthly per $1,000 borrowed.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 72 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR as low as for credit scores of 800 and above. Qualifies for loyalty discount only.
Auto loan score 72 · Carrot Score 85
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