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 1846–1860 of 2,911 nationwide · median 5.00% APR
- 5.25%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
84 month term available for loan amounts greater than $20,000. Rate based on creditworthiness and term of loan. All loan rates include discounts.
Auto loan score 72 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 72 · Carrot Score 77
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
For vehicles 2020 & Newer. Includes 0.25% direct deposit/autopay discount and 0.25% eStatements discount. Approximate payment $19.00 per $1,000.
Auto loan score 72 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rate as low as 5.25% APR. Financing up to 100% of purchase price. Terms range from 36 to 84 months. Discount of 0.25% available for 20% cash down. Rate based on creditworthiness and term of loan.
Auto loan score 72 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - RadiFi Credit UnionNew Auto, Van, Pickup, SUV (2025-2026, less than 7,000 miles) · 49–66 months
Credit union
5.25%APRas low asAuto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 12.50%
5.25% APR, up to 12.50%
Auto loan score 72 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Signature Federal Credit UnionNew Auto and Motorcycle Loans · up to 60 months
Credit union · Online nationwide
5.25%APRas low asTerms
Estimated payment $18.99 per $1,000 Financed.
Auto loan score 72 · Carrot Score 92
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
Model years 2026 - 2020. Terms for Purchases & Refinances. As low as 5.25% APR. Stated rate includes 0.50% APR AutoPay discount. Rate determined by credit score, term and year of vehicle. Up to 115% financing of value.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates effective as of October 1, 2026. APR applies to loans on 2025 or newer autos only with 5000 miles or less financing $10,000.00 & under. Loans over $10,000.00 require a prepaid finance charge which will affect the final APR.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 7.75%
5.25% APR, up to 7.75%
Terms
Repayment amount is $20.00 per month based on $1,000 borrowed.
Auto loan score 72 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Subject to Credit Approval
Auto loan score 71 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New cars up to 84 months, 20,000 miles or less (0-2 years old).
Auto loan score 71 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
1 - 60 Months term. Maximum loan amount $80,000.
Auto loan score 71 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 11.75%
5.25% APR, up to 11.75%
Terms
≤90% LTV; rates vary by credit tier (760+ to <620). Rates shown are for vehicles 5 years old or newer.
Auto loan score 71 · Carrot Score 80
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