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 1861–1875 of 2,911 nationwide · median 5.00% APR
- 5.25%APRas low as
Terms
Model years 2025-2022 with mileage 15,000 or less. Rate determined by credit history. DCCU members are eligible for a 0.25% loan discount when setting up automatic monthly payments on new loans.
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 9.00%
5.25% APR, up to 9.00%
Terms
New auto loans up to 66 mos (model years 2025-2027). APR range 5.25% (A+ tier, 110% LTV) to 9.00% (Second Chance, 90% LTV, min credit score 550). No prepayment penalties. Rate discounts available: Automatic Payment Debit (-0.25%) or Diamond Club (-1.00%).
Auto loan score 71 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Terms up to 72 months.
Auto loan score 71 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
First Time Buyer add 3.00% to highest rate in range for term
Auto loan score 71 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New Auto Fixed Rate. New vehicles are Current or Prior Year Model; 12K Miles or less.
Auto loan score 71 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New (2025-2026). Lowest rate available; actual rate based on credit score.
Auto loan score 71 · Carrot Score 89
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
From 49 to 66 Months. Rates listed for 740+ credit score. Add .25/.26 to all rates if payments are not made by payroll deduction or ACH. Maximum loan 100% of purchase price.
Auto loan score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 11.25%
5.25% APR, up to 11.25%
Terms
*The APR is the Annual Percentage Rate, which may vary based on based on factors like loan amount, credit score, and other variables. Please Contact Us for more information on all available loan rates and programs.
Auto loan score 71 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
New Loans Only. $35,000 minimum, $70,000 maximum.
Auto loan score 71 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model years 2026-2025
Auto loan score 70 · Carrot Score 79
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
Includes 0.25% rate concession for enrollment in automatic loan payments. Specific rate based on term and creditworthiness.
Auto loan score 69 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Polish National Credit UnionNew Automobile Loans, 2025-2026 Model Years (Never Registered) · up to 84 months
Credit union
5.25%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Based on Tier 1 credit and includes 0.25% auto-pay discount from a PNCU Perks checking account. Monthly payment is $14.25 per $1,000.
Auto loan score 69 · Carrot Score 78
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
New Auto; rate as low as; minimum loan amount $7,501 for lowest rate; includes 0.25% autopay discount and 0.25% previous borrower discount.
Auto loan score 69 · Carrot Score 61
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
Advertised as low as 5.25% APR. Example monthly payment: $18.99 per month per $1,000 borrowed at 5.25% APR for 60 months. Includes 0.25% autopay discount.
Auto loan score 68 · Carrot Score 69
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
Rates displayed are the lowest rates available, including a discount for automatic payment. Subject to credit qualifications.
Auto loan score 68 · Carrot Score 81
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