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 1876–1890 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
60 months. Rate includes 25 basis point reduction for automatic payment.
Auto loan score 67 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.26%APRas low as
Terms
2025 or newer vehicle. Rate is 5.10%.
Auto loan score 77 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.26%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applicable to 2026 & '27 models; new purchases only. Includes 0.10% member relationship discount and 0.25% autopay discount.
Auto loan score 80 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Financing up to 72 months. Automatic payment from BVNB deposit account required. Actual APR may vary based on other factors. Example: A 60-month $25,000 fixed-rate secured auto loan at 4.49% APR has a monthly payment of $465.98.
Auto loan score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
APR as low as 5.29%. Financing up to 7 years (84 months) for new autos and up to 6 years (72 months) for used autos.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
Rates shown here are lowest rates. Subject to 90 Days Deferred Payment (first payment deferred for 90 days / three billing cycles; interest accrues during 90 days).
Auto loan score 77 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as · up to 15.49%with conditions
5.29% APR, up to 15.49%
This rate needs autopay.
Terms
Model Years 2026-2025; Max Term 72 months; Credit scores 750+ (A+) to 550 & Below (E)
Auto loan score 77 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
APR as low as 5.29%. Rate is based on credit history. Rate shown is offered to members with excellent credit history. Interest rate may increase based on current credit history. Rate may also vary based on age of collateral and term of loan.
Auto loan score 77 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
Estimated monthly payment is $16.24 per $1000 borrowed (based on term of 72 months).
Auto loan score 77 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Tier 1 rate. Includes 1.00% discount for automatic payments. Up to 130% NADA Retail Value for Tiers A-C, up to 110% for Tier D.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
All loans subject to credit approval.
Auto loan score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as · up to 13.79%with conditions
5.29% APR, up to 13.79%
This rate needs autopay.
Terms
Maximum amount 125% of value. Rate based on individual credit rating score. Subject to 0.15% rate increase without payroll deduction or automatic payments. Value on New established as MSRP.
Auto loan score 77 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
New and Used Models 2022 and Newer. Must qualify for the lowest rate.
Auto loan score 77 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to 2024 - current model year vehicles. Rate includes a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan.
Auto loan score 76 · Carrot Score 78
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