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 1891–1905 of 2,911 nationwide · median 5.00% APR
- 5.29%APRas low as
Terms
Payment example: $20.50 per $1,000 borrowed with Payment Protection.
Auto loan score 76 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as · up to 16.04%
5.29% APR, up to 16.04%
Terms
Model years 2025-2026
Auto loan score 75 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Auto loan score 75 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
New auto (model year must be previous model year or newer, with 36,000 miles or less). Fixed rate.
Auto loan score 73 · Carrot Score 74
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
Model Year: 2025 - 2027. Rate includes 0.25% Auto Pay discount from an AEFCU checking account.
Auto loan score 72 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Security First BankBrand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in) · 49–60 months
Bank
5.29%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automatic payments from Security First Bank checking or savings required. $75 prepayment penalty within 12 months.
Auto loan score 72 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
As low as rate for 60 Months term for qualified borrowers.
Auto loan score 72 · Carrot Score 86
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
Automated payments from an APGFCU account required.
Auto loan score 71 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Auto loan score 70 · Carrot Score 62
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
Term 60 months with maximum up to 84 months. MSRP starting at $18,000.
Auto loan score 67 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as · up to 6.55%
5.30% APR, up to 6.55%
Terms
Credit score 580-800; best credit required for lowest rate
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as
Terms
Model year 2027–2023. 'As low as' rate.
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as · up to 18.00%
5.30% APR, up to 18.00%
Terms
Credit score tiers from 730+ (A+) at 5.30% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%.
Auto loan score 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum loan amount up to 125% of Dealer MSRP or Retail Kelly Bluebook. Rates include 0.25% discount with automatic payment from a BluPeak checking account.
Auto loan score 72 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as · up to 12.69%with conditions
5.30% APR, up to 12.69%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Models 2024 and newer. Repayment up to 84 months. APR reflects a 0.25% rate discount available to members with credit scores of 700 or higher and an out-the-door (OTD) loan-to-value (LTV) ratio below 85%. Maximum advance up to 115% for purchase (145% external refinance).
Auto loan score 72 · Carrot Score 71
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