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 1906–1920 of 2,911 nationwide · median 5.00% APR
- 5.30%APRas low as · up to 13.60%
5.30% APR, up to 13.60%
Terms
New Auto loans up to $100,000. Terms up to 60 months. Stated rates do not include 1% Off Discount Promo. Actual APR offered depends on credit rating and other underwriting factors.
Auto loan score 71 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as
Auto loan score 70 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - West Virginia Federal Credit UnionNew/Used Auto & Harley Davidson 2023 & Newer · up to 62 months
Credit union
5.31%APRas low asTerms
Up to 100% financed. Rate discount of 0.10% available with automatic payment deduction.
Auto loan score 71 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.31%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Loyalty/PFI Rate (-.50% reduction) for 60 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history.
Auto loan score 67 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
$15,000 minimum loan amount. APR based on $25,000 Loan and $250 fee. Monthly payment amount per $1,000 borrowed is $16.11.
Auto loan score 71 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
$20,000 vehicle loan with no down payment will have payments of $382.20 for 60 months.
Auto loan score 76 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
Rates as low as 5.34% APR. Loan example: $30,000.00 at 5.34 APR for 60 months = $570.85 per month.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
As low as rate for Car, Truck, SUV.
Auto loan score 76 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.44%
5.34% APR, up to 20.44%
Terms
Model year 2022 & Newer. Actual rates depend on member credit qualifications, including term of the loan, age and mileage of the vehicle, credit, and employment history. Payment schedule up to 60 months. Monthly payment per $1,000 borrowed: $19.07 - $26.97.
Auto loan score 76 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 18.00%
5.34% APR, up to 18.00%
Terms
Collateral years 2023 & Newer. Up to 60 months.
Auto loan score 75 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as
Terms
Model Year: 2026 & Newer. Estimated monthly payment: $17.47 per $1,000. Rates as low as.
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With Auto Pay from DFCU Account. Up to 60 months. Rate reflects 0.25% discount for auto pay.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
APR as low as 5.35% for terms up to 72 months. Rates vary by individual credit history and term of loan. Floor rate of 4.00% APR applies. Subject to credit approval.
Auto loan score 76 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
Automobiles 2024. Rates as low as 5.35% APR. Rate based on credit qualifications. $50 loan origination fee.
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