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 1921–1935 of 2,911 nationwide · median 5.00% APR
- 5.35%APRas low as
Terms
Vehicle Year: 2023 and Newer. Rate as low as 5.35% APR.
Auto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
Minimum loan amount $7,500.
Auto loan score 73 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
New (2025 or Newer). $10,000 or more to Finance. Rates as low as stated based on creditworthiness.
Auto loan score 71 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR with automatic payment deducted from Checking Account or Automatic Loan Payment Share account. APR varies depending on credit history. Best rates shown.
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
Rate shown as low as. Example based upon $50,000 loan on 2026 model year vehicle with 48 monthly payments and excellent credit (760+). Higher rates apply for borrowers with lower credit scores and vehicles of model years older than 2023. Subject to credit approval.
Auto loan score 76 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as. Rate includes up to 0.50% discount for direct deposit and auto pay from Del-One checking account. Additional 0.25% Green Auto Discount for Electric Vehicle, Hybrid, Fuel Cell, Plug-In Hybrid Electric Vehicle or Tesla.
Auto loan score 75 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Current and previous model year vehicle, never taxed or titled, with less than 1,000 miles. APR based on $40,000 financed for 48 months, with qualifying credit, including loan processing fee of $75. Quoted rates reflect 0.25% discount for EasyPAY.
Auto loan score 67 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Advertised as low as 5.39% APR for terms up to 84 months. Covers automobiles (cars, trucks, & motorcycles). Subject to credit approval. Terms may be limited based upon the age of vehicle and credit history.
Auto loan score 76 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
2024-27 Model Year; rates as low as stated; APR based on member credit qualification and total loan amount.
Auto loan score 76 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - First Choice America Community Federal Credit UnionNew Vehicle Financing · up to 60 months
Credit union
5.39%APRas low asTerms
100% financing.
Auto loan score 76 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Model year 2024-2026
Auto loan score 76 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Model year 2025 and newer; max term up to 60 months.
Auto loan score 76 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Auto loan score 76 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low aswith conditions
This rate needs autopay.
Terms
Model year 2025 & Newer. If over 10,000 miles, add 0.20% APR.
Auto loan score 76 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%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 76
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