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 181–195 of 2,932 nationwide · median 5.00% APR
- 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR as low as 3.99%. Mileage up to 100,000. New/used vehicle loans up to 6 years from current. Rate includes a .50% rate discount for hybrid, electric, or fuel efficient vehicles with combined MPGs >= 35.
Auto loan score 91 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 10.99%
3.99% APR, up to 10.99%
Terms
Promotional rates until 12/31/2026; APR range covers credit scores 600 to 730+ (3.99% for 730+ to 10.99% for 600-639)
Auto loan score 91 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 9.74%
3.99% APR, up to 9.74%
Terms
New & Used 2027-2025 Vehicles. Terms of 72 and 84 Months require a minimum loan of $20,000. Up to 100% financing on new model year of purchase price plus dealer costs, or 100% KBB value on used.
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 17.99%
3.99% APR, up to 17.99%
Terms
New models under 2 years old; terms up to 84 months; 100% financing.
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate shown includes 0.25% automatic payment discount. Credit score determines rate. Financing up to 7 years (84 months).
Auto loan score 89 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes direct deposit discount of 0.25%. Promotional rates require Direct Deposit of $500 or more with auto deduction for loan payment.
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a 0.50% discount for automatic payments. Subject to approval; based on creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for lowest APR.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 14.49%with conditions
3.99% APR, up to 14.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes .50% reduction for enrollment in eStatements and Automatic Payments. Estimated Payment per $1,000 is $19 to $24.
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Hoboken School Employees Federal Credit UnionAuto Loans -- New or Used Under 3 years · up to 84 months
Credit union
3.99%APRas low as · up to 12.50%3.99% APR, up to 12.50%
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
New Molex loans only. No down payment required.
Auto loan score 88 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
New vehicles. For loans over $30,000. Rate based on credit history, collateral, and loan characteristics.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects 0.25% discount for automatic payment from a GE Credit Union account. Rate determined by credit history and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 18.00%with conditions
3.99% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes Service & Loyalty discounts of up to 0.50% APR. Actual rate and terms depend on creditworthiness, LTV, and loan term. Terms 24 to 72+ months.
Auto loan score 86 · Carrot Score 83
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank