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 1936–1950 of 2,911 nationwide · median 5.00% APR
- 5.39%APRas low as
Terms
Model Year 2023-2027.
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Auto loan score 76 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Minimum of $7,000 loan. Monthly payment per $1,000 borrowed is $23.00 - $20.00.
Auto loan score 75 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Rates as low as stated APR.
Auto loan score 71 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Auto loan score 71 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as · up to 11.50%
5.39% APR, up to 11.50%
Terms
Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% of Purchase Price (New vehicles only); B = 95% of MSRP; C = 90% of MSRP.
Auto loan score 70 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as · up to 15.25%
5.39% APR, up to 15.25%
Terms
Fair Isaac Score dictates rate: 5.39% for 700 and above, up to 15.25% for 550 - 599.
Auto loan score 70 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Rates starting as low as 5.39% for new vehicles
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Model Year: 2025-2026; New Only
Auto loan score 69 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Rate as low as 5.290%, APR as low as 5.393% for 60-month term. Model 2025 and newer.
Auto loan score 76 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.40%APRas low as
Terms
Rate is as low as 5.40% APR on approved credit. Maximum loan amount $250,000. Rates, terms and conditions subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval.
Auto loan score 76 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.40%APRas low as
Terms
Model Years 2025-2026. Fixed APR as low as 5.40%. APR varies depending on your credit history. Payment per $1,000 is $19.06.
Auto loan score 76 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.40%APRas low as
Terms
Base rate. Rate and terms are based on the borrower's credit rating.
Auto loan score 75 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.40%APRas low as
Terms
Disclosed APR for well-qualified borrowers and a term of up to 84 months. Payment example: $20,000 loan at 5.40% APR; 84 monthly payments of approximately $286.45.
Auto loan score 72 · Carrot Score 80
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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank