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 1951–1965 of 2,911 nationwide · median 5.00% APR
- 5.40%APRas low as · up to 13.60%
5.40% APR, up to 13.60%
Terms
Rates tiered by credit score grade: A+ (720 and up): 5.40%, A (685 - 719): 5.40%, B (655 - 684): 6.00%, C (620 - 654): 13.60%. Rates for D and E are unavailable.
Auto loan score 71 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.40%APRas low as
Terms
A credit tier. APR as low as stated.
Auto loan score 70 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.41%APRas low as · up to 18.00%
5.41% APR, up to 18.00%
Terms
Fixed rate. 60 Months term. 2022 & Newer: 5.41% - 18.00%; 2017-2021: 5.91% - 18.00%; 2016 & Older: 6.41% - 18.00%.
Auto loan score 76 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.41%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates are APR as low as and subject to creditworthiness. A discount of 0.25% is applied for automatic payment originated from Century Federal checking account. A $150.00 processing fee applies to all vehicle loans.
Auto loan score 70 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.42%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New/Used Cars 2024 & Above. Stated rate/APR for excellent credit with auto-pay from a Fidelity Bank checking account; payment example based on $25,000 financed. Single advertised APR is not a maximum; actual APR varies with credit history, product, term, loan amount, and finance charges. Consumer loans subject to $75 document preparation fee and $30.80 credit report fee.
Auto loan score 70 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.43%APRas low as
Terms
Fixed rates on new vehicles. Terms up to 84 months. No payments for up to 45 days. No prepayment penalties. Rate cannot fall lower than 5.43% APR and will not exceed 18% APR.
Auto loan score 71 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Terms
Example payment $572 on $30,000 loan amount. Higher rates apply for other credit tiers.
Auto loan score 76 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Terms
Year-Model 2023 - 2026. Rate depends on credit score. Additional 0.15% discount available for 80% LTV. Subject to credit approval. MLA compliant.
Auto loan score 76 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Auto loan score 76 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Terms
Vehicle 7 years and newer; best rate depending on credit history and underwriting criteria.
Auto loan score 76 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Terms
Model Year 2024 - 2027. Purchase APR as low as. Lowest available purchase APR includes a maximum .50% discount for any 2 eligible discounts (each worth .25%). Rate for all terms with no discounts is .50% higher (e.g. Model year 2024 – 2026 with term up to 66 months would be as low as 5.69% APR with no discounts).
Auto loan score 76 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Terms
Rates as low as 5.44% APR for 49 to 60 months.
Auto loan score 76 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Terms
With qualifying credit.
Auto loan score 71 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications.
Auto loan score 69 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
2024 Model Year & Newer with 10% Down Payment. Example: 5.462% APR based on 5 year $20,000 loan with 10% Down, 60 mo. payments of $381.67.
Auto loan score 76 · Carrot Score 92
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