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 1966–1980 of 2,912 nationwide · median 5.00% APR
- 5.45%APRas low as
Terms
Model Year: 2021 & Newer. Rate and term are subject to credit approval and qualified collateral.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
Rates as low as for Up to 60 months. Payment example: $18,000 for 60 months at best rate of 4.95% APR = $339.27 per month. Not all borrowers will qualify for lowest rate.
Auto loan score 75 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
Advertised offer applies only to vehicles with less than 100K miles. The estimated monthly payment is $14.35 per $1,000 borrowed for 84 months at 5.45% APR. Loan rate based on credit score, term, and loan amount. Loans currently financed with Enrichment FCU are not eligible.
Auto loan score 75 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
As low as advertised rates are for model years 1–5.
Auto loan score 75 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
APR as low as 5.45%. Rate based on creditworthiness and term of loan. Per $1,000 borrowed payment is $19.08.
Auto loan score 75 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
As low as rate based on personal creditworthiness.
Auto loan score 75 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
Rate based on creditworthiness and term of loan. 2016 & newer collateral financed up to 100% of average JD Power values; 2015 & older up to 90%. Applies to both new and used vehicles.
Auto loan score 75 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Auto loan score 75 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
Fixed rate; APR as low as.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.46%APRas low as
Terms
49 - 60 months.
Auto loan score 75 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.46%APRas low as
Terms
Additional qualifications may apply. Rates can change without notice.
Auto loan score 69 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.47%APRas low as
Terms
Annual Percentage Rate As Low As 5.47%. Rates may vary based on term and creditworthiness.
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.47%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as, based on FICO score 720 or above. Includes a 0.25% discount for automatic payment transfers and having a checking account.
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 16.50%
5.49% APR, up to 16.50%
Terms
10% down payment
Auto loan score 81 · Carrot Score 65
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
2,912 banks and credit unions · checked Oct 22–28
- 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