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 1996–2010 of 2,912 nationwide · median 5.00% APR
- Community Credit Union of FloridaAuto Loans - Model Years, 2024 - 2027 · up to 60 months
Credit union
5.49%APRas low asTerms
Up to 125% Financing; Cost per $1,000 Borrowed: $19.10. Individual rates determined by credit score and credit history.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model Years 2023 - 2026. 100% Financing.
Auto loan score 73 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model year 2025 & Newer. APR as low as.
Auto loan score 73 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Up to 84 months; up to 100% financing; no pre-payment penalties; rates based on credit qualifications.
Auto loan score 73 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Payment as low as $19.10 per $1,000 borrowed. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month.
Auto loan score 73 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rate listed as 'as low as'. Actual rate and repayment terms depend on individual credit score, credit history, and loan term.
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Vehicle model year 2021-2026; financing 100% MSRP or High KBB.
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model Years 2025 - 2027
Auto loan score 73 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Auto loan score 73 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2025-2027.
Auto loan score 73 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model year 2025 or newer.
Auto loan score 73 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Automobile 2025; 110% financing (GAP); applicable for credit score 700+ and score 700-.
Auto loan score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 13.34%
5.49% APR, up to 13.34%
Terms
Rates as of 10/22/2026. Applicable to new, used, and refinanced auto loans. Maximum loan term will depend on the age of collateral and/or the size of the loan. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria. Pre-qualification offers are good for up to 30 days.
Auto loan score 73 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Auto loan score 73 · Carrot Score 84
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?
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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