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 2026–2040 of 2,912 nationwide · median 5.00% APR
- Prime Trust Financial Credit UnionVehicle Loans - 2023 through 2026 Models · 49–66 months
Credit union
5.49%APRas low asTerms
Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements.
Auto loan score 73 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Vehicle 2022 or Newer. As low as quoted with approved credit. Must be a new loan, not available to existing PGAFCU loans.
Auto loan score 73 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model year 2025–2015; 60-month term; APR as low as based on creditworthiness.
Auto loan score 73 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 13.49%
5.49% APR, up to 13.49%
Terms
Available for new and used vehicles.
Auto loan score 73 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2025-2026. Monthly payment $14.37 per $1,000 borrowed. Rates are the lowest rates available and are determined by individual creditworthiness. All rates are subject to change without notice. Other rates and terms available.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 14.49%
5.49% APR, up to 14.49%
Terms
Estimated payment per $1,000 is $19.10 - $23.53.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Vehicle model years 2025 - 2027. New vehicle: Less than 5,000 miles. Lowest available APR based on creditworthiness.
Auto loan score 73 · Carrot Score 84
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
Rates shown apply to loans booked at a Space Age branch only; rates on loans booked at a dealership may differ. Rates subject to change and based on individual credit score. 100% financing available on new and used cars. Loan terms up to 84 months.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 8.74%with conditions
5.49% APR, up to 8.74%
This rate needs autopay.
Terms
New vehicles have never been titled or licensed and used vehicles up to 1 year old. Terms up to 84 months based on age of vehicle and loan dollar amount. Actual APR based on creditworthiness, age of vehicle, and term. Rates increase by 0.25% without automatic payment; 0.25% rate discount for hybrid and electric vehicle loans. 0.25% rate discount with 2,500 Salal Rewards points.
Auto loan score 73 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
5.49% APR based on a 72 month term with a credit score of 730 or above on a 2022 or newer vehicle. Valid on loans for new and used purchases or refinances from other financial institutions. Enhanced Loyalty Rewards cannot be used in conjunction with this offer.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model year 2022 & newer. New money only.
Auto loan score 73 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rates as low as 5.49% APR. Up to 90 days before first payment. Actual rate depends on credit score, term, and amount of loan. Flexible terms. Maximum APR will not exceed 20.74%.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 12.49%
5.49% APR, up to 12.49%
Terms
Rates range from 5.49% (Prime 760+) to 12.49% (D 639-600) for base 60-month term at 100% LTV.
Auto loan score 73 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
As low as APR. Accurate as of date specified on page. Not all customers will qualify for the lowest APR.
Auto loan score 73 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 15.09%
5.49% APR, up to 15.09%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 73 · Carrot Score 71
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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank