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 2041–2055 of 2,912 nationwide · median 5.00% APR
- 5.49%APRas low as
Terms
Rates as low as 5.49% APR with max terms up to 84 months.
Auto loan score 73 · Carrot Score 76
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
Without auto debit. Applicant must have a 640+ credit score (if joint, at least one applicant must have 640+). 2019-2021 vehicles eligible up to 60 months; newer model years up to 75 months.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years (2020-2026). Payment example per $1,000-Maximum Term is $18.00.
Auto loan score 73 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Up to 63 months. Rates shown are as low as.
Auto loan score 73 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Vehicle age less than 5 years old. Minimum credit score required for as low as rate is 720.
Auto loan score 73 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 15.49%
5.49% APR, up to 15.49%
Terms
Rates tiered by credit rating: A+ (5.49% APR), A (5.49% APR), B (5.99% APR), C (9.99% APR), D (11.49% APR), E (15.49% APR).
Auto loan score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Fixed rate on approved credit; rate is determined based on credit score and history.
Auto loan score 73 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2021 and Newer. APR as low as. Actual rate based on credit history, term, and LTV.
Auto loan score 73 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Same Rate for new, used; refinanced or lease buyout:
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 60 months.
Auto loan score 73 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
APR based on TransUnion credit score of 730 or above.
Auto loan score 72 · Carrot Score 70
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
Reflects A FICO score of 680 or higher and 1.00% reduction for automatic payment.
Auto loan score 72 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rates vary by individual credit score and may vary by the term of loan, and are subject to change.
Auto loan score 72 · Carrot Score 80
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
Daily Periodic Rate: 0.015041% - 0.045205%.
Auto loan score 71 · Carrot Score 68
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
Rate available with Automatic Payment; sample payment of $19.10 per $1,000 borrowed based on maximum term.
Auto loan score 71 · Carrot Score 76
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