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 2056–2070 of 2,912 nationwide · median 5.00% APR
- 5.49%APRas low as
Terms
Year 2026-2027. Lowest rate quoted; rate varies based on creditworthiness, age or value of the vehicle, amount financed, and terms and conditions. Payment example: $16.33 per month for each $1,000 borrowed at 5.49% APR for 72 months. Minimum loan $20,000.
Auto loan score 70 · Carrot Score 73
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
Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance.
Auto loan score 70 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2026 & Newer. Maximum financing up to 130% of Dealer Invoice or Wholesale Value.
Auto loan score 70 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New vehicles. Rate is based on applicant creditworthiness.
Auto loan score 70 · Carrot Score 89
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
Up to 63 Months. Rates as low as stated for members with payroll deduction or automatic payment (otherwise increased by 0.25%). Borrowers of promotional refinance or purchase offer will skip first two payment cycles and then make 63 consecutive monthly payments.
Auto loan score 70 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 17.64%
5.49% APR, up to 17.64%
Terms
No Minimum loan value. Based on an APR of 5.49%, monthly payment on a $10,000 loan amount and a 60-month term would be $191.37.
Auto loan score 70 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)
Auto loan score 70 · Carrot Score 72
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
Financing up to 100% of purchase. Rates reflect all possible discounts. Rate based on loan term and creditworthiness.
Auto loan score 70 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term.
Auto loan score 70
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
Fixed rate, terms up to 72 months with no more than 12,000 miles. The interest rate, term, and down payment on each loan are based on the creditworthiness of each individual borrower.
Auto loan score 70 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model Year 2026+. Advertised as low as 5.49% APR. Subject to credit approval.
Auto loan score 70 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 18.00%
5.49% APR, up to 18.00%
Terms
Lowest rate requires A+ (>740) credit score; rates increase across credit tiers A through <600.
Auto loan score 70 · Carrot Score 92
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
Model Year 2022 - 2026. Rate shown as low as for qualified borrowers with eligible Peak Perks Checking or Summit Dividend Checking account. Payment example: 63 monthly payments of $183.06 per $10,000 borrowed at 5.49% available for qualified borrowers.
Auto loan score 70 · Carrot Score 70
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
Advertised as low as rate includes 0.50% discount for disclosing intention to purchase electric vehicle at application. Based on credit history evaluation.
Auto loan score 70 · Carrot Score 73
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
With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles.
Auto loan score 70 · Carrot Score 87
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