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 2071–2085 of 2,912 nationwide · median 5.00% APR
- 5.49%APRas low as
Terms
Payment per $1,000 is $19.10. As low as rate shown.
Auto loan score 70 · Carrot Score 74
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
Maximum 5 years to repay. Minimum amount financed $10,000. Rate includes discounts.
Auto loan score 70 · 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
Up to 75 months (61 – 75 month term only for requested amount of min. $15K or greater, based on MSRP). 5.49% rate requires automatic payment and 60-month max term (otherwise add 0.25% for coupon payment).
Auto loan score 70 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 19.00%
5.49% APR, up to 19.00%
Terms
Minimum loan amount is $5,000 (exceptions possible for < $5,000).
Auto loan score 70 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model Year 2025-2027 - NEW. APR disclosed is for 'A' credit; rates are based on representative credit score and LTV. Vehicle is considered used for any model year if it has 20,000 or more miles.
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: 2025-2027 - NEW. Fixed APR disclosed is for 'A' credit and may not be applicable to all. Rates are based on representative credit score and LTV. Rate subject to change.
Auto loan score 70 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New auto (current model year or prior model year with less than 10,000 miles). Financing up to 120% of invoice. $15,000 minimum loan amount. Payment per $1,000: $17.59. FICO Score determines maximum amount, term, and interest rate.
Auto loan score 70 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New vehicles (model years 2026 - 2025). Collateral subject to approval. Rates based on creditworthiness.
Auto loan score 70 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Minimum loan amount $15,000. Rates and terms dependent on creditworthiness.
Auto loan score 70 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New Vehicle - 2025 & 2026. Actual rate may vary depending on credit history, loan term, and equity in vehicle.
Auto loan score 70 · Carrot Score 82
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 reflects a 0.25% discount for direct deposit/payroll deduction of loan payments. Monthly payment is $19.10 per $1,000 borrowed.
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 autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reduced APR as low as 5.49% requires Automatic Payment scheduled from a Priority Plus FCU Checking Account. Financing up to 100% MSRP for qualified members.
Auto loan score 70 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
As low as 5.49% APR*
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
2021 - Current New or Used Auto.
Auto loan score 70 · Carrot Score 81
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
As low as rate for best credit. Includes 0.25% automatic transfer discount. Monthly payment per $1,000 borrowed is $19.10. Longer terms available on qualifying loans.
Auto loan score 70 · Carrot Score 83
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