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 196–210 of 2,932 nationwide · median 5.00% APR
- 3.99%APRas low as
Terms
Rates as low as 3.99% for 60 months on New vehicles. APR could vary based on credit history, age of collateral, and length of term.
Auto loan score 86 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Payment per $1000 is $15.64. No down payment required.
Auto loan score 86 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - Sweet Home Federal Credit UnionNew Automobile – Model years 2025 or newer · up to 72 months
Credit union
3.99%APRas low asTerms
As low as rate.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model Year: New or Used Vehicle, 2022 and Newer. Military APR: 1% rate discount available to Active Duty, Veterans, and Retirees with full direct deposit of $2,000+ into checking and military status verification. Cannot be combined with other discounts.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Variable rate. 'As low as' rate for members with excellent credit. $0 down payment required. 84-month term requires vehicle loans of $25,000 or more. Minimum APR for variable rate secured financing is 3.25% APR (except for promotions); maximum APR is 18%. Vehicles over 100,000 miles add 2% (max 115,000 miles); vehicles over 10 years add 2%.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
As low as APR based on credit worthiness. Monthly payment per $1,000 borrowed is $18.42.
Auto loan score 94 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Model year 2026-2027. Rates based on credit score, term, and vehicle age. Rates subject to change and credit approval.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Disclosed consumer rate is for top tier credit (740+ score) for shortest available term and includes a 0.25% APR discount for having a checking account with direct deposit and automatic payment set up for the loan. Terms up to 84 months available for new or used vehicle purchase or refinance.
Auto loan score 94 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Model year 2016-New. Credit score Tier 1: 750 and up.
Auto loan score 94 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
As low as rate
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 18.00%
4.00% APR, up to 18.00%
Terms
Auto (New and Used). Member's category determined by credit ratings and other criteria; in joint applications, highest credit score used. Stated as Annual Percentage Rate. Term up to 84 Months.
Auto loan score 94 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Maximum Age of Vehicle: 10 Years; Maximum Mileage: 150,000; Maximum Loan to Value (LTV): 125% *; Payment per $1,000 Borrowed: $18.42 **; FLAT-RATE AUTO LOAN SPECIAL UNTIL 10/31/2026
Auto loan score 94 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Credit score A 700 and up.
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 10.75%
4.00% APR, up to 10.75%
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 10.25%
4.00% APR, up to 10.25%
Terms
Zero Down Payment. Performance based lending rates apply.
Auto loan score 92 · Carrot Score 69
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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
- Synchrony BankBank