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 2101–2115 of 2,912 nationwide · median 5.00% APR
- 5.49%APRas low as
Terms
Rates as low as 5.49% APR for 2024 and newer models. Terms up to 84 months. Rate is an estimate and may vary by term selected.
Auto loan score 69 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - North Iowa Community Credit UnionNew/Program Vehicles - 750+ Beacon Score · up to 60 months
Credit union
5.49%APRas low asTerms
Rates as low as 5.49% APR for 60 Months. Assumes 750+ Beacon score.
Auto loan score 69 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New Vehicles (2025 or newer). Rates quoted as low as; actual rate based on credit history. Shared rates schedule from p80.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
For qualified borrowers only. Subject to credit approval.
Auto loan score 69 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Fixed APR as low as for up to 66 months
Auto loan score 69 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rate based on creditworthiness and term.
Auto loan score 69 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model Year 2024.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - Weld Community Credit UnionNew & Pre-owned Vehicles (Model Years 2023 - 2027) · 49–60 months
Credit union
5.49%APRas low asTerms
For well qualified borrowers; varies based on credit history and other factors.
Auto loan score 69 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Applies to model years 2026-2023. Credit scores above 600. Add 3% for credit score below 600; add 4% if discharged bankruptcy. For 84 months (minimum $35,000), add 1%.
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Applies to model years 2017 - 2026 / vehicles 10 years old or less with less than 150,000 miles. Terms up to 84 months.
Auto loan score 68 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Applies to NEW: 2025 - 2026 vehicles. Payment per $1,000 borrowed is $19.10. Interest rate will vary depending on credit score, term, and year of auto. Subject to credit and underwriting approval.
Auto loan score 68 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 17.74%
5.49% APR, up to 17.74%
Terms
APR ranges from 5.49% for 740+ credit score to 17.74% for 579 and less credit score.
Auto loan score 68 · 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
Model years 2023-2026. Advertised APR is lowest available based on a credit score of 700 and maximum LTV of 120% of retail or MSRP value. Published rate includes a 0.25% discount for automatic payments from an internal People's checking account.
Auto loan score 67 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Access Community Credit UnionAuto Loans - New Vehicles - 5 years and newer · 37–72 months
Credit union
5.49%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes All Access member discounts; vehicle must be 5 years old or newer and meet mileage requirements.
Auto loan score 66 · Carrot Score 80
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%
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank