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 2131–2145 of 2,912 nationwide · median 5.00% APR
- 5.50%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment per $1000 borrowed is $19.11.
Auto loan score 72 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Vehicle 12 years old or less. APR is based on creditworthiness/credit score/Beacon score.
Auto loan score 72 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - Holy Family Parma Federal Credit UnionNew Cars & Used Cars (2026 – 2025, 2024) · up to 60 months
Credit union
5.50%APRas low as · up to 7.50%5.50% APR, up to 7.50%
Terms
Beacon Score 625 to 725+; rate varies by Beacon Score (725+: 5.50%, 675-724: 6.50%, 625-674: 7.50%)
Auto loan score 72 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Model Year: New. Maximum term up to 84 months. APR rate adjusts with term. Rate determined by underwriting guidelines including credit score.
Auto loan score 72 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Stated APR reflects 0.25% discount for Qualified Direct Deposit and auto debit, and 0.125% discount for qualified fuel efficient vehicle.
Auto loan score 72 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Up to 100% financing (including tax and tags). Rate based on borrower's creditworthiness and subject to change without notice. Terms up to 84 months.
Auto loan score 72 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 14.50%
5.50% APR, up to 14.50%
Terms
APR depends on credit score and year of vehicle. Rate and term matching on vehicles for members with 680+ credit scores. All loans subject to max 18% interest. No prepayment penalties or hidden charges. Terms up to 60 or 84 months depending on page.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Models 2024 And Newer. Creditworthiness determines rate and terms.
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
APR as low as stated
Auto loan score 72 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Base rate for A+ credit tier (score 700+, max debt ratio 35%).
Auto loan score 72 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - Pitney Bowes - Employees Federal Credit UnionAuto Loan Rates for Models 2022 or Newer · up to 60 months
Credit union
5.50%APRas low asTerms
Minimum loan amount: $8,000
Auto loan score 72 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Rate is 'as low as' and subject to credit approval; rate may vary based on creditworthiness and term. Terms up to 72 months and up to 100% financing.
Auto loan score 72 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Model Year 2023 & newer. Actual rates and terms vary based on credit history.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 5.50% APR. Same low rate for new or used cars up to 8 years old, and refinance auto loans. Rate rebate available with Tongass Checking. Based on approved credit.
Auto loan score 72 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Vehicle that is 2024 or newer and with 40,000 or less miles. Maximum term is subject to loan amount and borrower qualifications.
Auto loan score 72 · 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
2,912 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