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 2146–2160 of 2,912 nationwide · median 5.00% APR
- 5.50%APRas low as
Terms
Loan term up to 60 months. Rates based on applicant's creditworthiness.
Auto loan score 72 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Rates are as low as stated and depend on evaluation of applicant credit, term, and loan to value.
Auto loan score 72 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Subject to credit score and year of vehicle. Floor rate is 2.99%.
Auto loan score 72 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Model years 2024-2026. Rates based upon individual credit; subject to credit approval.
Auto loan score 72 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 17.95%
5.50% APR, up to 17.95%
Terms
Credit Score 780+ (Tier A++) to 600 - 639 (Tier C); Tier D & E (599 Or <) CALL
Auto loan score 71 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 69 · Carrot Score 65
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
Limited time promotional offer for new and used vehicles, model years 2021-2025. Advertised rate includes 0.50% discount with autopay from a Bank of Easton checking account. 10% downpayment required.
Auto loan score 69 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
2026 (& 2025) vehicles; max amount 125% of retail value; rate determined by borrower's credit rating and may be as low as stated rate.
Auto loan score 69 · Carrot Score 78
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
5.50% Annual Percentage Rate (APR) with 700+ credit score, primary checking account with First National Bank, auto pay from account and 2+ accounts with First National Bank. Loans subject to credit approval. Auto pay not required to obtain credit. Financing available for any term. No additional rate discounts apply.
Auto loan score 69 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
84 months max term. Rates are based on Applicant’s Credit Bureau score.
Auto loan score 69 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - Memorial Employees Financial Credit UnionAuto Loans (with 10% Down Payment) · up to 72 months
Credit union
5.50%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model/Year 2023-2026. Rate includes 0.25% discount for auto payroll deduction.
Auto loan score 69 · Carrot Score 69
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
Lowest advertised APR of 5.50% is available for a 48-month loan term when borrower qualifies for all three available rate discounts: borrower is a current NSFCU member, automatic payment is established from a NSFCU account (0.25% discount), and loan-to-value (LTV) is less than 80% (0.25% discount). Available terms up to 84 months.
Auto loan score 69 · Carrot Score 87
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
Vehicle Year: 2026 - 2025. Term: 60 Months. Rates include risk based pricing and relationship discount.
Auto loan score 69 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 11.00%
5.50% APR, up to 11.00%
Terms
Non-variable APR. Never titled and less than 5,000 miles. Up to 120% loan to value.
Auto loan score 69 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Rates are based on credit score, so your rate may differ. Rates stated "as low as".
Auto loan score 68 · Carrot Score 71
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