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 2161–2175 of 2,912 nationwide · median 5.00% APR
- 5.50%APRas low as
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Auto Loan Promotion. Fixed rate/term. No prepayment penalties. Financing available for pre-owned or new vehicles. Fast application process. No payments due for 90 days. Application fee of $25.
Auto loan score 68 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
As low as rate for terms up to 72 months on new cars. A 72-month loan with a 5.50% APR has an estimated monthly payment of $16.34 per thousand dollars borrowed. May be eligible for longer terms subject to approval at potentially higher rates.
Auto loan score 68 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Model year 2026 & 2025
Auto loan score 68 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Applies to New & Used 2026 - 2024 model years.
Auto loan score 68 · Carrot Score 82
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 APR.
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 68 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 17.99%
5.50% APR, up to 17.99%
Auto loan score 68 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Starting rate (Daily Periodic Rate starting at 0.01507%). Model years 2026-2023.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Rate based on creditworthiness and term of loan. All loans are subject to approval. Rates may vary due to credit rating.
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 6.50%
5.50% APR, up to 6.50%
Terms
Credit score 600+. Standard Financing across credit tiers (720+: 5.50%, 660-719: 6.00%, 600-659: 6.50%).
Auto loan score 68 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Platinum credit tier (FICO score of 730 or greater). Rates are tiered based on member credit score. Other restrictions may apply. All loans subject to credit approval.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 68 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Model year 2022 or 2023; required credit score 650; maximum amount 100% of retail.
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Rates as low as.
Auto loan score 67 · Carrot Score 65
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