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 2176–2190 of 2,904 nationwide · median 5.00% APR
- 5.50%APRas low as · up to 9.95%
5.50% APR, up to 9.95%
Terms
Rates span credit tiers A (690+, 125% LTV) through E (549 & below, 100% LTV). Max aggregate amount $35,000 for A and B tier only.
Auto loan score 67
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
Rate includes Auto-pay (Direct Deposit) discount. Requires maintaining a minimum $100 share balance.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as · up to 10.50%
5.50% APR, up to 10.50%
Terms
Rates by credit tier: A+ (730+) 5.50%, A (680-729) 5.75%, B (630-679) 6.50%, C (600-629) 8.25%, D (599 and below) 10.50%. Stated rates are for New collateral.
Auto loan score 66 · Carrot Score 72
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
As low as 5.50% APR. Rates apply to new vehicles. Includes 0.25% deduction for direct deposit of >=$250/mo into NJFCU checking. Autos >$100K +0.25%, >$200K +0.50%. Document preparation fee $159.00 applies.
Auto loan score 66 · Carrot Score 63
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
Includes a 0.25% rate reduction for automatic payment from a Stafford Savings Bank checking account. Payment is $19.11 per $1,000.
Auto loan score 66 · Carrot Score 63
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
With direct deposit. Payment per thousand is $19.10. Rate includes maximum available direct deposit discount.
Auto loan score 65 · Carrot Score 74
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
Rate includes a 1.00% rate discount for automatic payments out of an active Horizon checking account. Advertised rate can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union.
Auto loan score 63 · 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
APR includes 1.73% discount for auto debit from any USB Checking account (rate could increase if auto payment is cancelled, balance does not support payments, or account is closed). APR of 5.50% based on 7.00% interest rate less discount for 60 months, $25,000 principal balance and $142.50 in loan fees. Requires credit score of 680 or higher.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 5.51%APRas low as
Terms
Rates as low as. Based on vehicle/vessel year, underwriting, and/or amount borrowed.
Auto loan score 68 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.52%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Auto - 2025-2027. Minimum loan amount $2,000 on terms up to 75 months. Advertised APR includes 0.25% discount for automatic payments from Direct Rewards, Emerald, or High Interest checking.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.53%APRas low as
Terms
Rates and payment examples assume excellent borrower credit history, a 60-month term and an LTV of 90% or less. Rate applies to loan amounts up to $100,000 (minimum loan amount $3,750). Terms up to 96 months and borrowing up to 115% LTV are available at higher rates based on creditworthiness. $20,000 minimum amount financed required for terms of 85-96 months. Optional payment deferral allows interest to accrue during 90-day period.
Auto loan score 69 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.53%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: 2026 to 2027. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account.
Auto loan score 68 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
No application fee. Terms up to 60 months. Lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on credit history, vehicle year, and loan terms.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 6.49%
5.54% APR, up to 6.49%
Terms
Rates expressed as low as. Minimum loan amount of $25,000 required for terms above 73 months. Applicable for the purchase of a new, used, or refinance vehicle.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
60 months. Rates as low as shown.
Auto loan score 72 · Carrot Score 87
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
2,904 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