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 2191–2205 of 2,904 nationwide · median 5.00% APR
- 5.54%APRas low as
Terms
2025 & newer model years
Auto loan score 72 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
2023 and newer vehicles. Fixed APR as low as 5.54%. Monthly Payment Per $1,000 Borrowed is $19.12 for maximum term of 6 Years.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 16.65%with conditions
5.54% APR, up to 16.65%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle: 2024 and Newer, 79,999 miles or less; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (5.54% APR, 4.95% contract rate) to 609 or lower (16.65% APR, 16.00% contract rate)
Auto loan score 72 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2023 & Newer vehicle. Advantage Program rate. APR based on $20,000 loan with $124 doc fee amortized over 51 months.
Auto loan score 72 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
Floor / as low as APR for new and used vehicles up to 5 years old. Model years 2016-2021 are 1% higher; model years <= 2015 are 2% higher. No payment required for 60 days (interest accrues). Refinance of existing NASA FCU loan requires $1,000 cash out and minimum $5,000. No prepayment penalties.
Auto loan score 72 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
Interest rate as low as 5.54%. Example payment $20.00 per $1,000.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
2024-Newer model year vehicles.
Auto loan score 72 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
As low as rate for qualified borrowers.
Auto loan score 71 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
New (2023 – 2026) vehicles. Rate stated as as low as 5.54% for 60 mos. Maximum term 84 months.
Auto loan score 69 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
As low as. Rate determined at application and may be higher.
Auto loan score 69 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 63 months. Advertised fixed rate is as low as 5.54% APR and includes 0.25% autopay/direct deposit discount. Monthly payment per $1,000 is $18.33.
Auto loan score 68 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 16.74%
5.54% APR, up to 16.74%
Terms
Model year 2025 - Newer.
Auto loan score 68 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Member Rewards (includes 0.25% discount). Up to 66 months. 100% financing available to qualified borrowers.
Auto loan score 68 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% reduction for automatic payments from an Affinity account.
Auto loan score 66 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.55%APRas low as
Terms
Model years 2023 - 2027. Minimum credit score of 750+ required. New money only; Kemba refinances do not apply. Example loan in the amount of $25,000.00 for 63 months, monthly payment of $456.55, interest rate 5.39% and APR 5.55%.
Auto loan score 72 · Carrot Score 86
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