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 2221–2235 of 2,904 nationwide · median 5.00% APR
- 5.59%APRas low as · up to 17.99%
5.59% APR, up to 17.99%
Terms
New (2021-New).
Auto loan score 68 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
APR as low as. Terms up to 96 months. Rate based on creditworthiness and term of loan.
Auto loan score 67 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
Vehicle: New & Used Autos (2027-2024)
Auto loan score 67 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: New. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account.
Auto loan score 66 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 5.59% APR for terms up to 60 months for 2022 or newer electric or plug-in hybrid vehicles. Includes 0.25% green loan discount.
Auto loan score 66 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
Advertised 'as low as' annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, model year, term, and loan amount.
Auto loan score 66 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as · up to 18.00%with conditions
5.59% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 0.25% relationship discount and a 0.50% discount for LTV <= 80%. Financing up to 125% MSRP.
Auto loan score 64 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as
Terms
Vehicle year: 2022 & Newer or previously untitled
Auto loan score 71 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as
Terms
For new and used vehicles. Available to members with qualifying credit scores.
Auto loan score 71 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as · up to 15.50%
5.60% APR, up to 15.50%
Terms
Grade A (700+): 5.60%, Grade B (650-699): 6.95%, Grade C (600-649): 9.15%, Grade D (550-599): 15.50%
Auto loan score 69 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest possible APR for qualified borrowers with credit score 750 or above, collateral LTV less than 100%, 2012 or newer model vehicle, total amount financed of $41,000, and all applicable rate discounts applied. Stated interest rate is 5.50%. Payment example: financed amount $41,000 includes 59 payments of $786.79 and 1 payment of $786.46.
Auto loan score 68 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 67 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as
Terms
NEW! 2026; with approved credit
Auto loan score 67 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as (APR). Minimum loan amount $10,000. Term up to 66 months. Rate includes up to 0.75% discounts.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.61%APRas low as
Terms
Rates as low as 4.99% (5.61% APR). Promotional rate valid Sept 1 – Oct 31, 2026. Lower rates with Auto Debit from a Quail Creek Bank account.
Auto loan score 67 · Carrot Score 88
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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank