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 211–225 of 2,940 nationwide · median 5.00% APR
- 4.00%APRas low as
Terms
Credit score A 700 and up.
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 10.75%
4.00% APR, up to 10.75%
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 10.25%
4.00% APR, up to 10.25%
Terms
Zero Down Payment. Performance based lending rates apply.
Auto loan score 92 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Loan Special at 4.00%
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates shown reflect maximum discounts available and are based on individual's creditworthiness. Maximum loan amount is $35,000.00.
Auto loan score 89 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
2025 & 2026; as low as.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
5 years or less. As low as 4.00%* with auto-pay.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as · up to 16.00%
4.00% APR, up to 16.00%
Auto loan score 86 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.07%APRas low as
Terms
Rate as low as 3.99%, APR as low as 4.07%. Based on credit history. Costs vary from $45-$75 and are assessed by loan amount. 96 monthly payments of $12.19 per $1,000 borrowed.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as
Terms
As Low As. Vehicle qualifies for 'New' rates if it is the current model year or up to two model years old and has no more than 15,000 miles per model year. Individual loan rates may vary based on credit worthiness, account relationships, loan-to-value and loan terms.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
The 'as low as' rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.90% APR auto payment discount.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.10%APRas low as
Terms
Rates as low as 4.10% APR for new, used, or refinanced auto loans. APR is based on creditworthiness and may vary. Example: $10,000 auto loan for 36 months at 4.10% APR has a monthly payment of $295.71. Extended terms require minimum loan amounts.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.10%APRas low as
Terms
2026 under 15,000 miles.
Auto loan score 92 · 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
2,940 banks and credit unions · checked Oct 16–23
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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
- Synchrony BankBank