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 2236–2250 of 2,904 nationwide · median 5.00% APR
- 5.61%APRas low as
Terms
Rates as low as based on credit score. Repayment terms up to 84 months; over 72 months add 0.50%. Stated APR includes $75.00 processing fee (example monthly installments of $653.86 based on $25,000.00 loan amount over 60 months). Applicable to new and used vehicles.
Auto loan score 71 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.62%APRas low as
Terms
Financing available up to 100% of purchase cost. Term is 5 years/60 months. Minimum loan amount $1,000. Rates as low as 5.615% APR.
Auto loan score 66 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.62%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
LOAN TYPE: 2023 - newer. Advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay.
Auto loan score 65 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
New Auto - 60 month term. Year of vehicle 2022-2024. Rate type Fixed.
Auto loan score 76 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
New vehicles: new and late model used vehicles (less than 1 year old) with 5,000 or fewer miles.
Auto loan score 71 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Model Year 2023-2027. Example payment: $353.21 on a $20,000 loan. Listed rates are for purchases only.
Auto loan score 71 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for New & Used (model year 2024 & newer). Up to 125% of LTV. Rate includes 0.25% autopay discount. Terms up to 7 years (84 months). Rates as low as stated based on credit evaluation.
Auto loan score 71 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Applicable to 2025 and newer autos. Repayment terms up to 72 months. Minimum rate reflects best credit tier; rates are based on credit score and subject to change.
Auto loan score 71 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Rate as low as; based on credit approval and underwriting criteria.
Auto loan score 71 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Vehicle condition and year: New, Used: 2027, 2026, 2025. Minimum Loan $4,000. Rates as low as. Actual interest rate based on overall creditworthiness. 0.25% reduction with online application, electronic closing and automatic payment.
Auto loan score 68 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Up to 60 mo. Est. monthly payment $19.21 per $1,000. Current and previous year's models. Actual rates and terms vary based on credit history, loan amount, and collateral.
Auto loan score 67 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Vehicle age: New 2025/2026
Auto loan score 66 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Premier APR; As low as
Auto loan score 66 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as
Terms
Max mileage 150k gas / 200k diesel. Purchase/Refi LTV up to 125%. Actual term available is based on borrowing amount.
Auto loan score 71 · Carrot Score 69
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