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 2251–2265 of 2,904 nationwide · median 5.00% APR
- 5.65%APRas low as · up to 15.09%
5.65% APR, up to 15.09%
Terms
Model years 2021-2026. Rate based on credit history.
Auto loan score 71 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as
Terms
As low as 5.65%. Terms up to 84 months (7 years). Finance up to 100% of MSRP + sales tax for new vehicles.
Auto loan score 71 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as
Terms
Fixed APR type. APR as low as stated.
Auto loan score 71 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as
Terms
Secured loans 72-83 months require a loan amount minimum of $15k.
Auto loan score 69 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as
Terms
Current or previous year with less than 12,000; fixed APR; rates vary with credit score
Auto loan score 68 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.68%APRas low as
Terms
Minimum loan amount $10,000 required for 48 - 60-month terms.
Auto loan score 71 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
Model years 2026-2021; new autos minimum loan amount of $25,000.00 for 7 year financing
Auto loan score 76 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
The credit union utilizes risk-based pricing, so your rate may be higher depending on your credit score.
Auto loan score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as · up to 14.29%with conditions
5.69% APR, up to 14.29%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year 2023 and newer. Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid.
Auto loan score 71 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
As low as APR headline rate; term options up to 84 months.
Auto loan score 71 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
Special promotional rate. 2026 model year. Maximum 80% LTV.
Auto loan score 71 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
2023 Model Year and Newer. Minimum vehicle value $3,000. Front-end LTV <= 90%. Maximum APR 12.14%. Coupon payment increases APR by 0.25%. Monthly payment $18.40 per $1,000.
Auto loan score 71 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
Model years 2023-2027. Up to 125% financing. As low as rate assumes excellent credit history.
Auto loan score 71 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as · up to 17.99%with conditions
5.69% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest displayed rate includes discount for enrollment in automatic payments (.25% decrease). Interest Rate Increases: Your rate will increase by 1.0% if the vehicle is more than 10 model years old. Your rate will increase by 1.0% if the vehicle has mileage of 125,000 or more.
Auto loan score 68 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as for 37-66 months. Rate special reflects a 0.25% autopay discount for automatic payments from MHV checking or savings; based on credit, term of loan, and/or year of vehicle.
Auto loan score 66 · Carrot Score 68
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
- Hanscom Federal Credit UnionCredit union
- Popular DirectBank