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 2266–2280 of 2,904 nationwide · median 5.00% APR
- 5.70%APRas low as
Terms
For up to 60 months available on year models 2025, 2024, 2023, 2022, and 2021. Rates based on creditworthiness. Rate discounts can be applied, but cannot cause the rate to fall below the 5.70% APR minimum. May require little or no down payment. Payment example: loan of $10,000 at 5.70% APR for 60 months has monthly payment of $191.90.
Auto loan score 70 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as
Terms
2021
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as
Terms
Model year 2023 and newer. Rates as low as stated. Minimum loan amount usually $5,000; minimum loan amount for terms greater than 63 months is $10,000; minimum loan amount for terms greater than 75 months is $20,000.
Auto loan score 70 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as · up to 7.95%
5.70% APR, up to 7.95%
Terms
Subject to credit approval. Terms, conditions, and restrictions apply. Existing Security First Credit Union auto loans are not eligible for refinancing.
Auto loan score 70 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as
Terms
Maximum loan term 63 months.
Auto loan score 68 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Greater Pittsburgh Federal Credit UnionNew Automobile, Pickup, Van, & SUV · 49–60 months
Credit union
5.70%APRas low asTerms
Rates are as low as and based on credit score.
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as · up to 16.00%
5.70% APR, up to 16.00%
Auto loan score 67 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as
Auto loan score 67 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
$25,000 minimum loan amount; new vehicles only. Rate based on creditworthiness. Daily periodic rate is 0.01573%.
Auto loan score 86 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
New Vehicles (2026); 2026 vehicles under 6,000 miles financed as new for purchases.
Auto loan score 72 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Rate as low as 5.49% with APR 5.74%. Example assumes borrowing $25,000 with a $149 loan processing fee (total loan amount $25,149) on a 60-month term.
Auto loan score 70 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Stated APR is for well-qualified borrowers and applies to auto loans originated in Colorado. Rate varies based on credit history, loan term, loan-to-value, and age of auto. Membership qualification required.
Auto loan score 70 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Minimum loan amount $10,000+. 60 monthly payments of $19.22 per $1,000 borrowed.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 70 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.99%
5.74% APR, up to 17.99%
Terms
Subsequent rate after 3-month promotional period for refinance loans. Rate determined based on credit history, model year, term, and location.
Auto loan score 70
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%
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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
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