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 2281–2295 of 2,904 nationwide · median 5.00% APR
- Diamond Credit UnionNew / Used Auto Loan (Current model year and up to 5 years old) · up to 72 months
Credit union
5.74%APRas low asTerms
Current model year and up to 5 years old. Rates as low as.
Auto loan score 70 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Rate is 'as low as' based on creditworthiness. Rate applies to new or used vehicles.
Auto loan score 70 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 70 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - First Federal Savings Bank of AngolaAutos, Light Trucks, Boats, RVs, Personal Watercraft, Snowmobiles, Motorcycles, Trailers, and ATVs · up to 60 months
Bank
5.74%APRas low asTerms
2026 - 2024 model years. Loan to value ratio <= 100%.
Auto loan score 70 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Model year 2023-2026. Rate as low as with approved credit.
Auto loan score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
New (never titled) auto loans
Auto loan score 70 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 70 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
APR as low as stated; based on creditworthiness and product type.
Auto loan score 70 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model years 2026-2025. Standard rate without relationship discount. With max relationship pricing discount (0.75%), rate is 4.99% APR.
Auto loan score 70 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 13.74%
5.74% APR, up to 13.74%
Terms
Model Years 2020 & Newer. Loan amount: $10,000+. Payment example: A loan at 5.74% APR would require 60 monthly payments of $19.21 per $1,000 borrowed.
Auto loan score 70 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: 2026-2024. Available to well-qualified borrowers. Advertised APR includes a total 0.30% discount (0.10% each for maintaining open checking with positive balance every 30 days, auto-pay from Lighthouse account, active credit card). Must request discount within 90 days of closing.
Auto loan score 70 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 70 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Monthly payment per $1000 is $19.22. Titled passenger vehicles new and used up to 10 model years old.
Auto loan score 70 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Best Rate APR.
Auto loan score 70 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Model years 2023 - 2026.
Auto loan score 70 · Carrot Score 87
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
- Hanscom Federal Credit UnionCredit union
- Popular DirectBank