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 2296–2310 of 2,904 nationwide · median 5.00% APR
- 5.74%APRas low as · up to 14.24%
5.74% APR, up to 14.24%
Auto loan score 70 · Carrot Score 79
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
Rates quoted are subject to change. Some restrictions may apply.
Auto loan score 70 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Collateral: 2020 - 2026 model years. Fixed rate.
Auto loan score 70 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
APR as low as stated rate for terms up to 60 months.
Auto loan score 70 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Seattle Credit UnionAuto & Motorcycle Loans (New or Used, Models 10 Years and Newer) · up to 60 months
Credit union
5.74%APRas low asTerms
As low as rate for 60 month term. Maximum loan amount $150,000. Estimated monthly payment per $1,000 is $19.22.
Auto loan score 70 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Promotional special rate as low as 5.74% APR. Valid for applications submitted between 2024-12-01 and 2024-12-31.
Auto loan score 70 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 18.00%
5.74% APR, up to 18.00%
Terms
Paper A+ 53 (800 & Higher) through Paper E (<600). Stated APR ranges from 5.74% to 18.00% across credit score tiers.
Auto loan score 70 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Autos 2022-New. Payment example: $20,000 at 5.74% for 60 months = $384.24/mo. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required.
Auto loan score 70 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Rates as low as 5.74% APR. 100% financing with flexible terms up to 84 months available. Subject to credit approval. Vehicle model 10 years and newer, max mileage 125,000 miles.
Auto loan score 70 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.49%
5.74% APR, up to 17.49%
Terms
New and used auto loans for terms of 60 months or less. Lower rates apply to well-qualified applicants.
Auto loan score 70 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Payment example: $480.39 on a $25,000 loan.
Auto loan score 70 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 18.00%
5.74% APR, up to 18.00%
Terms
Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and whether the vehicle is new or used. Must have A or B credit to receive 90 days of no payments (negative amortization may occur). Terms available 6 to 84 months.
Auto loan score 70 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 68 · Carrot Score 63
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
2025 – Newer. With Autopay Discount. As low as rate based on 760+ Credit Score and Auto Pay. Floor rate of 5.490%. Additional Discounts Available.
Auto loan score 67 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 16.99%with conditions
5.74% APR, up to 16.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes a 0.25% discount for auto-pay. Payment example: $288.18/month based on 5 year term, $15,000 loan at 5.74% APR.
Auto loan score 67 · Carrot Score 65
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