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 2311–2325 of 2,904 nationwide · median 5.00% APR
- 5.74%APRas low as
Terms
Model Year 2027, 7,500 miles or less. APR as low as. Rates based on evaluation of applicant credit.
Auto loan score 67 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 14.49%
5.74% APR, up to 14.49%
Terms
Monthly payment per $1,000: $19.21 - $23.52
Auto loan score 67 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Up to 60 months. 120% NADA on 2016 and newer models.
Auto loan score 67 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
New (<10K miles). As low as rate. Private party sales do not qualify for New Vehicle rates.
Auto loan score 67 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.00%
5.74% APR, up to 17.00%
Terms
Rates are based on credit score/history and number of rate discounts up to 0.75% (excluding promotions). Minimum share balance of $25.00 required.
Auto loan score 66 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Rate is APR as low as. Monthly payment example: $18.43 per $1,000 borrowed based on a 63 month term (or $368.43 for a $20,000 loan). Subject to creditworthiness, qualifications, collateral conditions, and approval.
Auto loan score 66 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Rate available to highly qualified members. Payment of $192.12 based on $10,000 financed.
Auto loan score 66 · Carrot Score 75
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 year 2024. Loan amount $20,000. Available to well-qualified borrowers; includes a 0.25% discount with qualifying checking account. Not available to refinance existing Dollar Bank loans.
Auto loan score 66 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 66 · Carrot Score 77
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 Years 2026-2022; payment per $1,000 is $18.43; includes 0.25% discount with auto pay from any IC account or from any other financial institution
Auto loan score 66 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 6.65%with conditions
5.74% APR, up to 6.65%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2026 - 2025. Stated interest rate: 4.85% - 5.75%. Example payment per $1,000 borrowed: $14.49 - $14.93. Credit Scores must be at least A or B rating to receive 84 month term loan.
Auto loan score 66 · Carrot Score 82
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
Rates shown are for well qualified borrowers. Actual rates may vary based on credit history, loan purpose, amount, loan-to-value, term, and vehicle year. Includes a 0.25% discount for borrowers who set up Auto Pay at loan closing and finance a 2019 or newer vehicle with a term of 66 months or less. Auto pay is optional.
Auto loan score 66 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.74%
5.74% APR, up to 17.74%
Terms
Model year 2025 & newer. Rates range from Base (5.74%) up to +1200 tier (17.74%) depending on credit score.
Auto loan score 66 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 18.00%with conditions
5.74% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New or used autos; valid for new and used personal vehicles only. Reflects all possible discounts. Rate is fixed.
Auto loan score 66 · Carrot Score 79
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