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 2326–2340 of 2,904 nationwide · median 5.00% APR
- 5.74%APRas low as
Terms
For 2024 and newer model year vehicles.
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
Up to 66 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness.
Auto loan score 66 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Subject to membership length, credit score, and credit approval. Loans in A or B tier may have up to 0.50% buy down rate based on additional products/services. Vehicles with 120,000 miles or more add 0.50% to rate. Vehicles 8 years and older may be classified as other collateral. Never titled.
Auto loan score 66 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Length of loan 5 Years. Credit scores of 750+ will lower the rate. Rate based on creditworthiness and term of loan.
Auto loan score 66 · Carrot Score 73
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
Reflects 0.25% discount for automatic payments. Minimum loan amount $5,000. Limited time offer.
Auto loan score 65 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.24%
5.74% APR, up to 17.24%
Terms
New Car, Trucks, Motorcycles, Boats, and Motor Homes (2024 and newer). Term 61 - 72 months. Minimum loan amount $20,000. Regular, non-promotional rates range between 4.49% – 17.24% APR based on credit history.
Auto loan score 65 · Carrot Score 71
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
APR as low as 5.74%. Rate reflects 0.50% discount for AutoPay and varies by credit qualifications, term, and age of collateral. Vehicles 2021 and older subject to a rate increase.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
New vehicles only; loan terms up to 84 months.
Auto loan score 80 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 69 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Fixed rate. Credit subject to approval; final APR may be higher based on creditworthiness. Financing available up to 100% of MSRP.
Auto loan score 69 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rates starting as low as 5.75% APR and flexible terms up to 96 months. Minimum loan amount $5,000. Not all applicants will qualify for the lowest rate or longest term.
Auto loan score 69 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Model year 2026-2022.
Auto loan score 69 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rate advertised as low as 5.75% APR. Terms up to 72 months. Purchase and refinance loans, new or used vehicles.
Auto loan score 69 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 69 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Up to 5 years (60 months). For new and used autos.
Auto loan score 69 · 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?
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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