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 2341–2355 of 2,904 nationwide · median 5.00% APR
- 5.75%APRas low as
Terms
2026 New Auto. Rates and terms may vary based upon individual credit worthiness.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 16.50%
5.75% APR, up to 16.50%
Terms
Terms anywhere from 36 to 84 months based on your credit history.
Auto loan score 69 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 69 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 15.50%
5.75% APR, up to 15.50%
Terms
Credit tiers A through E
Auto loan score 69 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 9.49%
5.75% APR, up to 9.49%
Terms
Rates range from 5.75% APR for Excellent credit to 9.49% APR for Fair credit. Actual APR determined at disbursement based on application and credit history.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
As low as 5.75% APR for new or used vehicles with terms as long as 108 months.
Auto loan score 69 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 14.25%
5.75% APR, up to 14.25%
Terms
Rates by credit tier: A+ (>= 725) 5.75%, A (660-724) 6.25%, B (620-659) 7.75%, C (600-619) 10.25%, D (<= 599) 14.25%.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rate starts at 5.75% APR for 60 months. Subject to credit approval and creditworthiness. Vehicle condition: New & Used. Stated fee: $99.00 auto loan processing fee.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
As low as 5.75% APR for new or used vehicles.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 18.75%
5.75% APR, up to 18.75%
Terms
60 Months; minimum APR requires Silver credit tier (729 - 670), maximum APR for Quartz credit tier (569 and under). Financing up to 100% (10% for Quartz).
Auto loan score 69 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rates effective for current and past three model years. Assumes excellent credit history. Simple interest with no pre-payment penalty. Up to 135% financing available for qualified applicants. Approximate monthly payment is $358.82 on a $20,000 loan.
Auto loan score 69 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 11.95%
5.75% APR, up to 11.95%
Terms
Credit score 600 - 730+; Maximum advance 85% - 125%; Maximum amount $22,000 - $60,000; Debt to income 35% - 45%; Deduct .25% from interest rate if payment is automatically deducted from checking account
Auto loan score 69 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rates starting as low as 5.75%.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Credit score A / 700+.
Auto loan score 69 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
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