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 2356–2370 of 2,904 nationwide · median 5.00% APR
- 5.75%APRas low as
Auto loan score 67 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rate display 60 month term. Terms up to 72 months. Rate and term subject to credit approval.
Auto loan score 66 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Starting APR; rates based on credit review.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rate based on creditworthiness and loan term. 'Rates start at'.
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 66 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rates start at stated APR.
Auto loan score 66 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
APR as low as 5.75% for 60-75 months. Determined by credit history. Example: new auto loan of $20,000 for 60 months @ 5.75% APR may have a monthly payment of $385.20.
Auto loan score 66 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
100% of sticker price may be financed. Applies to new purchases only.
Auto loan score 65 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Terms up to 60 months
Auto loan score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2025 + Newer Models. Available for $10,000 or greater. Includes 0.25% autopay discount.
Auto loan score 65 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 65 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as · up to 8.75%
5.75% APR, up to 8.75%
Terms
Secured loan. Loan to value: 100% of INV OR NADA RETAIL. Model years 2027-2024. Tier 1 (score 700+) rate is 5.75%, Tier 2 (650-699) adds 1% (6.75%), Tier 3 (649 and below) adds 3% (8.75%). Joint applicants based on higher score. VSI Insurance applied based on credit score.
Auto loan score 65 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
0% down payment required
Auto loan score 65 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Annual Percentage Rate (APR) as of 10/22/2026 may be as low as 5.75%. APRs assume excellent borrower credit history. Reflects a 0.25% reduction in rate for auto-payment from a Newburyport Bank deposit account. Up to 110% LTV.
Auto loan score 65 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate may be as low as 5.75% APR. Rate reflects a 0.25% reduction for auto-payment from a Pentucket Bank deposit account. Up to 110% LTV. Vehicle model age must be new (current calendar year or coming year).
Auto loan score 65 · 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