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 226–240 of 2,940 nationwide · median 5.00% APR
- 4.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects additional 0.25% APR reduction when enrolled in automatic payment from a CASE checking account requested at loan closing. Applies to shortest term available, credit score above 720, and terms up to 84 months.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2024 to 2026. Includes 0.50% Loyalty Discount (Standard APR as low as 4.64%). Up to 60 Months.
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.14%APRas low as
Terms
Rates as low as 4.14% apr. Finance new or used vehicles. Terms up to 90 months. Up to 130% Loan to Value.
Auto loan score 93 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.14%APRas low as
Terms
Rate is 'as low as' based on credit score, loan term, and relationship discounts. Footnote 1 provides payment example of $25,000 at 5.39% APR for 60 months. Maximum APR up to 18%.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Abilene Teachers Federal Credit UnionNew Auto Loans - Cars and Light Trucks · 1–84 months
Credit union
4.15%APRas low as · up to 15.40%with conditions4.15% APR, up to 15.40%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2026. Lowest available base rate with no discounts is 4.90% APR. Rates reflect all available discounts.
Auto loan score 91 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.15%APRas low as
Terms
As low as APR based on creditworthiness, loan term, vehicle age, and underwriting factors. Maximum APR is 18.00%.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.17%APRas low as
Terms
Rates and terms vary and are based on credit score and collateral. Electric Vehicle Loan rates may differ.
Auto loan score 93 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.19%APRas low as · up to 16.99%
4.19% APR, up to 16.99%
Terms
Model year 2025-2026; Loan rates based on individual credit score.
Auto loan score 93 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.20%APRas low as · up to 14.75%
4.20% APR, up to 14.75%
Terms
New/Used Vehicle rate schedule. Rates are fixed for life of loan unless otherwise noted. Subject to credit approval.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.20%APRas low as · up to 18.00%
4.20% APR, up to 18.00%
Terms
Up to 135% financing; must have 7,500 miles or fewer; 2024 & newer; maximum term 84 months
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Auto loan score 96 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Payment per $1,000 borrowed is $18.53.
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
For model years 2023 and newer.
Auto loan score 93 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Requires active checking account with at least $400 in deposits each month and 12 withdrawals of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
Auto loan score 93 · Carrot Score 93
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
2,940 banks and credit unions · checked Oct 16–23
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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
- Synchrony BankBank