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 2401–2415 of 2,904 nationwide · median 5.00% APR
- 5.85%APRas low as
Terms
Rates shown are the as low as rates for qualified applicants based on creditworthiness. Rate discounts available.
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as · up to 17.65%
5.85% APR, up to 17.65%
Terms
Model year 2025-2026
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as
Auto loan score 68 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Term 66 months.
Auto loan score 68 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as
Terms
APR as low as 5.85%
Auto loan score 64 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms 5 years. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
Auto loan score 63 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as
Terms
Based on a $10,000 loan with a $25.00 loan origination fee; monthly payment is $192.65 including principal and interest.
Auto loan score 64 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.87%APRas low as · up to 18.00%with conditions
5.87% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated monthly payment of $19.28 per $1,000 based on as low as rate.
Auto loan score 65 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.88%APRas low as
Terms
Fixed Rate APR as low as 5.875% for excellent credit; may vary depending on credit rating. Term not to exceed 1 year per $1,000 financed. Payment per $1,000 is $19.27.
Auto loan score 68 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low as
Terms
As Low As rate based on credit score. Payment example of $19.29 per $1,000 borrowed. Minimum amount financed is $10,000 for a 60-month term.
Auto loan score 68 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 60 months. Diamond Status My Member Perks.
Auto loan score 68 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low as · up to 15.59%
5.89% APR, up to 15.59%
Terms
Rates determined by credit score - Limits based on income and ability to pay if qualified.
Auto loan score 68 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low as
Terms
APR as low as based on creditworthiness. Applies to new, used, or refinance.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
For model year 2024 & newer (up to two years old). Advertised as low as rate based on 5-year, $30,000 loan with excellent credit and 90% LTV on auto loan amount of $30,000 or greater. Rates shown for ZIP 98168.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low as · up to 15.24%
5.89% APR, up to 15.24%
Terms
49 to 78 Months. On a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99.
Auto loan score 65 · Carrot Score 97
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