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 2431–2445 of 2,904 nationwide · median 5.00% APR
- 5.95%APRas low as
Terms
Payment is $19.31 per $1,000 borrowed for full term.
Auto loan score 65 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.95%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate advertised is the lowest available and includes a 0.25% discount for automatic payment from a Harvard FCU Crimson or Smart Rewards Checking account. Maximum loan amount is $100,000 for new vehicles and $75,000 for used vehicles.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.95%APRas low as
Terms
For model year 2026. Rate is reduced by 0.50% (to 5.45% APR) if Equifax credit score is 750 or above. Up to 84 months. 10 or 12 payments a year. Car must have less than 2,500 miles to be considered new.
Auto loan score 65 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.95%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 (New). Rate is as low as. Stated rate reflects discount for electronic payments and established Summit Credit Union checking account.
Auto loan score 64 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.98%APRas low as · up to 7.23%with conditions
5.98% APR, up to 7.23%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Age of Auto: NEW to 5 Years. Payment per $1,000 of loan, per month is $19.27 to $19.86. Lowest rate assumes automatic payment deduction from a Bath Savings deposit account, combined deposit relationship of $10,000+, and credit score >= 750. APR calculated on a $10,000 loan including $45.00 origination fee.
Auto loan score 67 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
New vehicles only.
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2026 – 2027 (New Vehicles). Must be current or prior year model and must not have been previously titled. Selling price must be $20,000 or greater. Tax, title, tags and optional products. Max LTV is 125% MSRP. Based on 'A+' credit and requires autopay.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model year 2021 and newer. Rate is as low as. New Untitled Vehicles Only, $7,500 minimum balance.
Auto loan score 82 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Secured New 72 months Rates as low as 5.99% APR. Actual rate determined by credit history, term of loan, age of security, and credit union policies.
Auto loan score 73 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rates as low as. Rates vary by term of loan and individual creditworthiness. Minimum refinance amount of $10,000 is required. Refinances are for non-Achieve loans only. Restrictions may apply. Vehicles must be registered in Connecticut.
Auto loan score 66 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model years 2024 - 2026
Auto loan score 66 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Relationship APR. Requires participation in multiple CFCU products/services (checking account, share certificate, active VISA account, mortgage/home equity loan, and/or electronic service package).
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 10.74%
5.99% APR, up to 10.74%
Terms
Never been titled or 60 days after financing with a dealership.
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model years 2023-2027. Term in months may vary based on applicant's credit profile, or vehicle type, mileage, and condition.
Auto loan score 66 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rates as low as stated; for qualified borrowers.
Auto loan score 66
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