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 2476–2490 of 2,904 nationwide · median 5.00% APR
- 5.99%APRas low as
Terms
Autos new to 2 years old. Quoted as lowest possible rate; actual rate based on credit history, down payment, term, and model year. Member eligibility required.
Auto loan score 66 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model year 2023 and newer; up to 63 months.
Auto loan score 66 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - Sheet Metal Workers Local 104 Federal Credit UnionNew and Used Auto Loans · 37–60 months
Credit union
5.99%APRas low asTerms
Rate is as low as. Not all borrowers will qualify for lowest rate. Rate determined by credit history, loan terms, mileage, age of collateral, and amount borrowed. Includes or eligible for 0.25% relationship discount for members with current or past loans with SMART Federal Credit Union.
Auto loan score 66 · Carrot Score 83
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
For loan terms of 72 months or less, minimum amount financed is $10,000.
Auto loan score 66 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 16.99%
5.99% APR, up to 16.99%
Terms
New Auto. Rate is subject to credit approval. 5.99% is a fixed rate for 84-month term only. Minimum loan amount is $25,000.
Auto loan score 66 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Payment per $1,000 is $17.83. Fixed APR 'as low as' for model years 2024 and newer (or 2026 and newer per general disclosures). Minimum loan amount $10,000.
Auto loan score 66 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Vehicle model year 2026 or newer.
Auto loan score 66 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 13.99%
5.99% APR, up to 13.99%
Terms
New or used financing up to 100% for up to 84 months (must meet established loan guidelines) or 90% of sticker (new) or 90% NADA retail (used); rates determined by Beacon score
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model year 2022 & newer.
Auto loan score 66 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Fixed APR as low as 5.99%. Rates based on creditworthiness.
Auto loan score 66 · Carrot Score 72
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
Limited-time offer. 60 month term. Rate includes Auto Pay, GAP, and Warranty discounts. Loan rate based on credit score, loan term and member relationship. Current or prior year model with less than 10,000 miles. Membership and credit approval required. Not all applicants qualify.
Auto loan score 65 · Carrot Score 73
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
Refinance offer rate as low as 5.99% APR. Disclosed rate based on credit score 740 and higher. Auto loans currently financed through BTCU cannot be refinanced with this offer. Optional 0.25% discount for automatic payments and no payments for 90 days available on approved credit.
Auto loan score 65 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Estimated monthly payment of $19.33 per $1,000.
Auto loan score 65 · Carrot Score 67
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
Based on approved credit for up to 60 months on 2021-2026 models and newer. Including discounts, rate floor is 5.99% APR.
Auto loan score 65 · Carrot Score 71
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
For vehicle model years 2022 to 2026. Rate includes a 0.25% discount for active Absolute Checking account.
Auto loan score 65 · Carrot Score 80
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?
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
- Quorum Federal Credit UnionCredit union
- Hanscom Federal Credit UnionCredit union
- Popular DirectBank