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 2491–2505 of 2,904 nationwide · median 5.00% APR
- 5.99%APRas low as
Terms
Minimum of $18,000 to finance; new vehicles only. Lowest available rate; may vary based on down payment, age of collateral, mileage, credit history, and credit score. Model years 2020 - 2026. Payment per $1,000 borrowed is $14.60.
Auto loan score 65 · Carrot Score 88
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
Current and recent model year; for 66 months or less with LTV 80% or less and automatic payment discount.
Auto loan score 65 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 65 · Carrot Score 76
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
Direct deposit, auto pay, credit worthiness and other applicable credit union requirements. Amount financed 100%.
Auto loan score 65 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Auto loan score 65 · Carrot Score 75
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
NEW 2025-2026 model year; includes 0.25% auto-pay deduction from Navigant CU checking
Auto loan score 65 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Fixed rate 'as low as' APR for 2027 – 2025 models. Credit score 740+ for lowest rate. Rate range 5.99% APR to 16.24% APR.
Auto loan score 65 · Carrot Score 82
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
Monthly payment $19.34 per $1000 Borrowed. Rates reflect 1.00% autopay discount with WCCU Checking Account and credit score 720+.
Auto loan score 65 · 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.
Auto loan score 64 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 12.00%
5.99% APR, up to 12.00%
Terms
Rates by credit tier: Tier A+/A (680+) at 5.99% APR, Tier B (640-679) at 7.49% APR, Tier C (600-639) at 8.00% APR, Tier D (555-599) at 12.00% APR.
Auto loan score 64 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
2023 and newer models. APR will vary if loan is signed at a partner dealer location.
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 15.50%
5.99% APR, up to 15.50%
Terms
Tier A+ (Score 740+) to Tier E (Score <550). Maximum LTV 80% to 115% NADA including TTL + Adds. LTV adjustments apply. Collateral Age Adjustments: Add 1% for every 8 years.
Auto loan score 64 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
As low as 5.99% for up to 72 months.
Auto loan score 64 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Model Year 2021 and Newer. Rates increase by 1.00% for autos over 100,000 miles.
Auto loan score 64 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
New Auto and Previous 3 Years and Up - Less than 30,000 miles. APR as low as. Relationship discount up to 1.00% available but discounted rate will not be reduced below 6.00% APR.
Auto loan score 64 · 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?
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