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 2506–2520 of 2,904 nationwide · median 5.00% APR
- 5.99%APRas low as · up to 9.99%
5.99% APR, up to 9.99%
Terms
APR is based on creditworthiness/credit score and may vary; advertised as low as 5.99% assumes excellent borrower credit history.
Auto loan score 64 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rates as low as 5.99% APR. Rate based on creditworthiness and loan term. Up to 100% financing. Up to $65,000 for new vehicles. Extra 0.25% APR off for EV purchases (limited time).
Auto loan score 64 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
New Vehicle
Auto loan score 64 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 16.49%
5.99% APR, up to 16.49%
Terms
Tier A (850-800) to Tier E (579-300)
Auto loan score 64 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
100% of sticker price; never titled.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
New - 9 years old vehicles. Rates start as low as the published rates; actual APR may differ based on credit history, approved loan amount, and term.
Auto loan score 64 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Applies to New or used 2022-2026 cars & trucks. Maximum terms apply.
Auto loan score 64 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Auto loan score 64 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Up To $60,000; 100% NADA value; Years 2025-2026; Maximum mileage up to 8,000; Payment per $1,000 calculated on maximum term available: $16.57
Auto loan score 64 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Assumes qualification for lowest interest rate based on creditworthiness. Monthly payment per $1,000 is $19.56. Schedule-wide APR range is 4.99% - 10.99% depending on creditworthiness and repayment term. Vehicle must be less than two years old.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 14.99%
5.99% APR, up to 14.99%
Terms
60 month financing requires a minimum advance of $5,000.00. 60 monthly payments of $19.57 per $1,000 financed at 5.99% APR.
Auto loan score 64 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
New '25-'26; 100% Financing- (Tax, Title, Registration inc.)
Auto loan score 63 · 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
Preferred rate on your loan is offered on the condition that you maintain a checking account with us from which we may deduct your monthly payment as they come due.
Auto loan score 63 · Carrot Score 64
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
Base rate 6.49% with discounts: credit score >= 700, automatic payment deduction from an ENB deposit account, max loan amount $100,000. Max LTV 100%, min down 0%.
Auto loan score 63 · Carrot Score 61
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
Requires loan payments made by pre-authorized transfer from a Marblehead Bank checking or statement savings account (reflects 0.50% discount).
Auto loan score 63 · Carrot Score 69
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