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 2521–2535 of 2,904 nationwide · median 5.00% APR
- 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.25% discount for repayment made via payroll deduction or an automatic payment. All loans subject to credit approval. Loan rates are determined by personal credit history and term of loan. Must be a member for 60 days to apply for any loan.
Auto loan score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 7.49%
5.99% APR, up to 7.49%
Terms
Financing 80% to 100%. 1% discount for FICO scores above 730; 1% off for Hybrid/Electric Vehicles (floor limit 4.49%).
Auto loan score 63 · Carrot Score 74
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
Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Rate based on individual creditworthiness. Loan amount and term subject to underwriting approval from credit committee.
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Base rate. Available discounts: subtract 0.25% for State of Illinois payroll/pension deduction, subtract 0.25% for relationship pricing.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 18.00%
6.00% APR, up to 18.00%
Terms
Rates ranging from 6% to 18% based on credit score. Loan up to $65,000.
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Vehicle Age: 2025 to New
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 15.50%
6.00% APR, up to 15.50%
Terms
Model year: 2020 - NEW; Credit tier: Platinum (750 & above) to Rebuilder (599 & under)
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - Golden Rule Community Credit UnionAuto, Truck, Van, Motorcycle, Boats, Campers, & RVs · up to 60 months
Credit union
6.00%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Monthly payment per $1,000 is $21.58. Rate stated as 'as low as' under Relationship Rewards.
Auto loan score 66 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
APR as low as stated rate. Rate based on creditworthiness and term of loan. APR is fixed for the term of the loan.
Auto loan score 66 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Starting at 6.00%
Auto loan score 66 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 17.00%
6.00% APR, up to 17.00%
Terms
Model years 2024-2027. Rate depends on credit tier: Tier A (850-680) 6.00%, Tier B (679-640) 7.25%, Tier C (639-600) 8.00%, Tier D-90% LTV (599-555) 11.50%, Tier E-85% LTV (554 >) 17.00%.
Auto loan score 66 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 13.00%
6.00% APR, up to 13.00%
Auto loan score 66 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 18.00%
6.00% APR, up to 18.00%
Terms
Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment.
Auto loan score 66 · Carrot Score 65
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