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 241–255 of 2,940 nationwide · median 5.00% APR
- 4.24%APRas low as
Terms
Rate as low as 4.24% APR. Up to 90 days of no payment for well-qualified borrowers on passenger cars and light trucks; interest accrues during payment deferral period. Subject to credit approval.
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year 2023 & newer; term up to 5 years. Additional 0.25% APR discount on Hybrid and Electric vehicles.
Auto loan score 93 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
October Auto Loan Special valid October 1-31, 2026. Finance a new or used vehicle or refinance an eligible auto loan; enjoy no payments for 90 days (interest accrues during 90-day period). May qualify for up to 0.75% off rate through HCFCU relationship discount. Rates based on credit history, loan term, collateral, and down payment.
Auto loan score 93 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Model year 2024 & Newer.
Auto loan score 93 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Rates as low as 4.24% APR. Rates may vary based on credit history, term, and collateral.
Auto loan score 93 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Rate is as low as 4.24% APR. Terms up to 84 months depending on the age and mileage of the vehicle. Based on a $20,000 loan with a 4.24% APR for 36 months, estimated monthly payments are $593.
Auto loan score 93 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Model Year Range: 2026 & 2025.
Auto loan score 93 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
APR may be higher based on credit score. NEW MONEY ONLY. Rates accurate as of November 3, 2025.
Auto loan score 93 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Auto loan score 93 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New car. Includes 0.26% discount for automatic transfer payment.
Auto loan score 93 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Rates as low as 4.24% APR vary based on creditworthiness. Applies to 37-60 month term for loans secured by non-commercial passenger vehicles including autos and light-duty trucks, both new and used up to 7 model years old. Minimum loan amount $3,000.
Auto loan score 93 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Auto loan score 92 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 11.49%
4.24% APR, up to 11.49%
Terms
Model years 2026-2022. APR range spans credit tiers (A+) 730+ (4.24%) to (E) 0-549 (11.49%). Collateral value over $5,000 or new vehicle for up to 60 months.
Auto loan score 91 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 11.24%
4.24% APR, up to 11.24%
Terms
Rates range across Beacon Score tiers: Tier A (700+) at 4.24% to Tier D (629 & Less) at 11.24%.
Auto loan score 90 · Carrot Score 79
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
2,940 banks and credit unions · checked Oct 16–23
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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
- Synchrony BankBank