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.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 2536–2550 of 2,904 nationwide · median 5.00% APR
- 6.00%APRas low as
Terms
Rates are based on credit score.
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 14.00%
6.00% APR, up to 14.00%
Terms
All rates are governed by credit score. Minimum balance requirements apply for 72 and 84 months.
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Fixed rate starting at 6.00% APR for terms ranging from 6 months to 6 years (up to 6 years). Shorter loan terms qualify for lower rates.
Auto loan score 66 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Rates start at 6.00%. $26 application fee applies; member must qualify.
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Rate as low as 6.00% APR. Requires 10% down payment or GAP coverage.
Auto loan score 65 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
New/Used Car (2022-2026). Insurance Required - Purchase only - Closing costs charged.
Auto loan score 65 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 64 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Rate is as low as stated. Subject to credit approval and creditworthiness.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Auto loan score 64 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 9.00%
6.00% APR, up to 9.00%
Terms
Tier A–D
Auto loan score 64 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
- 6.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate based on credit score and reflects a 0.25% discount for automatic payment deducted from qualified SFCU account. Add 1% to the rate if financing 100%. 2026 – 2025 is considered New Autos. 2024 – 2019 is considered Used Autos. Monthly payment per $1,000 borrowed for 12 months is $86.07.
Auto loan score 64 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Model Year: New (25 or 26 only). Rates quoted are for well-qualified buyers; actual rate and term determined by creditworthiness and ability to repay.
Auto loan score 64 · Carrot Score 80
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 64 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Rate is as low as 6.00% APR based on creditworthiness. Vehicle must be prior year, current year, or upcoming year model with 15,000 miles or less, and never previously titled.
Auto loan score 63 · Carrot Score 91
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