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 2551–2565 of 2,904 nationwide · median 5.00% APR
- 6.00%APRas low as
Terms
New (2025 - 2026)
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low aswith conditions
This rate needs autopay.
Terms
Credit score 700 and above. Payment per $1,000 monthly is $16.57.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Terms
Credit Tier: "A"
Auto loan score 63 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Auto loan score 63 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.01%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.005% APR on loans for new or pre-owned cars and trucks with terms up to 84 months. Based on highest credit tier; includes 0.25% autopay discount and $175 processing fee. Example given for 2025 or newer vehicle, 60-month term on $20,000 loan at 5.64% interest rate (6.005% APR).
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.02%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Car Model Years 2023 – 2027. Rate includes a 1/4% discount for automatic loan payments withdrawn from an MCU Essential/Premium Checking account. $19.34 Monthly Payment per $1,000.
Auto loan score 60 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.04%APRas low as
Terms
Model years 2026–2025; term up to 63 months. Stated APR/interest rate based on credit score 720 or above; other rates and terms also available. APR and payment examples based on a $10,000 loan with a $50 documentation prep fee using the greater term for the product. Up to 125% financing.
Auto loan score 66 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.04%APRas low as
Terms
APR as low as stated. APR may vary based on credit qualification, loan amount, loan-to-value, mileage, and/or loan term. Not all applicants will qualify for the lowest rate. Example: $25,000 for 66 months at 6.04% APR has a monthly payment of $446.13 ($150 loan processing fee increases APR to 6.27% and monthly payment to $448.80).
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.04%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount.
Auto loan score 64 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.05%APRas low as
Terms
For model year 2022 & older vehicles. Rate is as low as stated and subject to credit approval; sample payment calculation based on $20,000 loan amount with $125 processing fee.
Auto loan score 66 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 6.05%APRas low as · up to 16.47%with conditions
6.05% APR, up to 16.47%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Term: 60 Months
Auto loan score 63 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.08%APRas low as
Terms
For vehicle model year 2022 or newer. Rates start as low as stated. Payment example based on a $25,000 loan amount ($484.48/mo). Exclusive rate for Hy-Vee PERKS® members or Hy-Vee / Hy-Vee subsidiary employees.
Auto loan score 66 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low as
Terms
Model years 2025-2026. Credit score of 730 or higher and mileage under 100,000 required for lowest rate. Repayment example: 60 monthly payments of $19.37 per $1,000 borrowed at 6.09% APR.
Auto loan score 66 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low as
Terms
Up to 63 Months
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR. Requires minimum credit score of 780 and automatic payments from a Seacoast Bank deposit account. Example: $30,000 loan for 60 months at 6.087% APR results in monthly payment of $581.20 plus a one-time $250 processing fee. Maximum APR is 18%. Valid for terms 12 to 75 months. Additional third-party closing fees may apply for state-required doc stamps and recording fees.
Auto loan score 64
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