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 2566–2580 of 2,904 nationwide · median 5.00% APR
- SunWest Credit Union of ArizonaAuto Loans - New + used (model years 2025 + newer) · up to 60 months
Credit union
6.09%APRas low asTerms
Payment per $1000 borrowed: $19.37
Auto loan score 64 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.10%APRas low as
Terms
Model Year New-2024. Estimated monthly payment $18.59 per $1,000 borrowed.
Auto loan score 66 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 6.10%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate offered for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month to a TDECU savings or checking account. Rate determined by loan term and credit score. No payments for 90 days option available (requires minimum credit score of 660, LTV < 125%).
Auto loan score 64 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 6.10%APRas low as · up to 11.35%
6.10% APR, up to 11.35%
Terms
Maximum term for loans up to $15,000 is 60 months. Monthly payment per $1,000 borrowed: $19.39 - $21.93.
Auto loan score 63 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.11%APRas low as · up to 15.31%
6.11% APR, up to 15.31%
Terms
90% or less LTV
Auto loan score 65 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.14%APRas low as
Terms
Rate as low as 5.99%.
Auto loan score 65 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 6.14%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rates based on Credit Union's Qualified Loan Program. Rate is determined by credit qualifications, amount financed, collateral, and loan terms. A 0.25% APR discount is available with auto-debit or direct deposit to an ORNL FCU account.
Auto loan score 65 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.14%APRas low as · up to 19.14%with conditions
6.14% APR, up to 19.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% discount for automatic payment transfer from an AFCU account. Additional 0.25% discount available for 80% financing.
Auto loan score 64 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.14%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2022–2027 (or 2022–2026). Cost / $1,000 is 18.61. Assumes pairing with active Direct Advantage Checking.
Auto loan score 64 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.14%APRas low as
Terms
Vehicle age 2020+. Rate as low as 6.14% APR. Maximum term 60 months. Subject to credit qualification.
Auto loan score 64 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.15%APRas low as
Terms
Rates as low as stated. 48 Months; longer terms available. Rate based on term and credit worthiness.
Auto loan score 65 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.15%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 65 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.15%APRas low as
Terms
New Vehicle
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 6.15%APRas low as
Terms
Best rate on approved credit. Maximum loan amount $150,000.
Auto loan score 64 · Carrot 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