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 2581–2595 of 2,904 nationwide · median 5.00% APR
- 6.15%APRas low as
Terms
Loan amount $10,000+. Term up to 60 months.
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.17%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle Year 2023. With Auto Pay from Ixonia Bank Checking account (reflects 0.25% interest rate reduction).
Auto loan score 64 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 6.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year: 2025–2026 New. Advertised APR assumes excellent borrower credit history with Auto-Pay from a Tri City National Bank Checking Account.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Co-op Credit UnionAuto & Recreational Vehicle Loans 2026 - 2025 with less than 15,000 miles · up to 84 months
Credit union
6.19%APRas low asTerms
Purchase of new auto/truck/motorcycle only. Monthly payment per $1,000 borrowed is $14.70.
Auto loan score 81 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 6.19%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Relationship Premium APR as low as with 0.30% discount included. Up to 60 months.
Auto loan score 65 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.19%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects automated payments APR as low as. Includes 0.25% discount with e-Statements and automated payments from Freedom FCU savings or checking account. Estimated monthly payment of $18.64 per $1,000.
Auto loan score 63 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 6.19%APRas low as
Terms
Rate based on term and credit worthiness. Must qualify for membership.
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Available on New Loans only / New purchased, refinanced or lease buyout
Auto loan score 86 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
New auto loans only. Rates based on credit score and applicable discounts.
Auto loan score 77 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - Acclaim Federal Credit UnionNew/Used Auto (2016-2026) & Motorcycle (2019-2026) · up to 60 months
Credit union
6.24%APRas low asTerms
Maximum term 60 months. Rate as low as 6.24% APR. Rate may include Auto Pay, Active Checking, and/or Fully Protected discounts.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Extended term for new and used vehicles up to 5 years of age and 100,000 miles. APR shown is with 0.25% reduction for automatic payment. Minimum loan payment is $10,000.
Auto loan score 65 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Auto loan score 65 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
As low as rate on approved credit without underwriting exceptions; estimated payment of $19 per $1,000.
Auto loan score 65 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Model Year 2026-2021; 100% of Retail of NADA Book Value LTV (up to 125% LTV available); Payment per $1,000 borrowed is $18.66 based on highest number of months in term; Minimum loan amount $2,500 for 12- to 60-Month Financing
Auto loan score 65 · Carrot Score 71
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