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 2611–2625 of 2,907 nationwide · median 5.00% APR
- 6.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Based on a 0.25% protection package discount requiring subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or opening a new Neighbors checking account.
Auto loan score 63 · Carrot Score 81
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
Advertised rate includes 0.25% rate reduction for automatic payment from a Park Community CU account. Final rate determined by credit score, vehicle age, vehicle value and loan term.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Requires 20% down payment. Term is 49-72 months. Payment example: $20,000 loan at 5.24% for 72 months - $324.31/month.
Auto loan score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 16.49%with conditions
6.24% APR, up to 16.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes automatic payment and electronic document discount.
Auto loan score 63 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as · up to 17.99%
6.25% APR, up to 17.99%
Terms
New & Used - 100% Financing. 7-year term available for loans exceeding $30,000.00 on new autos only. Actual rates are based on credit rating, loan term, and the model year of vehicle financed.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Current Year Vehicles
Auto loan score 64 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Vehicle model years 2025-2027. Max term 60 months. Minimum term 12 months. Minimum loan $800. Maximum LTV 95%. Monthly payment per $1,000 is $19.45. Rate discounts available with autopay from Perks or Rewards checking.
Auto loan score 64 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Rates as low as 6.25% APR determined by member credit. Eligible for discount with automatic payments. Maximum terms up to 84 months.
Auto loan score 64 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Maximum financing available is up to 100% of MSRP.
Auto loan score 64 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Auto loan score 64 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as · up to 13.85%
6.25% APR, up to 13.85%
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Up to 60 months
Auto loan score 64 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Rates As Low As (APR*) for 0 - 60 months. Credit Risk Score determines rate: A+ = 730 and above, A = 680-729, B = 650-679, C = 600 - 649. Subject to 18.00% APR rate ceiling.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Monthly payment of $19.45 per $1,000 borrowed.
Auto loan score 63 · Carrot Score 60
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
2,907 banks and credit unions · checked Oct 22–29
- 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
- Popular DirectBank