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 2626–2640 of 2,907 nationwide · median 5.00% APR
- 6.25%APRas low as · up to 9.25%
6.25% APR, up to 9.25%
Terms
Vehicles model years 2027 – 2025. APR determined based on creditworthiness, loan term, loan amount, and age of collateral. Higher rates may apply to older collateral. Subject to final credit approval. Must be 18 years or older.
Auto loan score 63 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as · up to 17.25%
6.25% APR, up to 17.25%
Terms
Base rate is 7.25%. New Auto Loans can get an extra 1% off approved rate with approved credit.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Current year with < 5,000 miles or next model year with < 100 miles.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
As low as rate for 85% financing. 100% financing is available for an additional 0.50% APR. Based on credit standards.
Auto loan score 63 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Model Years: New. APR as low as.
Auto loan score 63 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
New vehicles. Starting at 6.25% APR for terms up to 72 months.
Auto loan score 62 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Based on "A" credit score (700+) and payments placed on direct deposit, payroll deduction, or external monthly bank draft.
Auto loan score 62 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
10% down payment required. $35,000.00 maximum loan. 5 year maximum loan term. Monthly Payments Per $1,000 Borrowed: $19.45.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.26%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Interest as low as 5.99%. Rate based on automatic withdrawal of payment from ChoiceOne account. APR based on $20,000 loan with 84 monthly payments of $294.63.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.26%APRas low as
Terms
2025 & Newer Model Years. Term up to 72 months. Rates as low as stated for qualified borrowers.
Auto loan score 64 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 6.26%APRas low as
Terms
Requires 10% down payment. APR and payments based on a $15,000 loan example and may differ based on loan amount, credit score, and term.
Auto loan score 62 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.29%APRas low as
Terms
New Auto APR as low as 6.29% for terms 49 - 72 months. Payment per $1,000 borrowed is $16.71 (72-month term).
Auto loan score 64 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.29%APRas low as
Terms
Model years 2025 - 2026. Rates based on evaluation of credit history.
Auto loan score 62 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.30%APRas low as
Terms
Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum auto loan amount is $5,000.
Auto loan score 64 · Carrot Score 89
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