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 2641–2655 of 2,907 nationwide · median 5.00% APR
- 6.32%APRas low as
Auto loan score 64 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.33%APRas low as
Terms
APR quoted is based on term of 60 months. Maximum loan amount $50,000. Monthly payment per $1,000 is $19.45.
Auto loan score 63 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 6.34%APRas low as
Terms
Auto Year 2024+.
Auto loan score 64 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 6.34%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Auto nuevo. Aplica luego de descuento de 0.25% al acogerse al pago directo. Término máximo de 72 meses para clientes con puntuación de riesgo de 795 en adelante. No se puede combinar con otras ofertas o descuentos.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.35%APRas low as · up to 15.00%with conditions
6.35% APR, up to 15.00%
This rate needs autopay.
Terms
Reduce APR by 0.25% for automatic payment from a Share Savings or Share Draft account with Cal-Com Federal Credit Union or with payroll deduction to your new or used vehicle loan. Actual rates are based on individual credit worthiness and length of loan. All loans are subject to credit approval.
Auto loan score 64 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 6.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle year: NEW. Based on automatic loan payments from an AMBank deposit account and a 731 credit score.
Auto loan score 63 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.40%APRas low as
Terms
Rates shown reflect lowest APR available and may not be available for all loan terms; longer repayment terms may result in higher APRs. Rate depends on credit qualifications, collateral, term selected, and other factors. 90-day payment deferral available subject to credit approval for applicants with credit score of 690+ and vehicle collateral model year 2018 or newer; interest accrues from disbursement date.
Auto loan score 64 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 6.40%APRas low as
Terms
Payment example of $418.99/mo based on a 60-month term for a $25,000.00 loan amount with a credit score of 700+ and a vehicle year of 2021 or newer.
Auto loan score 64 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.41%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Auto loan score 64 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.43%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: 2021 and newer. 5 Yr term (60 payments). Monthly payment of $388.99 based on a loan amount of $20,000 with 0 points. Rate based on automatic payment withdrawal from an Auburn Savings deposit account (may increase by 1/4% if discontinued). Subject to credit approval.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.43%APRas low aswith conditions
This rate needs autopay.
Terms
APR assumes a $20,000 loan with a $100 documentation fee, excellent credit history, and a loan-to-value ratio of 100%. Additional .50% for no automatic payment from a First National Bank of Hutchinson account.
Auto loan score 64 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 6.44%APRas low as
Terms
New Autos (2024 & 2025). As low as rate.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.45%APRas low as
Terms
Up to 100% MSRP financing. Payment per $1,000 borrowed: $14.60. Requires $75 VSI insurance fee. APR based on $5,000 loan amount.
Auto loan score 63 · Carrot Score 65
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?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank