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 2656–2670 of 2,907 nationwide · median 5.00% APR
- First Savings Bank of HegewischNew Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) · up to 60 months
Bank
6.45%APRas low asTerms
90% Loan-to-Value. Payment example $195.43 monthly based on a $10,000.00 loan.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.48%APRas low as
Terms
Credit score 700+
Auto loan score 62 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as · up to 9.99%
6.49% APR, up to 9.99%
Terms
96 months term available for New Autos with loan to value no greater than 115%. Additional conditions and restrictions apply.
Auto loan score 81 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate available; requires Auto Pay. New car only.
Auto loan score 69 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as
Terms
All New Vehicles; $17.04 monthly payment per $1,000
Auto loan score 66
Rate checked · Auto loans rates on its site
More details - Central One Federal Credit UnionMotor Vehicle Acquisition Program (MAP) · up to 60 months
Credit union
6.49%APRas low asAuto loan score 63 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as · up to 17.99%
6.49% APR, up to 17.99%
Terms
APRs start at 6.49% and will not exceed 17.99%. Repayment periods set to a maximum of 72 months based on contract terms, credit application/report, and borrowed amount. Subject to credit approval and underwriting standards. Down payments may be required in some cases.
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as
Terms
Longer terms may be available for highly qualified borrowers with adequate collateral.
Auto loan score 63 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as
Terms
6.49% APR is based on 60-month term, 2022 or newer vehicle, with a minimum credit score of 740. Subject to credit approval; rates subject to change.
Auto loan score 63
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automatic payment is required to obtain lowest rate. Actual APR, term, and approved loan amount may vary based on creditworthiness. Estimated payment is $19.56 per $1,000. Minimum loan amount is $10,000.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as
Terms
As low as APR. Example: APR on a $20,000 loan is 6.49% based on a rate of 6.40%, resulting in an approximate payment of $336.09, for a 72 month term. Subject to a one-time $49 processing fee.
Auto loan score 63 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as
Terms
Model years 2023 - 2025
Auto loan score 63 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as · up to 21.99%
6.49% APR, up to 21.99%
Terms
Minimum loan amount $10,000. Model years 2025 and newer. Rates and terms vary based on creditworthiness. No payments for first 90 days.
Auto loan score 63 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 60 months. Reflects 0.25% discount for new members or members using auto pay from an AdelFi Checking Account. Monthly payment for $10,000 for 60 months at 6.49% APR is $196.10. Rate based on credit history and underwriting factors. Rate subject to credit approval, age of collateral, and mileage. Rate increases to base rate for credit scores below 700: add 0.50% for every 5% above Base LTV limit (subject to OTD LTV limits, max 10% above base LTV); add 0.50% if vehicle is over 100K miles; add 0.50% if model year is 10 years.
Auto loan score 62 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as · up to 7.29%
6.49% APR, up to 7.29%
Terms
Rates for borrowers with strong credit. Loans over $70,000.00 add 0.75% to the rate.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details
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