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 256–270 of 2,940 nationwide · median 5.00% APR
- 4.24%APRas low as · up to 14.99%
4.24% APR, up to 14.99%
Terms
Newer - 5 recent model years.
Auto loan score 90 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
For New & Used Auto Loans (Models 2021 - 2026)
Auto loan score 90 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
2022 & 2023 <20,000 Miles
Auto loan score 90 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as rate.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
New/Used Auto (2024-NEWER) 49-60 months (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Educational & Governmental Employees Federal Credit UnionNew Vehicle Loans · up to 84 months
Credit union
4.24%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Promotional rate extended through August 15, 2026 (applications must be received between July 1, 2026, and August 15, 2026). Includes 0.25% reduction for Auto Pay from E&G checking account. Rate assumes A credit.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Valid on approved purchase loans for credit scores of 680 or better, LTV of 105% or less (excluding warranty), vehicle age of 2020 or newer and 72 month term or less. Paperless payment required. Rate includes 0.25% discount for auto transfer of payment. Offer valid 11/29/24 – 12/31/24.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 18.00%
4.24% APR, up to 18.00%
Terms
Rates are based on your credit history, credit qualifications, and the term of the loan.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vantage Score of 740+. Requires automatic payments and OKCU checking account with monthly direct deposit of at least $2,000. Estimated payment $18.53 per $1,000 borrowed for 60 months.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 15.99%with conditions
4.24% APR, up to 15.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Quoted rate assumes a 0.25% APR discount for borrowers who maintain an automatic payment from their Pacific Service Credit Union checking account. Rate increases by 2.00% APR for vehicles with 150,001 to 200,000 miles and/or are 11 model years old or older. Maximum terms vary based on collateral and loan amount.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
Model years 2026-2025. Rate as low as 4.24% APR.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
100% Financing. Rates as low as.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Good for new or used vehicles, purchase or refinance. Includes a 0.50% rate discount for automatic payments from an active WBVFCU account and direct deposit. Minimum of $2,500 in new money if using to refinance a WBVFCU loan. Offer ends November 15, 2026. Payment example: 4.24% APR for 72 months = $15.75 per $1,000.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
0% down required. Includes 1/4% automatic repayment discount and 0.10% online application discount.
Auto loan score 88 · Carrot Score 84
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
2,940 banks and credit unions · checked Oct 16–23
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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
- Synchrony BankBank