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 2686–2700 of 2,907 nationwide · median 5.00% APR
- 6.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% auto-pay discount with Mechanics Cooperative Bank checking account. Fixed monthly payment of $19.57 per $1,000 for 60 months.
Auto loan score 62 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
Experian FICO Score 725 & above. Max loan amount $100,000. Terms up to 84 months. Subject to credit approval.
Auto loan score 62 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
Automobiles (2026)
Auto loan score 62 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
New Autos (61+ Months): Model Years 2023 or Newer (Includes Tax and License).
Auto loan score 62 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
Model Year: 2025 - New. Monthly payment example per $1,000: $19.57. A .25% reduction in rate is available at closing when signed up for auto deduction. Financing available up to 100% of the contracted purchase price or MSRP, whichever is less.
Auto loan score 62 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
As low as rate. Terms available: 36, 48, 60, 72, 84 months. Minimum loan amount of $2,500.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Monthly Payment per $1000: $19.57. Financed: New (Non Real Estate). Member agrees to auto-pay. Credit approval and membership eligibility required.
Auto loan score 61 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 6.53%APRas low as · up to 12.70%
6.53% APR, up to 12.70%
Terms
Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies.
Auto loan score 63 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 6.54%APRas low as
Terms
Model year 2024 and newer.
Auto loan score 63 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 6.55%APRas low as
Terms
For model years 2025-2027; term 49-60 months.
Auto loan score 63 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 6.58%APRas low as
Terms
Model year: 2023 and Newer. Interest rate as low as 5.99%. Rate is as low as.
Auto loan score 63 · Carrot Score 99
Rate checked · Auto loans rates on its site
More details - 6.59%APRas low as · up to 10.29%
6.59% APR, up to 10.29%
Terms
Motor Vehicle. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include optional 0.25% autopay discount from Commerce checking or savings account. Available for new and used car, trucks, and motorcycle loans. Subject to credit approval. Minimum loan amount $7,000.00.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.59%APRas low as · up to 10.10%
6.59% APR, up to 10.10%
Terms
Maximum Term: 5 Years. Maximum LTV: 100%. Loan rates: 6.50-10.00%. APR: 6.59-10.10%*. Monthly payment per $1,000 borrowed: $19.57-$21.25. APR based on $20,000 loan including $40 VSI fee.
Auto loan score 62 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 6.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2024 & Newer model years. Stated APR is based on a credit score of 720+ and requires automatic payment from a Highpoint Community Bank account (otherwise 0.50% is added).
Auto loan score 63 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 6.60%APRas low as
Terms
Rate is as low as 6.60% APR for terms up to 84 months. Monthly payment is $221.22 assuming a $15,000 loan amount. Based on 730+ credit score. Rate may be reduced by 0.25% with automatic payment from an Eaton Community Bank checking or savings account setup at closing. Processing fee is $149.
Auto loan 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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Quorum Federal Credit UnionCredit union
- Popular DirectBank