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 2701–2715 of 2,907 nationwide · median 5.00% APR
- 6.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to 2025-2026 models, up to 60 months. Purchase transactions through dealers only. Monthly payment per $1000 is $19.56. APR includes a .25% discount for automatic debit of the payment from an InFirst Bank deposit account. Document preparation fee of $25.00 applies. Actual APR may be higher based on credit.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 6.62%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates quoted are best rates based on credit quality and are subject to credit qualification. Rates quoted are based on automatic payments from an active Sound Community Bank checking account (add 0.50% if auto-pay from another institution or no auto pay). Model year 2024 and newer.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.63%APRas low as
Auto loan score 64 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.63%APRas low as
Terms
Model years 2026 & 2025 (new & program). Stated interest rate 6.5%. Based on $20,000 loan with $75 fee and $39 insurance. Deduct 0.25% for autopay from SBT account.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 6.63%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2022 – 2026. Credit score of 720 or greater. Includes 0.25% autopay discount for loan payments made automatically from a Bank of Ann Arbor checking or savings account. Max term 72 months. Impacted by $100 processing fee on sample $25,000 balance.
Auto loan score 62 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 6.63%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate assumes a loan amount of $30,000, credit score of 740+, auto is 2025 or newer, financing for 60 months and payment is auto debit. New and used financing for purchase and refinancing. Rate discount for automatic payments. Debt Cancellation Coverage available for qualified borrowers.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: 2025 or Newer. Annual Percentage Rate with Automatic Payment. Varies on term with rates as low as 6.64%. Lowest APR assumes excellent credit history, automatic loan payment from a FSB account, 10% down payment on a new car financed for 60 months.
Auto loan score 63 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 6.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit score 751 and higher. Example based on $20,000 loan amount for 2026 or newer vehicle. $250 origination fee. APR based on automatic payments with Main Street Bank checking account.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.64%APRas low as
Terms
Model years 2023-2026. Advertised rate is 'as low as'. Minimum loan amount $30,000. New auto loan stipulation.
Auto loan score 62 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 6.67%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026 model year. 10% down required.
Auto loan score 63
Rate checked · Auto loans rates on its site
More details - 6.69%APRas low as
Terms
Model year 2025 or newer. Stated as APR as low as. Minimum loan amount is $7,500 for a 60 month term auto.
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.69%APRas low as
Terms
New (2025 & Newer). Monthly payment estimate per $10,000 borrowed $197.06.
Auto loan score 62 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 6.69%APRas low as
Terms
New Auto: Vehicle may be up to two years old with less than 25,000 miles. APR based on applicant's credit history at time of application processing.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.72%APRas low as · up to 9.97%
6.72% APR, up to 9.97%
Terms
Auto (2024 - New). Amount financed 100% of NADA retail value. Lowest advertised APRs assume excellent personal credit history; actual APR may differ based on credit history and other underwriting requirements. Terms of repayment: $19.67 / $21.23 per $1000 borrowed. Subject to credit approval.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 6.73%APRas low as
Terms
New vehicles. Up to 66 months term. Rates shown are for applicants with credit scores of 750 or higher. Example APR based on a $20,000 purchase price ($20,283 loan amount financed including $250 loan documentation fee and $33 additional non-APR fees: $18 title registration fee and $15 VSI insurance fee).
Auto loan score 62 · Carrot Score 60
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