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 2716–2730 of 2,907 nationwide · median 5.00% APR
- 6.74%APRas low as
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low as
Terms
Model year New - 2019
Auto loan score 63 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low as
Terms
2017 to 2019 (Auto only).
Auto loan score 63 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low as
Terms
As low as APR for applicants with credit scores 735 or higher; based on vehicle model year and mileage. Up to 100% financing. Term up to 63 months.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low as · up to 10.74%with conditions
6.74% APR, up to 10.74%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates are determined by individual credit profile. Rates assume automatic payments from a U.P. Connection checking or savings account.
Auto loan score 63 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low as · up to 9.00%with conditions
6.74% APR, up to 9.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit Score 661+. Rate reflects 0.50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan. Stated APR ranges from 6.740% (730+) to 9.000% (661-679). Repayment per $1,000 ranges from $19.68 to $20.76.
Auto loan score 62 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low as · up to 15.74%
6.74% APR, up to 15.74%
Terms
Credit tiers A-D available.
Auto loan score 62
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low as · up to 7.74%with conditions
6.74% APR, up to 7.74%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Purchase only. Includes 0.25% autopay discount from a First Federal deposit account. APR range covers credit scores 660 and above (740+ at 6.74%, 700-739 at 7.24%, 660-699 at 7.74%). Monthly payments based on $15,000 loan. Max LTV 100%.
Auto loan score 62 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Minimum loan amount $2,000. Rates accurate as of 10/1/26. Includes 0.25% discount for Auto-Drafting. All loans subject to credit approval. Up to 72 Months.
Auto loan score 62
Rate checked · Auto loans rates on its site
More details - 6.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2026. Max loan amount on new autos is 90% of purchase price/sticker price. 0.50% increase if payment is not automatically drafted from First Hope Bank account. Payment of $19.68 per $1,000 borrowed.
Auto loan score 61 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Auto loan score 62 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Terms
New vehicles; term up to 84 months.
Auto loan score 62 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Terms
Rate is advertised as low as 6.75% APR. Rate based on creditworthiness and term of loan. Up to 100% financing available for qualified borrowers. Regular savings account required.
Auto loan score 62 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Terms
2024 model or newer and fewer than 500 miles. Maximum amount $50,000. APR as low as stated.
Auto loan score 62 · Carrot Score 89
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