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 2731–2745 of 2,907 nationwide · median 5.00% APR
- 6.75%APRas low as
Terms
Model Year 2025-Newer. Advertised as low as APR assumes Beacon Score of 740 or above; actual APR depends on LTV and term.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as · up to 13.75%
6.75% APR, up to 13.75%
Terms
Credit score tiers: 725+ (6.75%), 680-724 (8.25%), 640-679 (9.75%), 600-639 (11.75%), 560-599 (12.75%), 559 & Under (13.75%)
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Terms
New Vehicle 2026/2027. Payment per $1,000 is $19.69. Adjustable rate available at 1/2% below fixed rate. Rates reduced 1/4% with automatic loan payment from MFB deposit account.
Auto loan score 62 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as · up to 9.50%
6.75% APR, up to 9.50%
Terms
Rates vary based on year of vehicle.
Auto loan score 62 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as
Terms
As low as 6.75% APR. Available for new and used vehicle purchases and refinancing. Lower interest rates with automatic payments from North American Banking Company checking account.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as · up to 16.25%
6.75% APR, up to 16.25%
Terms
Credit tiers: A Plus (730 Plus) to E (Below 549)
Auto loan score 62 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
P&I Payment / $1,000 is $19.68. 1/2% rate reduction with autopay from County Savings Bank checking account.
Auto loan score 61 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate reflects a 0.25% reduction for automatic payment deduction from a new or existing Dean Bank checking account (auto-pay is not required). Rate is based on creditworthiness and assumes a 10% down payment ($19.68 monthly payment per $1,000 borrowed).
Auto loan score 61 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 6.75%APRas low as · up to 15.45%
6.75% APR, up to 15.45%
Terms
Terms and rates based on soundness of credit. All rates are subject to change without notice.
Auto loan score 61 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 6.76%APRas low as
Terms
Limited time offer that may be canceled without notice. Available for new and used vehicles dated 2024 or newer, terms with maximum 60 months, maximum loan-to-value of 100%, and excellent credit. Estimated payment for a $10,000.00 loan is $196.90 for 60 months, including financed origination fee up to $185.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.78%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New (untitled). Includes a 0.25% relationship discount for automatic payments from Mutual Checking or Mutual Interest Checking. Example payment: 60 monthly payments @ $16.67 per $1,000 borrowed.
Auto loan score 61 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 6.78%APRas low as
Terms
Rates quoted depend on credit score (TransUnion FICO Auto Enhance Score of 740 or above required for lowest rate), vehicle mileage, negative equity allowances, amount, and condition. Listed APR is for in-person direct member financing (includes loan documentation fee and maximum term financing); indirect/on-site dealership financing may have slightly higher APRs for new members. Vehicles currently financed with LorMet are excluded.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.79%APRas low as · up to 15.69%with conditions
6.79% APR, up to 15.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the lowest APR available (6.79%): term must be 48 months or less; collateral model year must be 2025 or newer; must have or open an M&T MyChoice Premium or Power Checking account at time of application; and automatic payment deductions from any M&T checking account must be established. Terms up to 84 months available.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR is based on a $30,100 loan amount (includes $100 origination fee) with contract interest rate of 6.79% (71 payments of $510.18 and one of $510.00). Requires active Central National Bank checking account for stated rate (2.50% higher without).
Auto loan score 62 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 6.81%APRas low as
Terms
Vehicle Year: 2025-New
Auto loan score 62 · Carrot Score 72
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