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 2746–2760 of 2,907 nationwide · median 5.00% APR
- 6.85%APRas low as · up to 18.00%
6.85% APR, up to 18.00%
Terms
With approved credit. Rate based on credit score, term of loan, and age of collateral. Up to 100% of Sticker or NADA Retail Value + Taxes, Tags.
Auto loan score 62 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 6.85%APRas low as
Terms
Repayment example: $18.61 per $1,000.00 borrowed at 6.85% APR for 84 months. Credit criteria may apply. Terms up to 84 months for new vehicles.
Auto loan score 61 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 6.86%APRas low as · up to 10.30%
6.86% APR, up to 10.30%
Terms
Rates vary based on year of vehicle.
Auto loan score 62
Rate checked · Auto loans rates on its site
More details - 6.87%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Vehicle - term of 60 months. Auto debit required from a Commercial Bank & Trust of PA account to receive the APR shown above. Motor Vehicle Loan APR based on loan amount of $20,000.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.89%APRas low as
Terms
Model years 2018–2026. APR includes application fee, VSI fee, and electronic title fees, based on a $20,000.00 loan (e.g., $394.96/mo for 60 mos on a 2026 vehicle).
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.92%APRas low as
Terms
As low as APR available for auto loans with term of 60 months or less, loan amount of $10,000 to $29,999, loan-to-value (LTV) of 100% or less, and credit score of 660 or higher. Subject to credit approval.
Auto loan score 62 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 6.92%APRas low as
Terms
Model Year 2026-2024 New or Used Vehicle. APR based on a $25,000 loan amount with a loan document fee of $250 and $0.00 down payment.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as
Terms
Fixed Rate. New Vehicles Only.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Minimum loan $50,000. As low as rate includes 0.25% autopay discount.
Auto loan score 64 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as
Terms
Dream Vehicle Loan Special. Available for 2022 or newer vehicles. Fixed rate loan. Subject to credit approval. Auto insurance is required.
Auto loan score 62
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as
Terms
Year: 2024. Also included are 2023 vehicles with less than 10,000 miles and 2023 new, untitled vehicles.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate shown with all available discounts applied (maximum discount up to 0.50%). Rate based on creditworthiness, income, and other qualifications. Refinance of existing InFirst FCU auto loans not eligible.
Auto loan score 62 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as · up to 18.00%
6.99% APR, up to 18.00%
Terms
Model years 2023-2025; Credit Rating A-D.
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as
Terms
Payment is $19.80 per $1,000 borrowed based on stated rate and term.
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as
Terms
Rates as low as. Monthly payment of $17.05 per $1,000 borrowed.
Auto loan score 61 · 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