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.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 2761–2775 of 2,917 nationwide · median 5.00% APR
- 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 81
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 not to exceed 0.50%). Rates vary based on creditworthiness, income, and other qualifications. At no time can the discounted loan rate be lower than the designated floor rate. Current InFirst FCU Auto Loans not eligible for refinance.
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 - 6.99%APRas low as
Terms
Up to 100% financing. Rate is for a credit score of 740 or higher and 5 years or less financing.
Auto loan score 61 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 6.99%APRas low as
Terms
5 year Automobile Loan; maximum amount financed up to 100%
Auto loan score 61 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as · up to 13.50%
7.00% APR, up to 13.50%
Terms
Model Year: 2025-2023; Credit Scores: 740 Plus (7.00%), 700-739 (9.00%), 699 or Less (13.50%)
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Terms
Model Year: 2025 to 2026. Monthly payment amounts and APR are based on a loan amount of $25,000.00 and minimum credit score of 661.
Auto loan score 62 · Carrot Score 85
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
2,917 banks and credit unions · checked Oct 23–30
- 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?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank
- Quorum Federal Credit UnionCredit union
- Popular DirectBank