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 2776–2790 of 2,917 nationwide · median 5.00% APR
- 7.00%APRas low as · up to 18.00%
7.00% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as · up to 16.50%
7.00% APR, up to 16.50%
Terms
Base rate 8.5% APR. Term and APR vary depending on credit worthiness. Conditions apply for 100% financing.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2026-2024. Maximum LTV 100%. Maximum term 60 months. Reflects 0.50% autopay discount from Avidia Bank checking. Additional 0.25% discount may apply for Bank At Work account customers. Monthly payment per $1,000 is $19.80. Subject to $20 VSI insurance fee.
Auto loan score 61 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Terms
Credit score 740 & Above; 0% Down Payment
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Terms
Vehicle model year: 2025-New
Auto loan score 61 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as · up to 8.50%
7.00% APR, up to 8.50%
Terms
For newer models.
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Terms
Loan to Value 95%. Based on a term of 84 months. Average loan amount $25,000, average payment $379. A minimum down payment of 30% will be considered as an alternative.
Auto loan score 61 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low aswith conditions
This rate needs autopay.
Terms
New/Used Vehicle (2023-2026). Down Payment: 10%.
Auto loan score 61 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Terms
New vehicles. Base rate; rate based on creditworthiness and term of loan.
Auto loan score 61 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Auto loan score 61 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Terms
Maximum term 60 months. 100% financed. Monthly payment is $19.80 per $1,000 borrowed. Rates apply to credit scores of 700 or higher. Eligible for direct deposit AND checking account discount of .50%. Accurate as of October 30, 2025.
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 7.00%APRas low as
Terms
As low as rate for A credit. Minimum down payment: none (requires 2 signatures). Example monthly payment per thousand borrowed: 18.19.
Auto loan score 61 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 7.08%APRas low as
Terms
Includes $50 vehicle loan processing fee to be paid by borrower at closing. Subject to credit approval.
Auto loan score 61 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 7.09%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
To qualify for the Automatic Payment Interest Rate, monthly payments must be automatically transferred from a Harford Bank deposit account. APR computed based on a $25,000 loan.
Auto loan score 61 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 7.11%APRas low as
Terms
APR as low as stated. Terms up to 60 months based on vehicle age.
Auto loan score 62 · Carrot Score 64
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?
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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