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 2791–2805 of 2,905 nationwide · median 5.00% APR
- 7.25%APRas low as
Terms
Monthly Payment per $1,000 borrowed: $19.92. 10% downpayment required. Requires a $17.00 Vendors Single Interest (VSI) fee.
Auto loan score 61 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low as
Terms
37 to 60 Months.
Auto loan score 61 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low as
Terms
Payment is $19.92 per $1,000 borrowed. Available to well-qualified borrowers.
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low as
Terms
New Vehicle (Auto/SUV/Truck/Motorcycle). Current year models. Mileage restrictions may apply. APR as low as stated; rates may be as high as 18% based on credit application and credit report. Fixed APR.
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 - 2026. Monthly payment is $17.17 per $1,000.
Auto loan score 60 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
with auto pay
Auto loan score 60 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Cars (2024 - 2027); 0% down payment; maximum loan amount will be determined by the actual purchase price, excluding the costs of any extended warranty program and sales tax; APR reflects a .25% discount for automatic payment from a Webster Five account (option not to choose automatic payments increases rate by .25%)
Auto loan score 60 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 7.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles (model year 2026). Financing up to 100% of purchase price for loan amounts up to $50,000, 90% for $50,001–$70,000, and 80% for $70,001 or more. Rate reflects 0.250% interest rate discount with automatic payment from a Westfield Bank checking account.
Auto loan score 60
Rate checked · Auto loans rates on its site
More details - 7.26%APRas low as
Terms
Interest rate is 7.250%.
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 7.28%APRas low as
Terms
Vehicle Year: 2024-New. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $19.74. Subject to credit approval.
Auto loan score 61 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 7.33%APRas low as
Terms
Model Year: 2026-2027. Assumes $10,000 Loan Amount. Processing Fee: $199.00. Rates subject to change without notice.
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 7.33%APRas low as
Terms
New Vehicle. Maximum LTV 100% calculated using purchase price before trade-in or down payment. Assumes $50,000 loan amount for maximum term. May be reduced by 0.25% with preauthorized payment from CapFed checking or savings account.
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 7.34%APRas low as · up to 13.59%with conditions
7.34% APR, up to 13.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For new and used 1-3 year old automobiles not exceeding 125% LTV. Minimum loan amount $2,500. Rate reflects automatic deduction from any Fulton Bank deposit account (APR increases by 0.25% if discontinued).
Auto loan score 61 · Carrot Score 80
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
2,905 banks and credit unions · checked Oct 23–30
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.63%
- 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
- Hanscom Federal Credit UnionCredit union