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 2821–2835 of 2,905 nationwide · median 5.00% APR
- 7.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Base Rate/APR. Rates quoted require automatic payment set up from CCB checking or savings; add 0.25% if no AFT.
Auto loan score 60 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 7.50%APRas low as · up to 15.00%
7.50% APR, up to 15.00%
Terms
Vehicle Age: New and Used Auto (up to 5 model years old)
Auto loan score 60 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 7.50%APRas low as
Terms
Model Year 2026 with 500 miles or less. Down payment 0%. Monthly payment $20.04 per $1,000 borrowed. Additional .25% off with automatic payment from a TSB checking or statement savings account.
Auto loan score 60 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 7.50%APRas low as
Terms
60 payments of $20.04 per $1,000
Auto loan score 60 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 7.51%APRas low as
Terms
Rates as low as 7.51% APR based upon loan amount and creditworthiness. Advertised APR assumes excellent credit history, is based on an average loan amount of $40,000 borrowed over 60 months, includes $257 in account opening fees, and equates to a monthly payment of $799.87. Some loans may be eligible for additional relationship-based account benefits for checking account clients.
Auto loan score 61
Rate checked · Auto loans rates on its site
More details - 7.54%APRas low as
Terms
New and Current Used (Model Year 2025-2027)
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 7.54%APRas low as
Terms
New Only. Best fixed rate on approved credit.
Auto loan score 60 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 7.56%APRas low as
Terms
Model year 2026 & 2025. APR is based on a $30,000 example loan and includes a $50 doc fee. Max term 72 months. Quoted rates are based on credit scores of 700 or above.
Auto loan score 61 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 7.65%APRas low as · up to 10.49%with conditions
7.65% APR, up to 10.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New (0-3 Years); terms up to 84 months depending on minimum loan amount and age of collateral; minimum loan amount as low as $5,000; lowest APR based on establishing automatic payment from checking or savings (add 1% for non-automatic payments); sample payment $403.58/month based on $20,000 loan amount for 60 months; subject to credit approval; evidence of insurance required.
Auto loan score 61 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 7.66%APRas low as
Terms
Example rate based on a $29,000 loan amount with a $1,000 down payment. Assumes borrower has excellent credit (credit score of 740 or higher).
Auto loan score 60 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 7.68%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; 72 months term; assumes $25,000 loan amount, minimum credit score of 720, auto-deduction from Wayne Bank checking account, $125 loan documentation fee. APR increases by .25% without automatic deduction, and by 1.00% for vehicles over 5 model years. Monthly payment per $1,000 borrowed is $17.29.
Auto loan score 60 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 7.72%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires auto debit from CIB Checking Account. APR assumes a $10,000 loan at maximum term of 60 months with a $50 Loan Doc Fee ($201.42/month repayment example). Actual APR will depend on loan amount and term length.
Auto loan score 60 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 7.74%APRas low as
Terms
Vehicle Years: New 2024-2025
Auto loan score 76 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 7.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles only (titled for the first time; no untitled vehicles). Rates quoted are for top tier FICO scores and include 0.25% discount for meeting Ridgeline Rewards or Compass Cash Back Checking qualification cycle parameters with auto-pay.
Auto loan score 62 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 7.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate includes 0.25% discount for ACH payments. Rate based on payment method, creditworthiness, loan terms and collateral.
Auto loan score 60 · Carrot Score 73
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?
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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
- Hanscom Federal Credit UnionCredit union