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 2836–2850 of 2,905 nationwide · median 5.00% APR
- 7.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles (2024 - 2025 models) with 5% down payment. Monthly payment is $20.16 per $1,000 borrowed. Rate reflects a 0.25% reduction for automatic loan payment deduction from a BankFive checking account. Relationship Checking customers qualify for an additional 0.25% rate reduction (total 0.50% reduction).
Auto loan score 61 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 7.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Only (2025-2026 model years); 5% down payment; 7.75% APR with autopay discount of 0.25% from checking or statement savings; purchase or refinance only.
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 7.75%APRas low as
Terms
Rates as low as 7.75% for 60 months term. Lowest rate possible based on credit score. Some restrictions apply. Membership eligibility required.
Auto loan score 61 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 7.75%APRas low as
Terms
Estimated Monthly Payment (Based on $10,000 loan): $174.11 Computed for a 6 year loan. Certain Conditions Apply.
Auto loan score 60 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 7.75%APRas low as
Terms
25% downpayment required. Subject to credit approval.
Auto loan score 60 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.76%APRas low as
Terms
VSI Premium of $40; APR includes $75 processing fee; Vehicle Model Year: 2026 & 2025.
Auto loan score 61 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 7.76%APRas low as
Terms
Model year 2026 & 2025. Maximum term 72 months. Loan amount example $10,000.00. APR includes $75 processing fee. VSI Premium of $40.
Auto loan score 61 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 7.77%APRas low as
Terms
APR is based on a $10,000.00 loan amount. Monthly payment per $1,000 borrowed is $20.16.
Auto loan score 60
Rate checked · Auto loans rates on its site
More details - 7.77%APRas low as
Terms
As Low As rate. APR based on $25,000.00 loan with credit score of 760+ and $240 processing fee.
Auto loan score 61 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 7.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 7.79% APR for flexible terms up to 72 months. Borrow up to $25,000. Includes auto pay discount. Minimum credit score 680. First payment may be deferred up to 90 days (promotional period 5/4/2026 to 12/31/2026, excludes SECU refinances, interest accrues from funding).
Auto loan score 60 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 7.80%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2021 - NEW. Rate includes 0.50% reduction for automatic payments from a 1st National Bank account. All loans subject to credit approval. APR based upon $10,000 loan size and $250 loan fee.
Auto loan score 61 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 7.80%APRas low as · up to 9.30%with conditions
7.80% APR, up to 9.30%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires automatic payment for stated APR range; add 0.50 % to interest rate without automatic payment. Rates vary by credit score.
Auto loan score 60 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 7.81%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires 10% down payment. APR is based on a $10,000.00 loan amount ($18.54 monthly payment per $1,000 borrowed). Rates assume credit score of 700 or higher and automatic payment from a Dime Bank account.
Auto loan score 60 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 7.88%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2025-2026. Payment per $1,000 borrowed: $20.22. Requires AutoPay from a new or existing Haverhill Bank account.
Auto loan score 60 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 7.92%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle years 2026-2027; term up to 72 months. Advertised example uses $30,000 loan amount (monthly payment $524.85). APR assumes a $150.00 loan processing fee. Requires automatic loan payment from an eligible Sewickley Savings Bank deposit account.
Auto loan score 61 · Carrot Score 69
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%
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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