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 2851–2865 of 2,905 nationwide · median 5.00% APR
- 7.94%APRas low as
Terms
New model year. 5 year term used in sample payment and APR ($10,000 loan amount).
Auto loan score 60 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as
Terms
Credit rating: 730 & above. Rate includes purchase of GAP.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as
Terms
New only (current model year or newer with < 2,500 miles; or current model year or one model year old with less than 2500 miles). Rate quoted as low as; rate and term may vary by credit.
Auto loan score 67 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as
Terms
Finance up to 80% of purchase price or MSRP (maximum LTV of 50% based on accountant/CPA letter). Example APR based on a 60-month, fixed-rate, $50,000 loan with 25% down.
Auto loan score 60 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - Crouse Federal Credit UnionOlder Vehicles (2018 and Older) - Automobiles (07/13/2026 Rate Sheet) · up to 60 months
Credit union
7.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Based on Experian credit score 680+ and automatic payment.
Auto loan score 60 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as
Terms
Eastern Bank Premier Checking account, Private Bank Checking account and Select Checking account holders receive a 0.50% discount with auto-pay from their Eastern Bank checking account. Other Eastern Bank customers receive a 0.25% discount with auto-pay from their Eastern Bank checking account. The minimum term is 12 months.
Auto loan score 60 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With Autopay (deducted from an Embassy Bank checking account). Monthly payment is $20.27 per $1,000 borrowed.
Auto loan score 60 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as · up to 11.99%
7.99% APR, up to 11.99%
Auto loan score 60 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as · up to 18.00%with conditions
7.99% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate displayed reflects max 1.50% discount. Estimated payment $20.27 to $25.39 per $1,000 borrowed based on a 60-month term.
Auto loan score 60 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as
Terms
Payment example: $25,000 borrowed for 84 months at 7.99% APR = $389.70 per month. Terms up to 84 months. Rates based on borrower's creditworthiness. Not all applicants qualify for lowest rate. Available for purchase of new or used car or refinancing.
Auto loan score 60 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Add 0.50% to rate if payment is not automatically deducted from a Pennsville National Bank account.
Auto loan score 60 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as
Terms
New Auto and Truck financing.
Auto loan score 60 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 7.99%APRas low as
Auto loan score 60 · Carrot Score 97
Rate checked · Auto loans rates on its site
More details - 8.00%APRas low as
Terms
New vehicles. 15% down payment required. Maximum loan amount $50,000. 1/4% rate reduction if payments are automatically deducted from Ascendia Bank checking/savings account. Monthly payment per $1,000 borrowed is $20.28.
Auto loan score 60 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 8.00%APRas low as
Terms
Starting as low as 8% APR. Up to 72 mo.
Auto loan score 60 · Carrot Score 63
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