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 2866–2880 of 2,905 nationwide · median 5.00% APR
- 8.00%APRas low as
Terms
Monthly payment of $20.28 per $1,000.
Auto loan score 60 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 8.00%APRas low as · up to 8.25%
8.00% APR, up to 8.25%
Terms
Model Year: New
Auto loan score 60 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 8.00%APRas low as
Terms
Model year 2026. Maximum 95% of purchase price (must have less than 6,000 miles and be titled). Loans up to $50,000. Payment per $1,000 is $20.27.
Auto loan score 60 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 8.00%APRas low as
Terms
Monthly payment per $1,000 is $20.28.
Auto loan score 60 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 8.00%APRas low as
Auto loan score 60 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 8.02%APRas low as
Terms
Auto/Truck 2025-2026. Payment per $1,000 financed is $19.89. APR is based on a $5,000 loan and includes one-time processing fee of $99.00. VSI (Vendor Single Interest Insurance) fee is $50.00, required when the loan amount is greater than $2,000.
Auto loan score 60 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 8.10%APRas low as
Terms
With 60 equal payments; payments from $20.33 per $1,000 for 60 months; new and used 2011+; minimum loan amount $10,000.
Auto loan score 60 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 8.13%APRas low as · up to 10.13%
8.13% APR, up to 10.13%
Terms
2022 & Newer model years. 8.125% APR for credit score 750 & Over, 9.125% APR for 700 - 750, 10.125% APR for 620 - 700.
Auto loan score 60 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 8.13%APRas low as
Terms
Term range: 12-60 months. Eligible for a 0.250% preferred rate reduction with automatic payment deducted from a checking or savings account at Unity Bank.
Auto loan score 60 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 8.19%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum term 60 months. Monthly payment per $1,000 borrowed is $20.37.
Auto loan score 60 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 8.24%APRas low as
Terms
APR as low as stated. 96-month terms are available exclusively for A-tier members. Loan approval is based on creditworthiness.
Auto loan score 76 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 8.24%APRas low as
Terms
Maximum loan-to-value ratio up to 90%. Rates may vary based on credit score, loan-to-value ratio, year of vehicle, and loan amount.
Auto loan score 60 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 8.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New (Up to 72 Months). Monthly payment per $1,000 is $17.66 at 72 months. Rate includes a 0.25% discount for automatic payment withdrawal from Neffs National Bank checking or savings account. Removal of automatic payment withdrawal will increase the rate by 0.25%. Insurance may be required.
Auto loan score 60 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 8.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle year 2025 - 2026. APR assumes automatic monthly payments, loan amount of $5,000 or more, credit scores over 699, total debt ratio of 43% or less, and no adverse underwriting factors. Payment per $1,000 is $20.40.
Auto loan score 60 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 8.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With AutoPay.
Auto loan score 60 · 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
2,905 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