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 16–30 of 2,932 nationwide · median 5.00% APR
- 3.49%APRas low as
Terms
With 10% down payment.
Auto loan score 99 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
Enjoy no payments for 3 months. Payment per $1,000 at 3.49% on 36 months is $29.30. Your APR may vary based on creditworthiness, loan amount, age of vehicle, and term of loan.
Auto loan score 99 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
Advertised as low as rate is based on up to 60-month term for new and used vehicle financing up to 125% LTV. Rates based on credit and amount financed.
Auto loan score 99 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
APR rate based on creditworthiness and term of loan. Up to 100% financing.
Auto loan score 98 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
Model year 2025-2026. Up to 7 years. Low as rate is based on a 3 year term. Term is based on year of vehicle. Terms may be based on credit score, model year and mileage.
Auto loan score 97 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
As Low As rate. Based on individual's credit history and capacity to repay.
Auto loan score 92 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Model Year 2025 or Newer.
Auto loan score 98 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Rates and terms available to qualified borrowers. Terms up to 84 months. Available for vehicle purchase or refinancing.
Auto loan score 98 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
'Pick Your Perk' promotional rate discount of 1.00% lower than applicant's qualified loan rate, with a minimum floor rate of 3.50% APR. Requires at least $5,000 of new money financed or refinanced from another institution and scheduled automatic repayments from a CCCU share or share draft account in good standing. Valid August 3, 2026 through October 30, 2026, or until 60 qualifying loans are approved and funded.
Auto loan score 98 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Community First Credit UnionMarathon Loan Sale – Cars, Trucks & Cycles (2020 to 2026) · up to 66 months
Credit union
3.50%APRas low asTerms
Available for 2021 & newer model years only. Monthly payment is based on payment per $1,000 for term and rate shown ($16.68/mo). Requires minimum $10,000 new money to Community First. Cannot be combined with other discounts. Sale ends October 5, 2026.
Auto loan score 98 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Rates as low as. GREAT RATES! FLEXIBLE TERMS! AVAILABLE 24/7!
Auto loan score 98 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as · up to 12.25%
3.50% APR, up to 12.25%
Auto loan score 98 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Subject to credit approval; rates and terms may vary depending on individual credit history, underwriting factors, and market conditions.
Auto loan score 97 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Floor rate for new vehicles is 3.50% APR; terms up to 84 months, minimum term 60 months; minimum amount financed $15,000. Offer is up to 1.00% APR off current or offered and verified APR. Rate based on risk-based pricing, credit score, amount financed, collateral, and loan term.
Auto loan score 97 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as · up to 13.00%
3.50% APR, up to 13.00%
Terms
Model year 2026-2027
Auto loan score 96 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank