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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.

Vehicle
Institution
Type a ZIP code, city, county, metro area or state, then choose a suggestion with the arrow keys and Enter.

Top new-car loan rates

Showing 286–300 of 2,940 nationwide · median 5.00% APR

  1. Top Carrot, Carrot Score 96
    Acme Continental Credit UnionVehicle · up to 60 months

    Credit union

    4.25%APRas low as
  2. Advance Financial Federal Credit UnionNew Vehicles · 37–60 months

    Credit union

    4.25%APRas low as
  3. Top Carrot, Carrot Score 89
    Associated Credit UnionVehicle Loan · up to 84 months

    Credit union

    4.25%APRas low as · up to 14.75%
  4. Blaw Knox Credit UnionVehicle Loan

    Credit union

    4.25%APRas low as
  5. Business & Industrial FCUAuto Loan · up to 60 months

    Credit union

    4.25%APRas low as
  6. C1CU - Community One Credit UnionNew & Used Vehicle Loans · up to 84 months

    Credit union

    4.25%APRas low as
  7. Top Carrot, Carrot Score 97
    Chivaho Federal Credit UnionMember Advantage Auto Loan · up to 75 months

    Credit union

    4.25%APRas low as
  8. Top Carrot, Carrot Score 89
    Circle Federal Credit UnionNew & Used Vehicle · up to 84 months

    Credit union

    4.25%APRas low as · up to 7.25%
  9. Top Carrot, Carrot Score 98
    Community First Credit UnionVehicle Loans - Cars, Trucks, & Cycles · up to 60 months

    Credit union

    4.25%APRas low as
  10. Top Carrot, Carrot Score 87
    Cy-Fair FCUNew & Used Auto · 36–84 months

    Credit union

    4.25%APRas low as
  11. DFCU TulsaAuto Loans (All Vehicles 5,000 miles or less) · up to 66 months

    Credit union

    4.25%APRas low as
  12. Top Carrot, Carrot Score 93
    First Peoples Community Federal Credit UnionAuto Loans · 49–60 months

    Credit union

    4.25%APRas low as
  13. Top Carrot, Carrot Score 87
    GR Consumers Credit UnionNew/Used Auto

    Credit union

    4.25%APRas low as
  14. Great Basin Federal Credit UnionAuto Loans · up to 60 months

    Credit union

    4.25%APRas low as · up to 16.75%
  15. Gulf Credit UnionNew & Used Autos · up to 60 months

    Credit union

    4.25%APRas low as

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

2,940 banks and credit unions · checked Oct 16–23

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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Nationwide

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Comenity Capital BankBank
  2. Synchrony BankBank
  3. Barclays Bank DelawareBank
See all ranked institutions

Auto loan rates by state