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 301–315 of 2,940 nationwide · median 5.00% APR
- 4.25%APRas low as
Auto loan score 92 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rates based on credit scores. Rates are not available for refinancing existing loans with the IMKCFCU and are subject to change. Individual rates and terms may vary based on credit score, age of collateral, and term of loan.
Auto loan score 92 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 15.75%
4.25% APR, up to 15.75%
Terms
Minimum $30,000.00 for loans financed for 72 months and above.
Auto loan score 92 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rates as low as 4.25%. Up to 100% financing for most vehicle purchases and terms available up to 7 years. New or pre-owned vehicles.
Auto loan score 92 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
As low as 4.25%. Up to 72 months financing, 100% financing for qualified buyers.
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Credit score 730+; Maximum LTV 110%
Auto loan score 92 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Model year 2025-2026.
Auto loan score 92 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to new, never-titled vehicles. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score.
Auto loan score 91 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as 4.25% APR; determined by credit evaluation, loan term, loan-to-value, and direct deposit/payroll deduction.
Auto loan score 91 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
2026 – 25 models; New Car = 2026 and 25 year models, less than or equal to 10,000 miles
Auto loan score 90 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Financing up to 100% of the invoice price; flexible terms up to 7 years.
Auto loan score 90 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Monthly payment per $1,000 borrowed is $18.53. Up to 90% financing without payroll deduction or file transfer, up to 100% with payroll deduction or file transfer.
Auto loan score 90 · Carrot Score 89
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
2,940 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
- Synchrony BankBank