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 316–330 of 2,940 nationwide · median 5.00% APR
- 4.25%APRas low as · up to 5.00%
4.25% APR, up to 5.00%
Terms
Base APR is 5.00%; rate discounts up to -0.75% available (4.25% - 5.00% APR)
Auto loan score 90 · Carrot Score 94
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
New or Used Vehicles and Motorcycles (2022 & Newer). Monthly payment $18.53 per $1,000.
Auto loan score 90 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 7.50%
4.25% APR, up to 7.50%
Terms
New auto loan; 60-month term; 10,000 miles or less.
Auto loan score 90 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 17.00%
4.25% APR, up to 17.00%
Terms
Tiered by credit rating: A+ 4.25% APR, A 4.75% APR, B 5.75% APR, C 7.75% APR, D 9.75% APR, E 17.00% APR. Minimum loan amount financed is $25,000.00 with 100% financing.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 12.25%with conditions
4.25% APR, up to 12.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Maximum Discount Rate as low as 3.50% for an A borrower with all maximum rate discounts applied (0.75%).
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Up to 72 Months. Rates based on credit score and term.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 10.50%
4.25% APR, up to 10.50%
Terms
Up to 60 Months term. Max amount 100% purchase price inc. tax. Certificate of ownership and insurance required.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Maximum term 60 Months. Rates as low as stated; determined based on credit factors.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 16.25%
4.25% APR, up to 16.25%
Terms
New collateral; interest calculated as simple interest on unpaid balances.
Auto loan score 89 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rates as low as.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New Auto or Motorcycle (2023 - 2026)
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.25%
4.25% APR, up to 14.25%
Terms
Rate range varies by credit/conditions; subject to change without prior notice.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New Auto
Auto loan score 89 · 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% APR. The term of 84-months is for new autos only.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Base rate. Available discounts: subtract 0.25% for State of Illinois payroll/pension deduction, subtract 0.25% for relationship pricing.
Auto loan score 89 · 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