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 331–345 of 2,940 nationwide · median 5.00% APR
- 4.25%APRas low as
Terms
Age: NEW
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Fixed APR. $25,000 minimum Sticker Price.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rate is as low as 4.25% APR for terms as long as 108 Months. Rate may vary based on term selected and credit standing. Adjustments made for credit worthiness, account relationships, loan types, and loan value ratios.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rate is as low as 4.25%; subject to credit approval. Applicants not approved at these rates or terms may be offered credit at a higher rate and/or different terms.
Auto loan score 89 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - Vision Financial Federal Credit UnionNew Auto (Less than 10,000 miles) · up to 72 months
Credit union
4.25%APRas low asTerms
Rate as low as. For new autos with less than 10,000 miles. Interest rate determined by Equifax Beacon Score on date of loan closing.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Up to 100% financing for 2023 & newer models. Rate based on creditworthiness and term of loan.
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New Automobiles & Motorcycles 2023-2027.
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 16.00%
4.25% APR, up to 16.00%
Terms
Model year 2026-2024; Max 100% (A/B Tier), Max 80% (C Tier), Max 75% (D Tier)
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 88 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.50%
4.25% APR, up to 14.50%
Terms
Rates are based on individual credit history and term.
Auto loan score 87 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.49%
4.25% APR, up to 14.49%
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Tier A+ (Credit score 730+). Minimum loan amount $15,000.
Auto loan score 87 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New Car Loans. Rates as low as 4.25% APR.
Auto loan score 87 · Carrot Score 86
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
APR as low as. Rate includes 0.75% total discount (0.50% for direct deposit and auto pay, 0.25% for financing an eligible electric or hybrid vehicle). Payment per $1,000 is $18.53.
Auto loan score 87 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
2026 (or) 2025 (Never Titled). Add .5% for 72 months for qualifying vehicles; add 1.00% for 84 months for qualifying vehicles.
Auto loan score 87 · Carrot Score 83
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