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.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 346–360 of 2,940 nationwide · median 5.00% APR
- 4.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as for well qualified borrowers. Minimum loan amount $5,000.00. Assumes a 0.50% discount for making automatic payments. Refinances of existing Metro Credit Union loans are not eligible.
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New 2026-2025 models; 100% financing (New). Certain restrictions may apply.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Louisville/Jefferson County Metropolitan Sewer District (MSD)AUTO - NEW · up to 72 months
Credit union
4.25%APRas low asTerms
As low as 4.25% APR; maximum term 72 months; 100% amount financed retail; maximum limit based on current market value.
Auto loan score 86 · Carrot Score 73
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
Includes 0.25% discount for automatic payment.
Auto loan score 85 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Emerald Empire Federal Credit UnionNew Vehicles Loans (2024 and Newer) Auto's / Trucks · up to 84 months
Credit union
4.25%APRas low as · up to 14.25%with conditions4.25% APR, up to 14.25%
This rate needs autopay.
Terms
With Auto Payment. May be discounted up to .25% based upon loan payment being set up on automatic repayment from an Emerald Empire Federal Credit Union account. Fixed APR based on credit qualifications, term of loan and loan amount.
Auto loan score 85 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rate as low as 4.25% APR. Must meet Rome Kraft Employees Credit Union membership requirements.
Auto loan score 85 · Carrot Score 73
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
Term: 60 months or less.
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New car rates as low as 4.25% for 5 years (60 months) with automatic payments.
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 16.25%with conditions
4.25% APR, up to 16.25%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $18.50 - $24.28.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.26%APRas low as
Terms
Lowest rates offered for the products advertised based on $30,000 financed with a 48-month term and loan to value <= 80%. Terms available up to 84 months.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.26%APRas low as
Terms
Subject to credit approval. Rates as low as listed.
Auto loan score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.27%APRas low as · up to 15.47%
4.27% APR, up to 15.47%
Terms
APR varies by credit tier (A+ to E). 100% financing available for qualified borrowers.
Auto loan score 92 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as · up to 13.19%
4.29% APR, up to 13.19%
Terms
Mileage: 0-25K Miles
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as · up to 17.99%
4.29% APR, up to 17.99%
Terms
Model years 2025-2024. Down payment as low as 0%.
Auto loan score 92 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Lowest Annual Percentage Rate (APR). Based on creditworthiness and term.
Auto loan score 92 · Carrot Score 93
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?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank