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 361–375 of 2,940 nationwide · median 5.00% APR
- 4.29%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 91 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
2023+ model years; no payments for 60 days. Other terms and rates available.
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Fall Auto Loan Promotion: 90 days no payments / deferred payment, $160 standard processing fee waived. Existing Emerald Credit Union auto loans are not eligible for refinance under this promotion.
Auto loan score 88 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Approximate term 49-60 months.
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Vehicle model year: 2024-2026
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR as low as with 10,000 Loyalty Points redeemed for a 0.50% rate reduction at time of application. Based on creditworthiness. Schedule-wide APR ranges from 3.49% to 18.00%. For vehicles up to 10 model years old. Minimum amount financed requirements apply to terms exceeding 60 months.
Auto loan score 88 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Advertised 'as low as' APR assumes excellent borrower credit history. Financing up to 100% MSRP/NADA value. New vehicles are 2025 and newer model years with 10,000 or fewer miles.
Auto loan score 85 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.30%APRas low as
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.30%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Peoples Preferred Club enrollment (0.50% discount) and Pre-Approval (0.25% discount). Rate is based on approved credit and subject to change with length of term and credit rating.
Auto loan score 87 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.32%APRas low as
Terms
Fixed-rate starting APR for qualified borrowers based on underwriting criteria and term of loan. Available for new and used vehicles up to 10 years old. One-time $50 processing fee applies on purchase loans.
Rate checked · Auto loans rates on its site
Rates and branches - 4.32%APRas low as
Terms
New (current or previous model year with 30,000 miles or less). Rate as low as stated. Example based on $30,000 loan for 48 months ($678.37/month) and processing fee of $50.
Auto loan score 87 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
As low as 4.34% APR. Rate based on creditworthiness.
Auto loan score 91 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as · up to 23.99%
4.34% APR, up to 23.99%
Terms
Rate is based on credit history, term of loan, amount financed, and collateral age. Financing includes tax, license, dealer options, warranty, and insurance products subject to credit qualifications. Loan amounts based on JD Power book prices or dealer invoices for new vehicles. Applicable to new and used cars.
Auto loan score 91 · 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