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 376–390 of 2,940 nationwide · median 5.00% APR
- 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Auto loan score 91 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Rates as low as 4.35% APR for 60 months term. Rate based on creditworthiness. Vehicles older than 2014 and vehicles with mileage exceeding 75,000 may increase rate.
Auto loan score 91 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Risk Grade A+, Model Year 2025 to 2027
Auto loan score 91 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Rate as low as 4.35% APR for terms up to 60 months; reduced by 0.10% APR if application is submitted online.
Auto loan score 91 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Special rate applies to eligible new auto loans funded between September 1, 2026 and October 31, 2026; terms up to 60 months; up to $150,000 financing.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.38%APRas low as
Terms
Fixed rate
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.38%APRas low as
Terms
APR as low as 4.38%. Rate customized based on credit history, loan type, value of collateral, and term requested. Some restrictions may apply. Applicable to new or used vehicles.
Auto loan score 91 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a 0.50% discount on electronic payment from a United Teletech Checking Account and a 0.25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR. Flexible loan terms up to 84 months.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as
Terms
Rates are 'as low as' and subject to change without notice. Rates and terms subject to normal credit policies, creditworthiness, and age of collateral, miles, and value. Additional rate discounts available with automatic payments enrollment.
Auto loan score 91 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as
Terms
Model year 2023 and Newer
Auto loan score 91 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as · up to 15.04%
4.39% APR, up to 15.04%
Terms
Up to 85% Financing
Auto loan score 91 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as
Terms
Model Year 2020 - Present. Rate is risk-based (as low as).
Auto loan score 91 · Carrot Score 91
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