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 391–405 of 2,940 nationwide · median 5.00% APR
- 4.39%APRas low as
Terms
As low as 4.39% APR. Rate based on creditworthiness and term of loan.
Auto loan score 91 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - Summit Choice Credit UnionAuto Loans - Cars, Trucks, Street Motorcycles (New and Used) · up to 60 months
Credit union
4.39%APRas low asTerms
Promotional rate valid October 1 – October 31, 2026 on 2024 model year and newer for up to 60 months. Subject to credit approval. Product maintenance fee of $99.00 applies. First payment deferred up to 90 days available for qualified borrowers; interest starts at disbursement. Longer terms available. Rate as low as 4.39% APR.
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay.
Terms
With Auto Pay Discount. Same rate on NEW or USED vehicles. As low as rate based on creditworthiness.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as · up to 15.49%
4.39% APR, up to 15.49%
Terms
New Collateral
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as
Terms
For terms 37 to 60 months on 2025 and newer vehicles.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.39% APR with terms up to 84 months. Rate includes a 0.25% discount for Auto Pay / auto deduct from a Choice One share or share draft account. Up to 110% financing on vehicles.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 2% Full-Service Discount. On approved credit. Rates and terms subject to creditworthiness. Restrictions apply. Does not include internal refinancing. Up to 120 months maximum term (10-year term).
Auto loan score 88 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as · up to 11.89%
4.39% APR, up to 11.89%
Terms
New & Used vehicles with 25,000 miles or less. Loan amount over $30,000 required to qualify for up to 84 months terms. Rates depend on credit strength and collateral. Credit approval required. Insurance proof required.
Auto loan score 85 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as
Terms
Rates 'as low as' dependent on loan amount, collateral value, age of collateral, term and fees, and creditworthiness. Terms up to 72 months.
Auto loan score 91 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as
Terms
As low as APR based on credit evaluation.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as · up to 11.15%
4.40% APR, up to 11.15%
Terms
APR range for 37-60 month term. Subject to credit approval; not all applicants may qualify for the fixed base rate; rate determined by credit history. No annual fee.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as
Terms
Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services.
Auto loan score 88 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2024 and Newer Vehicles 100% financing up to 72 months. Rate received is based on personal credit rating. Reflects auto pay discount.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as
Terms
APR as low as. Rates based on individual credit history.
Auto loan score 87 · Carrot Score 82
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