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 421–435 of 2,940 nationwide · median 5.00% APR
- 4.49%APRas low as
Terms
Must borrow $10,000.00 minimum
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 22.00%
4.49% APR, up to 22.00%
Terms
Based on creditworthiness.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
2021 + newer models APR as low as.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
As low as 4.49% APR. Terms include 36, 48, 60, 72 months for loans up to $100,000. Calculator provides general estimations only.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates listed are best available based on approved credit. 37 - 60 months.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
49 to 60 months.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates as low as 4.49% APR. Illustrative example: $10,000 loan for 96 months has approximate monthly payment of $125.55. Available for new vehicles only (previous year and newer model years with 30,000 or fewer miles).
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 5.99%
4.49% APR, up to 5.99%
Terms
Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates are determined by credit score, term and age of the collateral. Example: finance $10,000 at 4.49% for 48 months has payment of $228.01.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Flexible terms available. Rate subject to credit approval; terms and conditions subject to change.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Model years 2026-2023 Auto & Recreational. Finance up to 100% of purchase price plus taxes and fees. Payment per $1,000: $18.64. Rate based on term, credit score, and credit tiers.
Auto loan score 89 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
2024 or newer vehicle, credit score 750+, term up to 60 months. Approved by Board of Directors on 02/19/2026.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
APR as low as 4.49%
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Model Year 2022 or Newer. Maximum Mileage 50,000. APR as low as 4.49%. Estimated payment per $1,000 is $17.35.
Auto loan score 89 · Carrot Score 95
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%
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank