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 31–45 of 2,932 nationwide · median 5.00% APR
- 3.50%APRas low as
Terms
Starting as low as. Rate Subject to Term.
Auto loan score 94 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character.
Auto loan score 93 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.54%APRas low as · up to 18.00%
3.54% APR, up to 18.00%
Terms
Fixed APR. 72-months for $40,000 and above. Lending rates are subject to credit criteria and approval.
Auto loan score 98 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.59%APRas low as
Terms
Fixed rate - terms vary; contact us for details. To qualify for the 25 basis point discount, borrower must establish automatic loan payments from a Go Energy Credit Union checking account within thirty (30) days of the loan funding date and maintain automatic loan payments throughout the life of the loan.
Auto loan score 98 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.59%APRas low as · up to 14.69%
3.59% APR, up to 14.69%
Terms
Rate is determined by credit risk score; 30% down for lowest rate; additional .25% discount if payroll deducted.
Auto loan score 96 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.64%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Evergreen Advantage Program discount (up to 1.00% total off for E-Statements, Full Direct Deposit, Checking Account, Western PA Visa Credit Card).
Auto loan score 95 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.65%APRas low as
Terms
Rate determined by term; up to 120% financing; terms up to 84 months.
Auto loan score 96 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 3.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% auto pay discount. Subject to creditworthiness. Applies to new and used auto loans.
Auto loan score 96 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.70%APRas low as
Terms
Current promotion for qualified borrowers. Vehicle must be 2024 or newer with no more than 1,000 miles. Fixed APR of 3.70% with monthly payments of $18.28 per $1,000 borrowed. Proof of income required at funding.
Auto loan score 94 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
Vehicle year: 2023 and Newer. 60 monthly payments of $18.28 per $1,000.00 borrowed. Existing CCNCU loans are excluded from this rate.
Auto loan score 98 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
As low as rate. Terms and conditions apply.
Auto loan score 98 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
As low as 3.74% on 36 month term. Up to 84 month terms available; rates based on term selected. Collateral: 2025 or newer, 10,000 miles or less.
Auto loan score 96 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2022-2026, any make/model. Includes 0.25% discount with automatic payment from a Sunmark checking account and monthly direct deposit of at least $500. Term up to 60 months. Up to 115% Kelly Blue Book value. Minimum loan amount $2,500. Payment calculation based on $18.30 per $1,000 borrowed on a $30,000 loan for 60 months.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New Auto Purchase (Never Titled), term 49-60 months. Includes maximum rate reduction discount of 1.50% APR.
Auto loan score 93 · Carrot Score 83
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
2,932 banks and credit unions · checked Oct 15–22
- 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