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 436–450 of 2,949 nationwide · median 5.00% APR
- 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 - 4.49%APRas low as
Terms
Model years 2026-2023. Rates are with qualifying credit.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
As low as 4.49% APR. Terms up to 84 months (approximate term used to calculate payments for open-end loan products). Rate based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates As Low As 4.49% APR* with an Auto Loan; No Payments for 90 Days*
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR with discount as low as 3.99%.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Model Year 2026-2022 Used. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.30 per $1,000 borrowed.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With qualifying credit and direct deposit with automatic payment.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Model year 2023 & newer. Rate advertised as low as with payment of $18.64 per $1,000. Membership eligibility required.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
For 2024-2026 Model Years. Rates as low as 4.49% APR. Same low rate for new or used vehicles.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 6.74%with conditions
4.49% APR, up to 6.74%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2024 - 2025 models. Reflects 0.25% Full Relationship discount with checking and direct deposit.
Auto loan score 89 · 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
2,949 banks and credit unions · checked Oct 22–23
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.62%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank