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 451–465 of 2,919 nationwide · median 5.00% APR
- 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
60 month loan at 4.49% APR is $18.78 per $1000 borrowed (payment calculated with first payment in 90 days). Models 2020 and newer. Includes 0.25% rate reduction for automatic transfer or payroll deduction. Longer terms available.
Auto loan score 88 · Carrot Score 77
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
Model Years 2021-2024. Quoted rates include a member discount for an active checking account with direct deposit and automatic payment of loan.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New (2025-2024) vehicles. Rate stated for 60 month term; maximum term is 84 months.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Credit Grade A+ (730+)
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
*APR as low as. Rates quoted assume excellent borrower credit history.
Auto loan score 88 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 12.74%
4.49% APR, up to 12.74%
Terms
Purchase & Refinance option for new cars. Model year 2024 and newer.
Auto loan score 88 · Carrot Score 86
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
Max Amount Financed up to 125%. Includes 0.50% Relationship Benefits discount.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Individual rates based on credit worthiness. All terms, conditions and rates subject to loan officer approval. Example Payment (per $1,000): $85.31.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 17.99%with conditions
4.49% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2019 Model year or newer. Includes 0.25% autopay and 0.50% direct deposit discounts.
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Model years 2026-2025. Rate as low as 4.49% APR.
Auto loan score 88 · Carrot Score 84
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
Model years 2021 and newer; financing up to 120% LTV.
Auto loan score 88 · Carrot Score 94
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
Fixed rate 'As Low As'. Includes 1.00% Ambassador Loyalty+ bonus discount (must be maintained throughout loan term) and highest credit tier. Vehicles 7 model years or newer with less than 75K miles. Terms up to 48 months: vehicles must be less than 7 model years old (2020-2026+) with less than 75,000 miles, minimum loan amount $5,000. Terms 49 to 60 months: vehicles must be less than 5 model years old (2022-2026+) with less than 60,000 miles, minimum loan amount $10,000.
Auto loan score 88 · Carrot Score 92
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
For model years 2016 or newer. Rate includes a 0.25% discount for Direct Deposit from a payroll entity combined with auto pay from a TCCU account. Rate varies depending on creditworthiness, qualifications, collateral, and requested terms. Additional discounts available.
Auto loan score 88 · Carrot Score 89
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
Reflects a 0.25% APR discount for enrollment in automatic payments from an active TCCU checking account at funding and throughout the life of the loan.
Auto loan score 88 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 17.04%
4.49% APR, up to 17.04%
Terms
Rates determined by credit score (740+ / Grade A+ at 4.49% to 579 & Below / Grade E at 17.04%). Rates include a 0.25% discount available with Direct Deposit. Add 0.25% for terms 61-72 months or add .50% for terms 73-84 months. Rates stated are for 2025 and newer secured vehicle loans.
Auto loan score 88 · Carrot Score 88
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
2,919 banks and credit unions · checked Oct 22–24
- 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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank