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 466–480 of 2,919 nationwide · median 5.00% APR
- UnitedOne Credit UnionSecured Loans (Cars, trucks, SUVs, motorcycles, ATVs, snowmobiles, and personal watercraft) · up to 60 months
Credit union
4.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2023 and Newer. Monthly payment per $1,000 is $22.04 with optional payment protection. Rate includes .25% autopay discount and .25% Relationship Rewards discount with $5,000 min new money and checking with direct deposit.
Auto loan score 88 · Carrot Score 88
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
Estimated payment of $18.65 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
100% Financing. Rates as low as.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New Vehicles (60 months)
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 11.74%with conditions
4.49% APR, up to 11.74%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Benefits Checking Account discount (0.50% discount). Any payroll direct deposit into a Benefits Checking account at any points in the prior 60 days.
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
Estimated monthly payment example of $18.65 per $1,000 borrowed for 60 months. Rate assumes discount for automated payments via payroll deduction or transfer.
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Must borrow $10,000.00 minimum
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 7.99%
4.49% APR, up to 7.99%
Terms
For 2023 & newer vehicles. Up to 110% financing.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New 2025-2026 (includes motorcycles). Starting at rate.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
2024-2026 Vehicle Loans. Rates as low as 4.49% APR. Interest rate based on credit score. Terms based on dollar amount financed. Loan subject to credit approval. Rate subject to change without notice.
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Payment per $1,000 is $18.65. Terms may vary, subject to qualification.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 5.49%
4.49% APR, up to 5.49%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 87 · Carrot 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
Standard APR as low as 4.49%. Rate is based on vehicles 5 model years or newer with less than 150,000 miles.
Auto loan score 87 · Carrot Score 87
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?
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