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.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 481–495 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
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 - 4.49%APRas low as
Terms
Rates as low as.
Auto loan score 87 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 86 · Carrot Score 72
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
As low as APR for well-qualified borrowers. Includes 0.50% auto payment discount and 0.50% New Cars Inc. discount. Finance amount $10,000 and up. Maximum term 60 months.
Auto loan score 86 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Prior Year & Current Year (untitled) Vehicles. Limited to purchase price. Copy of purchase order required. $75,000 limit. Minimum monthly payment per $1,000 is $25.78.
Auto loan score 86 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan 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
Model Year New 2026 – 2024 (Untitled). As low as rate. Includes 0.25% discount for automatic deduction of payment from deposit account with e-statements. Rates shown are for qualified borrowers.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New Auto Loans 4.49% Loan Promotion for 60 Month New Vehicle Loans.
Auto loan score 86 · Carrot Score 73
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
Current Year + 2 Years (2026-2025-2024). Includes 0.50% discount for autopay/payroll deduction.
Auto loan score 85 · Carrot Score 82
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
2025 to 2027 Model Years. Includes 0.26% discount for LTV <= 80% or autopay from DPCU checking. Max 10,000 miles.
Auto loan score 85 · 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
Rate reflects 'as low as' and includes 0.25% APR automatic payment discount.
Auto loan score 85 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 16.99%
4.49% APR, up to 16.99%
Terms
Rates and terms are based on individual credit worthiness, qualifications, collateral age, and conditions.
Auto loan score 85 · Carrot Score 76
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
Rates as low as 4.49% APR. Includes 0.50% automatic payment discount from checking account. 73-84 month terms available for vehicles within 3 model years or less; shorter terms may be required to qualify for APR.
Auto loan score 85 · Carrot Score 81
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
Includes 0.25% discount for automatic transfer payments.
Auto loan score 85 · 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
Includes 0.25% automatic payment and direct deposit discount (minimum $200 monthly direct deposit).
Auto loan score 85 · Carrot Score 85
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