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 496–510 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
Estimated payment $18.64 per $1,000 for 60 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%.
Auto loan score 85 · 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
Monthly payment is $18.64 per $1,000 borrowed. Includes a 0.25% discount for enrollment in automatic monthly loan payments.
Auto loan score 85 · Carrot Score 98
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 includes .25% reduction for direct deposit, VISA credit card or automatic loan payment from your UGEFCU account.
Auto loan score 85 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - Virginia State University Federal Credit UnionNew Vehicles & Motorcycles Model Year 2021-2025 · up to 84 months
Credit union
4.49%APRas low as · up to 12.49%4.49% APR, up to 12.49%
Terms
Model Year 2021-2025. Up to 84 Months.
Auto loan score 85 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Daily periodic rate is .0123. APR as low as.
Auto loan score 83 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Base rate as low as 4.49% APR.
Auto loan score 83 · 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
Model year 2025 and Newer. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 5.74%
4.49% APR, up to 5.74%
Terms
$25,000 minimum on 73-84 mo. loans. Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history.
Auto loan score 83 · Carrot Score 79
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 FCB Discount (0.50% off base rate). Requires an automatic payment from an open First Command Bank deposit account prior to loan funding.
Auto loan score 83 · Carrot Score 68
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
Up to 125% of MSRP with approved credit. Reflects all available discounts.
Auto loan score 83 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
With 0.25% discount for direct deposit of at least $1,000/month to POLAM FCU account. FICO 700+ for lowest rate.
Auto loan score 83 · 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
New Auto (2024 & newer)
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay.
Terms
Rates as low as 4.49% APR assume excellent credit and include discounts. Members may be eligible for up to 2 of 3 available discounts (up to a 1% APR rate discount): 0.50% discount for an approved automated payment method, 0.50% discount for loan-to-value (LTV) that is 100% or less, and 0.50% Loyalty discount for members who have had a loan with us within the last five years or membership history of 10+ years. Repayment terms up to 84 months for vehicle model year 2014 or newer.
Auto loan score 83 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
80% financing with terms up to 60 months. Rates apply to new vehicles of the current or previous model year.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
For model year 2021 and newer vehicles. Promotional rate for applications received September 1, 2026, through October 31, 2026. Maximum term 72 months. No additional rate discounts apply. Subject to credit approval.
Auto loan 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
2,919 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