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 511–525 of 2,919 nationwide · median 5.00% APR
- 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.50% APR auto payment discount.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Terms
Rate determined by credit score. Maximum rate is 18%. Add-ons apply. Maximum loan terms are based on loan amount. Applications subject to credit approval. Collateral must meet minimum underwriting standards.
Auto loan score 83 · Carrot Score 75
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 Auto Pay. Vehicle model year New - 2026. Merit-based rate based on creditworthiness and term.
Auto loan score 83 · Carrot Score 84
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
Lowest available rate; includes 0.50% combined discount.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Parishioners Federal Credit UnionNew (2025-2026) and Used Autos (current model years) · 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
As low as 4.49% (APR Without Discounts: 5.49%). Includes up to 1.00% in available discounts.
Auto loan score 81 · 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
New Cars & Trucks 2025 & Newer at 60 months. Rate assumes a 0.50% payroll deposit discount; will vary depending on credit score, term, loan to value, and age of collateral. Lowest possible rate adds 0.25% for each year over 48 months up to 84 months.
Auto loan score 81 · 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
Applies to automobiles with a model year five years past the current model year or newer with less than 100,000 miles. Monthly payments are estimated at $15.88 per $1,000 financed with no down payment. The APR includes a 1.00% discount for monthly automatic payment from a First Community checking account; failure to maintain results in a permanent 1.00% APR increase. Offer applies to finance new and used automobile purchases and loans refinanced from another financial institution. Repayment period and loan-to-value limits are based on creditworthiness, loan amount and collateral.
Auto loan score 74 · Carrot Score 64
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 1.00% rate discount for payment by Automatic Transfer. Current & prior 5 years. 100% Financing.
Auto loan score 70 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
2024-2027 Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate requires automatic payments from an AFCU Checking Account. Loan applications must be submitted and funded by October 31, 2026. Rate based on creditworthiness. Monthly payment per $1,000 borrowed for 60 months is $18.65.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New or Used Auto; no payments for first 90 days
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 18.00%
4.50% APR, up to 18.00%
Terms
Loan rates vary due to Risk Based Lending Guidelines.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New Cars; 20% Down Payment.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 10.25%
4.50% APR, up to 10.25%
Terms
Auto Year 2023-2025; 100% NADA Retail
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Model Year: 2025-2026. As low as rate. Subject to credit approval and minimum credit score.
Auto loan score 89 · 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