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 526–540 of 2,919 nationwide · median 5.00% APR
- 4.50%APRas low as
Terms
Financing up to 125% of Kelley Blue Book including tax & license. Rate discounts up to 1.00% available (Auto Pay 0.50%, Gas Saver 0.50%).
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Starting rate as low as 4.50%. Percentage rate depends on Beacon Score and can increase depending on this score.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - CU of EmporiaAutomobiles & Motorcycles, 2022 and newer & under 60k miles · up to 60 months
Credit union
4.50%APRas low asTerms
Up to 60 months; 2022 and newer & under 60k miles.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as rate for 60 months. Rates based on creditworthiness and term of loan. Additional discounts may apply.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Collateral year 2022-2026. Rates as low as stated. 0.15% discount for direct deposit into EMFCU; 0.10% discount for auto pay from EMFCU account.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
For limited time only. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 13.00%
4.50% APR, up to 13.00%
Terms
Vehicle Year: 2025 & Newer (or 2025 or Newer). Credit tiers: 760+ (A+, 4.50%), 700-759 (A, 5.00%), 660-699 (B, 6.25%), 600-659 (C, 7.50%), 0-599 (D, 13.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
FICO 760 and above
Auto loan score 89 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Model Year: 2025 and newer
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - FirstEnergy Family Credit UnionNew and Used Vehicles (up to 1 ton capacity) · up to 60 months
Credit union
4.50%APRas low asTerms
1-5 years old. Up to 100% financing for New or 100% of NADA Avg. Retail for Used.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Greater Nevada Credit UnionNew or Used Auto Loan (Less Than 2 Years Old) · up to 84 months
Credit union
4.50%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate shown assumes excellent borrower credit history, financing a direct new or used auto loan less than two years old at a 36-month loan term, and includes a 0.25% rate discount for a loan-to-value below 90% available for well-qualified borrowers. Terms up to 84 months for well-qualified borrowers. 90-day no payment offer available based on approved credit (extends loan by 3 months, finance charges accrue on unpaid principal).
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 21.95%
4.50% APR, up to 21.95%
Terms
Applies to New & Used Autos, Truck, Vans. Rates, discounts, and terms subject to change. Loans subject to credit and application approval. Relationship discounts (Auto Pay, Credit Life and Disability) or new vehicle discount may apply.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 77
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