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 541–555 of 2,919 nationwide · median 5.00% APR
- 4.50%APRas low as
Terms
Up to 5 Years (60 months). 100% financing.
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 8.00%
4.50% APR, up to 8.00%
Terms
Credit Score 650+ for 4.5%, 626–649 for 6.5%, 601–625 for 7.5%, 600 for 8%
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 11.50%
4.50% APR, up to 11.50%
Terms
Fixed Rate APR based on creditworthiness and term of loan.
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 11.00%
4.50% APR, up to 11.00%
Terms
Vehicle model years 2022-2027. Plan code 87 AA. Tier G (740 & ABOVE): 4.50% APR; Tier A (710-739): 4.75% APR; Tier B (680-709): 5.00% APR; Tier C (650-679): 6.00% APR; Tier D (620-649): 8.00% APR; Tier E (619 & BELOW): 11.00% APR.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New auto loan
Auto loan score 89 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 11.25%
4.50% APR, up to 11.25%
Terms
Credit score 730+ (Platinum) for lowest APR; 549 or less (E) for highest APR. May receive a 0.25% discount if loan payment is payroll deduction or autopay.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as; financing for new vehicles.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Starting as low as 4.50% for credit scores 700 and above. Up to $250,000 loan amount.
Auto loan score 89 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
100% financing. Rates as low as 4.50% APR (or 3.50% APR with eligible Loan Rate Discount Program reductions).
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as 4.50% APY. Same low rate for new or used vehicles.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 5.25%
4.50% APR, up to 5.25%
Terms
Minimum $20K loan amount. Base APR is 5.25%; rate discounts up to -0.75% available (4.50% - 5.25% APR)
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as rate subject to credit history, repayment term, and collateral. New, used, or refinanced. Excludes existing RiverLand loans. Minimum payment per $100 borrowed is $1.87.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
For qualified borrowers, based on model year and credit score. Starting APR. Rates are subject to credit approval, term, and product eligibility.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as rate for New and Used Autos/Trucks/Motorcycles. APR varies based on length of time financed and Beacon Score®.
Auto loan score 89
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