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 556–570 of 2,919 nationwide · median 5.00% APR
- 4.50%APRas low as · up to 18.00%
4.50% APR, up to 18.00%
Terms
Please submit proof of income with your loan application for all non-share secured loans.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Vehicle: 2026/2025* (UNTITLED 2025) - 100%; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years
Auto loan score 89 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Auto Purchases. Vehicles must be model year 2018 or newer and mileage cannot exceed 100,000. No salvage or bonded titles. All parties on registration must be on the loan. Maximum term and final rate are based on credit score, vehicle year, vehicle value, term, and loan amount.
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Awesome rates on new and used! Refinance today!
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as 4.50% APR for terms up to 60 months. No minimum.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.50% APR with Relationship Rewards. 0.25% off regular auto loan rates for hybrid and electric vehicles. Terms up to 84 months.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Model years 2022-2025; Up to 60 Months
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate based on creditworthiness, down payment, term of loan, age of vehicle, and discounts. Loan subject to approval. Rate shown is based on discounts and other factors.
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates may vary based upon individual credit worthiness.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Terms up to 84 months. *Terms and conditions may apply.
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 10.00%
4.50% APR, up to 10.00%
Terms
Tiered by credit rating: A+ 4.50% APR, A 5.00% APR, B 6.00% APR, C 8.00% APR, D 10.00% APR; E credit rating is N/A. Minimum loan amount is $40,000.00 (may go lower if total vehicle price is higher due to down payment or trade-in).
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Model years 2026 – 2027. 100% or up to 125% Financing & VSI / $125,000 Maximum.
Auto loan score 88 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as.
Auto loan score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Loan amount over $20,000
Auto loan score 88 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 88 · Carrot Score 82
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