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 571–585 of 2,919 nationwide · median 5.00% APR
- 4.50%APRas low as · up to 13.75%
4.50% APR, up to 13.75%
Terms
Rates tiered by credit score: A++ (750+) 4.50%, A+ (720-749) 4.75%, A (650-719) 5.75%, B (620-649) 7.75%, C (549-619) 10.75%, D (548 & below) 13.75%
Auto loan score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 6.00%
4.50% APR, up to 6.00%
Terms
Tiers: Preferred through B (Credit Score 640+; Preferred 715+, A 680-714, B 640-679). Financing: 100% of invoice.
Auto loan score 87 · Carrot Score 84
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
100% Purchase Price. New Auto 2025-2026 or newer with less than 15,000 miles. Stated rate reflects two optional 0.25% discounts (0.25% for loans fully protected with life/disability coverage; 0.25% for direct deposit with automatic loan payments; members may qualify for one discount rate only). Rate depends on credit history and underwriting.
Auto loan score 87 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
FICO score 700 or more
Auto loan score 87 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 12.00%
4.50% APR, up to 12.00%
Terms
Vehicle Type: New. Approximate Term: Up to 84 Months. Rate based on creditworthiness. Vehicle value based on MSRP or source approved by credit union.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 15.00%with conditions
4.50% APR, up to 15.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Your interest rate may be higher or lower depending on your credit history and other deciding factors. The APR reflects all available discounts. Discounts subject to change.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 15.00%with conditions
4.50% APR, up to 15.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available on auto loans for 60 months or less. Auto must be 8 years old or newer. Rate includes 0.25% discount for automatic payments or payroll deduction. Subject to creditworthiness and member qualification.
Auto loan score 87 · Carrot Score 92
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
Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Finger Lakes Health Care Federal Credit UnionAutomobile and Motorcycle - New (2025, 2026, 2027) · up to 60 months
Credit union
4.50%APRas low as · up to 15.00%4.50% APR, up to 15.00%
Terms
Rates range from 4.50% (Tier A+, 760 & above) to 15.00% (Tier D, 500-599) based on credit score.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 15.50%
4.50% APR, up to 15.50%
Terms
Credit score bands 720+ (Paper Grade A: 4.50%) to 579 or less (Paper Grade E: 15.50%). LTV max 125% of MSRP for A, B, C paper; max 115% for D & E paper.
Auto loan score 87 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Celebrate our 70th anniversary with 1 point off your qualified rate as low as 4.50% APR on new autos! Subject to change at anytime so contact us today!
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Special: 5 Years
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New car must be an electric or hybrid vehicle powered by alternative fuels. No maximum loan amount.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 12.75%
4.50% APR, up to 12.75%
Terms
Rate range varies by credit/conditions; subject to change without prior notice.
Auto loan score 87 · Carrot 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