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 46–60 of 2,932 nationwide · median 5.00% APR
- 3.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as; includes 1/4% Secure Checking account discount. Maximum limit 125% of MSRP, Maximum $30,000.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
Approx term Up to 60 Months. APR as low as 3.74%.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
will finance 100% up to 84 months; $65,000.00 or less.
Auto loan score 88 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
$15,000 minimum loan on 61-72 mo. loans. Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history.
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as · up to 15.25%
3.75% APR, up to 15.25%
Terms
Overall APR range for new and used auto loans.
Auto loan score 97 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
2023 - Newer vehicles; Tier A (Credit score 700+)
Auto loan score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 97 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Applies to 2025 and 2026 vehicles with 15,000 miles or less.
Auto loan score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Auto loan rates as low as 3.75% APR. Membership eligibility applies. Subject to credit approval.
Auto loan score 97 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Rates listed are our best rates (A+ credit) based on credit approval and our lending requirements.
Auto loan score 97 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Auto loan score 97 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Up to 84 months. Term varies by amount financed.
Auto loan score 96 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Combined Employees Credit UnionNew & Current Model Autos (Under 15,000 Miles) · up to 60 months
Credit union
3.75%APRas low asTerms
As low as rate.
Auto loan score 95 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as · up to 9.00%
3.75% APR, up to 9.00%
Terms
Credit tiers: Platinum (730+) 3.75%, Preferred (729-680) 4.75%, Standard (679-620) 7.00%, Credit Builder (619 and Below) 9.00%; 5 Years term; Up to 100% LTV
Auto loan score 95 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as · up to 11.00%
3.75% APR, up to 11.00%
Terms
Tier A: 3.75% APR, Tier B: 6.75% APR, Tier C: 8.25% APR, Tier D: 11.00% APR.
Auto loan score 94 · Carrot Score 91
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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