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 601–615 of 2,919 nationwide · median 5.00% APR
- 4.50%APRas low as · up to 17.99%
4.50% APR, up to 17.99%
Terms
Conditions vary. Terms 12 to 84 months available. Finance up to 115% of vehicle value. 60-day payment deferral available for qualifying loans funded 07/01/2026 to 12/31/2026.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
5 Year term; Model Years 2025 and newer; Best Rate for 100% financing.
Auto loan score 87 · Carrot Score 86
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
Model years 2023 & newer. Monthly payment per $1,000 is $18.64.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Requires 5%-40% down payment.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates are based on individual credit worthiness. Rates Subject To Change Without Notice.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as 4.5%. Actual APR based upon individual credit worthiness, year of vehicle, term of loan, and applicable prepaid items. Some restrictions may apply.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
New Vehicle APR as low as 4.50%. Call for Details.
Auto loan score 86 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Two Year Old Collateral; Rate based on creditworthiness and term of loan
Auto loan score 86 · Carrot Score 82
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
New Auto
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Credit Score 750+ (Risk: Very Low, Credit Union Score: A+)
Auto loan score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
49-60 months. Payment per $1000 financed is $18.65 (60 months). Model Year 2022 and Newer. APR varies based on credit score.
Auto loan score 86 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 7.50%
4.50% APR, up to 7.50%
Terms
Credit score > 700 to 649-550; best rate requires credit score > 700
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 86 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Maximum loan amount $150,000.00. APR as low as 4.50%. Term up to 96 months.
Auto loan score 86 · Carrot Score 73
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