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 616–630 of 2,919 nationwide · median 5.00% APR
- 4.50%APRas low as
Terms
90-100% financing. Term up to 72 months.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 10.50%
4.50% APR, up to 10.50%
Terms
3 years old or newer. Risk-based pricing based on creditworthiness; does not apply to existing credit union loans.
Auto loan score 86 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
For 2024 and newer vehicles. Rates are lowest possible rates based on credit score.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Erie Fire Fighters Federal Credit UnionSecured / NEWER auto-motorcycle loans · up to 72 months
Credit union
4.50%APRas low as · up to 14.00%4.50% APR, up to 14.00%
Terms
Rates vary by Credit Grade from A+ (800-850 FICO Classic 08, 4.50% APR) to E (539 and below, 14.00% APR). Maximum loan amount up to 100% of MSRP Value. Maximum term 72 months.
Auto loan score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Model years 2026, 2025. Lower interest rate for 48 & 60 month terms are only offered for New Vehicles with A+, A, & B scores. Rate based on credit worthiness. Rates listed are as low as.
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Promotional rate. Actual APR will be based on loan terms. No Refinancing of current HELCO FCU loans. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications, and collateral conditions. Members must qualify under HELCO FCU's membership and lending guidelines.
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Credit score 700 - up
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as 4.50%. Up to 84 mo. term.
Auto loan score 85 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Credit qualifications apply. New and used 2023 and newer vehicles.
Auto loan score 85 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
All loans subject to credit approval within underwriting guidelines. Rates subject to change without notice.
Auto loan score 85 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 85 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Subject to credit approval. 2024-2026 models, less than 10,000 miles, dealer purchase with invoice or buyer order required. Advertised rate based on credit score, term, and any discount applied.
Auto loan score 85 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
2025 & 2026 vehicles. LTV up to 100%. Rate may vary based on credit score, repayment options, and $1,000.00 in Savings Account. Credit Union uses NADA.com for LTV.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan 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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank