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 631–645 of 2,919 nationwide · median 5.00% APR
- 4.50%APRas low as
Terms
Monthly payment of $18.65 per $1,000.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
APR as low as based on credit evaluation. Minimum loan amount $5,000. Maximum term up to 60 months (over $5,000).
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Finance up to 80% of MSRP according to Black Book
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Max term is 72 months. Other rates and terms available based on applicant's creditworthiness and is subject to approval. Other restrictions apply. Offer not available for commercial type vehicles or internal refinancing.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate is as low as 4.50% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates include a 0.25% discount available for automatic payment.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Minimum loan amount $10,000.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 18.00%
4.50% APR, up to 18.00%
Terms
New or Used Above 8O% Financing; rates vary by credit rating (A Plus to E)
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as APR for 2023 or newer vehicles. Actual APR based on creditworthiness.
Auto loan score 83 · Carrot Score 81
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
New and Used 2023-New. New Autos - 110% of dealer sticker. Rates are quoted 'as low as' and include a 1/2 discount for payroll deduction/automatic transfer.
Auto loan score 82 · Carrot Score 72
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.
Auto loan score 82 · 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
New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX.
Auto loan score 80 · Carrot Score 93
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 Year 2024 & Newer. As low as rate reflects up to 1.00% discount. Flexible terms up to 60 months available when financing up to $15,000.
Auto loan score 68 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate stated is 'as low as' and assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.52%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2025 & Newer model years. Reflects 0.75% direct deposit and automatic payment discount.
Auto loan score 89 · 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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank