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 646–660 of 2,919 nationwide · median 5.00% APR
- 4.53%APRas low as
Terms
Rate and APR as low as stated based on creditworthiness and term. Minimum loan amount $7,500. Includes $25 document fee in payment calculation.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.54%APRas low as
Terms
Rate as low as stated based on creditworthiness and term.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.54%APRas low as · up to 14.06%
4.54% APR, up to 14.06%
Terms
Model year 2025 - Newer. VIP Rates: 4.49% - 13.99%. VIP APR: 4.54% - 14.06%. Dealer APR: 6.55% - 17.36%.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown are as low as and reflect all discounts.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low as
Terms
New vehicle. APR as low as. Rate as low as 4.50%.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low as
Terms
As low as rate based on credit score. 0.25% interest discount for debt protection or warranty.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low as
Terms
Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.55% APR on new and used vehicles. Reflects 0.25% discount for electronic repayment and direct deposit. Terms up to 84 months on loans of $30,000 or more (up to 72 months on loans up to $29,999). On approved credit.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low as
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR requires auto payment. 60-day first payment deferral. Does not apply to existing Members 1st of NJ FCU loan refinancing. Rates effective April 1, 2026.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR as low as stated. APR includes Local Heroes Program Discount (0.50% discount). Individual rates determined by credit score, credit history, promotional discounts and loan term.
Auto loan score 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.57%APRas low as
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as
Terms
Lowest standard rate based on credit score and creditworthiness.
Auto loan score 89 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to $100,000
Auto loan score 89 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires a minimum loan amount of $15,000. As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan.
Auto loan score 89 · Carrot Score 77
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