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 661–675 of 2,919 nationwide · median 5.00% APR
- 4.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% direct deposit/autopay discount.
Auto loan score 87 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as
Terms
New - No Miles. Add 0.25% for additional year on term (not to exceed 72 months). All rates subject to change based on credit, collateral value, and other qualifying factors.
Auto loan score 87 · Carrot Score 73
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
Rate includes both qualifying discounts. Rate is based on individual credit score and term.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as · up to 14.14%
4.59% APR, up to 14.14%
Terms
Lowest APR requires credit score 720+; highest APR for credit score <600. Payment sample: 60 Month Term per $1000 borrowed: $18.98 at 5.24%.
Auto loan score 86 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as
Terms
100% Financing up to 72 months
Auto loan score 83 · Carrot Score 65
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
Applies to vehicles 0-2 years old with fewer than 36,000 miles. Rate includes applicable discounts.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as
Terms
Up to 84 months. Qualifying conditions apply; actual rate may vary based on credit qualification, vehicle age, and amount financed.
Auto loan score 83 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as
Terms
Rates as low as 4.59% APR for 60 months. Great rates on new Cars, Trucks and SUV's
Auto loan score 82 · Carrot Score 82
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
'As Low As' rates include Riegel FCU Autopay discount, when applicable.
Auto loan score 82 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low as · up to 18.00%with conditions
4.59% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles. Includes a 0.75% discount for payment made by automatic transfer from a SchoolsFirst FCU account. Estimated payment per $100 borrowed: $1.87 - $2.54.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
APR as low as 4.60%.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - Cumberland County Federal Credit UnionNew & Used Autos ≤ 5 Years Old (Model Years: 2022 - 2026) · up to 60 months
Credit union
4.60%APRas low asTerms
Credit Rate: A+
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Auto loan score 89 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as · up to 15.90%
4.60% APR, up to 15.90%
Terms
Fixed APR. Rate based on credit score.
Auto loan score 89 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
No Payments for 90 Days. Extended terms up to 84 months.
Auto loan score 89 · Carrot Score 92
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