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 676–690 of 2,919 nationwide · median 5.00% APR
- 4.60%APRas low as
Terms
90th Anniversary Auto Loan Special valid October 1 - November 30, 2026. Up to 94% financing. Add 1% to rate if loan-to-value is 95% - 104%. Maximum loan amount: $60,000.00. Rate match available with a floor of 1.99% APR with proof.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
Requires a minimum loan amount of $10,000.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
New vehicles and demos. A new vehicle is a current or prior year model with 5,000 or less miles. Sample monthly payment based on $30,000 at 4.69% APR for 48 months is $686.79.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
Rate from 4.60% APR*.
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR as low as 4.60% for New Automobile. Rate includes up to 0.50% in discounts (0.10% autopay, 0.15% direct deposit, 0.25% Auto Advisors). Fixed rate.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.62%APRas low as
Terms
Rates based on Credit Score and term. Exact rate quoted at time of approval.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.62%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
NEW MODELS – Never Titled. APR as low as; rate as low as 4.50%. Approximate payment based on $25,000 loan amount and includes doc fee. Subject to credit score, collateral, lending policy, and maximum relationship discount pricing.
Auto loan score 82 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.63%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% automatic payment discount. Loan amount $15,000.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as · up to 13.64%with conditions
4.64% APR, up to 13.64%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Est. Payment Per $1,000: $18.71 - $23.08. Rate includes 0.50% direct deposit discount and 0.25% Rewards+ Loyalty discount.
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
Rate based on creditworthiness and term of loan. For new or pre-owned cars, trucks, snowmobiles, ATVs, or RVs, and refinancing.
Auto loan score 89 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
New and Pre-Owned vehicles. Rate as low as 4.64% APR.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2024 or Newer; Relationship Rate (requires 3 qualifying services)
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
Rate quoted as low as; based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
New vehicles. Rate discounts available for down payment, service contracts, direct deposit, or refinancing.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.64% APR for 60 months. Rates subject to change. Not everyone will qualify for the lowest rate. Reward-based lending applies. To receive this rate automatic payments must be set up. Any model year for Auto, RV, or Boat Loans with automatic payment set up.
Auto loan score 86 · Carrot Score 89
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?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank