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.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 691–705 of 2,919 nationwide · median 5.00% APR
- 4.64%APRas low as · up to 16.24%
4.64% APR, up to 16.24%
Terms
Within 3 most recent model years and less than 25,000 miles. Finance up to 135% of MSRP or NADA Retail.
Auto loan score 85 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
2025-2027
Auto loan score 83 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
With 0.50% rate discount special. Offer applies to new purchases or refinances to TCU; does not apply to loans currently financed by TCU.
Auto loan score 81 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as
Terms
Model Year: 2026-2024. Payment Example: $18.72 per $1,000 Borrowed.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as
Terms
Model year 2026. Rate is available as low as shown and may vary based on credit score/creditworthiness. Does not apply to refinancing of existing HHCU auto/truck loans. A $195 loan origination fee applies.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Ravalli County Federal Credit UnionNew & Used Autos (New Wheels & Community Meals) · up to 72 months
Credit union
4.65%APRas low asTerms
On approved credit (OAC). Requires donation of 6 boxes of cereal, a case of boxed food, or a case of canned food.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Best APR with member rewards discounts
Auto loan score 87 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as
Terms
Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer.
Auto loan score 85 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as · up to 11.15%
4.65% APR, up to 11.15%
Terms
Credit score tiers A+ to E; minimum APR requires tier A+
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Requires 710 or higher credit score and model year 2022 and newer. Rate reflects a 0.50% off regular rate of 4.99% for doing all banking with us. Based on financing $25,000 for 63 months. $99 processing fee included in APR calculation. Rates as low as 4.49% interest rate.
Auto loan score 79 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.68%APRas low as
Terms
Model years 2022 and newer. As low as rate for well-qualified borrowers. Estimated monthly payment is $17.21 per $1,000 borrowed for 66 months. Fixed rate type.
Auto loan score 89 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.68%APRas low as · up to 10.84%
4.68% APR, up to 10.84%
Terms
Rate based on creditworthiness and term of loan. Up to 72 month terms. Minimum credit score of 601. $20 application fee. No pre-payment penalties. Amount: up to $35,000. Financing up to 80% for purchases or 100% when refinancing.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Minimum loan amount $7,500. Approval and actual rate offered are based on overall creditworthiness factors and collateral. Mileage and model year restrictions may apply. Rate discounts of up to 1% APR may be available.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rate as low as 4.69% APR.
Auto loan score 89 · Carrot Score 95
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