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 706–720 of 2,919 nationwide · median 5.00% APR
- 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 & newer. Includes 0.25% discount for auto transfer of monthly payment and 0.25% discount for LTV under 80%.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rates as low as. Flexible terms available 24/7. Same low rate for new or used vehicles.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rate is APR as low as based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rate as low as. Current year with less than 10,000 miles.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Model years 2022-2026. Rate is APR as low as based on credit score.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Promotional Relationship Discount Rate (lowest available APR 4.69%). Must be an existing member for at least 30 days and apply for a new SAFE vehicle loan within 60 days of paying off an existing SAFE vehicle loan. Terms up to 84 months.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as APR. Listed APRs assume excellent credit, a 0.500% discount for an approved automated payment method, a 1.00% discount for LTV <= 115%, and a 1.5% discount for loan amount of $35,000 or more.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as · up to 15.50%
4.69% APR, up to 15.50%
Terms
Terms over 72 months for Vehicles valued over $40,000. Rate and term determined by credit-worthiness.
Auto loan score 89 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2021 & Newer.
Auto loan score 88 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With payroll deduction or automatic draft. Up to 100% of Purchase Price not to exceed 10% over MSRP. Subject to creditworthiness.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rates as low as. Rates and terms based on individual credit worthiness and other restrictions may apply. Maximum term allowed is 84 months.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2023 & Newer. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as · up to 11.94%with conditions
4.69% APR, up to 11.94%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for new and used vehicles up to 60 months. Rates include Lone Star Rewards Discounts.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
As low as rate. Rate based on creditworthiness and term of loan.
Auto loan score 85 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as · up to 17.99%with conditions
4.69% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New vehicles; includes 0.50% discount for automatic payment
Auto loan score 73 · Carrot Score 81
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