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 721–735 of 2,919 nationwide · median 5.00% APR
- 4.70%APRas low as
Terms
Lowest Auto Rate APR. Rates may vary depending on each borrower's credit history, loan-to-value, collateral type, loan term, and the credit union's underwriting standards.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
For 2024, 2025, 2026 vehicles. Rate depends on final underwriting, creditworthiness, and collateral age and equity position. Payment per $1,000 borrowed is $17.94.
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Rates as low as; your rate may vary from the stated rate and will be determined by your credit history and repayment option. New & Used Vehicles, RVs, Watercraft & Misc. Collateral Items.
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Rate as low as 4.70% APR; rate based on creditworthiness and term of loan.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Model Year: New Collateral. On New Collateral Loans, depending on the Manufacturers Suggested Retail Price, you may be eligible for financing of up to 84 months.
Auto loan score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as · up to 18.00%
4.70% APR, up to 18.00%
Terms
Vehicle Loans 49 thru 66 months (or 66 months or less).
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Rate disclosed is quoted for A+ credit and will be available starting 1/28/2026. Additional loyalty discounts may apply to reduce these rates further. Call us for details at 716-681-1460. Some restrictions may apply.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Auto Year 2024-2027; Max length 60 Months (under $20,000), 84 Months* (over $20,000); Rate adjusts for longer term; Rate based on creditworthiness and term of loan
Auto loan score 88 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Auto model years 2018-2023. Max term 60 months for loan amounts under $20,000; max term 72 months for loan amounts over $20,000 (rate adjusts for longer term).
Auto loan score 88 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
2025-2026 Auto/Truck. Offered to members with good credit. Estimated monthly payment $18.74 per $1,000 borrowed.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Vehicle year 2025 & newer; purchased or refinanced from another lender; credit history determines rate and term
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
APR as low as. Up to 60 months. $40.00 application fee.
Auto loan score 87 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Model Year: New - 2024. Term: 60 months.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.70% include a 0.25% discount for automatic payments from an Andover State Bank checking account. Rate could increase if automatic payment is canceled at any time during the term of the loan. Offer valid through 09/30/2026.
Auto loan score 86 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2025 or Newer Auto/Truck Motorcycle Loans. Stated APR reflects 0.25% auto-pay discount from a Bank of Sun Prairie checking account; rate is based on credit score 720+. Monthly payment is $13.99 per $1,000 borrowed.
Auto loan score 86
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