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 61–75 of 2,932 nationwide · median 5.00% APR
- 3.75%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2023 or newer vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit.
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
NEW (2023-2026)
Auto loan score 93 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Term up to 72 months and 100% financing depend upon credit worthiness.
Auto loan score 91 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - CGR Credit UnionNew Automobile - Current Year (Less Than 15,000 miles) · up to 60 months
Credit union
3.75%APRas low as · up to 17.20%3.75% APR, up to 17.20%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes maximum 0.50% discount (0.25% for automatic payment transfer/ACH/payroll deduction and 0.25% for direct deposit). Rate is subject to terms up to 84 months.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate shown is as low as 3.75% APR for terms up to 72 months. Includes a 1.00% APR discount for members with active direct deposit (and rate page mentions 0.25% discount for 48-month loan term; p1 quotes 56 months at $19.50/month per $1,000). Rate depends on creditworthiness.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
Model years 2024 – newer. Rates as low as APR; your rate may be different based on creditworthiness. Rate shown is for purchase of 2024 or newer model vehicle.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Terms
New Auto ('26 or Newer). Up to 120% amount. Payment per $1,000 is $16.58- $29.40.
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.79%APRas low as · up to 15.54%
3.79% APR, up to 15.54%
Terms
Terms: Up to 36 months – 84 Months. Maximum amount: Up to 125% MSRP and NADA Retail.
Auto loan score 97 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.79%APRas low as
Auto loan score 97 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.79%APRas low as
Terms
For model years 2021 and newer. Rate quoted is the lowest available rate and will vary based on creditworthiness and term. No down payment required. Finance up to 110% of vehicle price.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Minimum monthly payment is $18.34 per $1,000 for a 60 month term. Loans are subject to credit approval. Membership required. Based on eligibility.
Auto loan score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
90th Anniversary Auto Loan Special. Rates as low as 3.84% APR, $90 Anniversary Gift, 90 Days to First Payment. Limited time through December 30, 2026.
Auto loan score 97 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rate is advertised as low as 3.84% APR.
Auto loan score 97 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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