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 736–750 of 2,919 nationwide · median 5.00% APR
- 4.70%APRas low as
Terms
New* & Used** (2025-2026). Financing up to 100%. New is considered to be within 1 year and under 10,000 miles; Used is considered to be between 1 & 7 years old and under 125,000 miles.
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year: 2024 & Newer. Stated base term is 36 months (36-84 months available). Repayment example: $25,000 at 4.70% APR for 36 months is $745.91/month; $25,000 at 4.87% APR for 60 months is $470.29/month.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
100% financing (includes taxes, tags & extended warranties); maximum term up to 60 months; maximum loan amount $100,000. Quoted rate is the best/lowest rate.
Auto loan score 86 · Carrot Score 85
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' and subject to change without notice. Rates quoted include auto transfer of payments, active checking account, 20% down payment and competitive rate adjustment. Rates you pay will be based on credit history, year of vehicle and mileage.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.71%APRas low as
Terms
Rate is 'as low as'. APR based on a sample loan of $20,000 with a $100 processing fee. Subject to credit approval.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.72%APRas low as
Terms
Rates are VCCU's lowest for the listed collateral and term. Actual rates may vary based on individual credit worthiness and year of vehicle being financed. Monthly payment per $1,000 borrowed is $18.74.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR based off a $25,000.00 loan with a $150.00 loan origination fee. Rate as low as.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Quick Rates advertised as low as 4.74% for New and Used Vehicles.
Auto loan score 88 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates as low as 4.74% APR for terms up to 63 months. Minimum loan amount $5,000. Based on creditworthiness, term, and LTV < 80% on 2024 model vehicle or newer.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates as low as 4.74% APR.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 18.00%
4.74% APR, up to 18.00%
Terms
Rate is risk-based on creditworthiness. Eligible for a 0.25% discount with automatic payment from an ABFCU account. Collateral equity discount up to 0.50% available.
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 15.30%
4.74% APR, up to 15.30%
Terms
Loan amount < $20,000. Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days).
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Auto loan score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% of Purchase Price. Purchase Price exceeding $15,000 for 60 months. Rate includes BCCU checking with direct deposit and auto payments via payroll.
Auto loan score 88 · Carrot Score 80
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