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 751–765 of 2,919 nationwide · median 5.00% APR
- 4.74%APRas low as
Terms
On approved credit (oac). As low as rate. Stated for 3-5 year term.
Auto loan score 88 · Carrot Score 90
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
Vehicles 2016 or newer.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates as low as 4.74% APR. Rates may vary and are based on credit score and term of loan. Flexible terms up to 120 months.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Term of 73 to 84 months; Daily Periodic as low as . 012986 %
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Auto loan score 88 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 8.49%
4.74% APR, up to 8.49%
Terms
New and Used vehicles, Model Years 2025-2026. Term 49 to 71 months.
Auto loan score 88 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 13.99%with conditions
4.74% APR, up to 13.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% Checking Relationship Plan discount for automatic loan payments from Columbia CU checking. Available for new and used vehicles.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Model years 2026-2023 Auto & Recreational. Finance up to 100% of purchase price plus taxes and fees. Payment per $1,000: $15.99. Rate based on term, credit score, and credit tiers.
Auto loan score 88 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
2025 year models and newer. Minimum credit score 740. Payment example: 66 monthly payments of $17.25 per $1,000 borrowed. Not applicable on existing ETPCU loans and no other discounts apply.
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 11.74%
4.74% APR, up to 11.74%
Terms
Rates range across Beacon Score tiers: Tier A (700+) at 4.74% to Tier D (629 & Less) at 11.74%. Financing term greater than 60 months requires GAP Insurance ($410). Minimum loan amount greater than $15,000.
Auto loan score 88 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Homepage advertised 'As low as' auto loan rate.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
New or Used Automobiles Up to 15 Years Old.
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 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate shown for new or up to four years old auto or motorcycle, up to 60 months. Lowest current rate listed based on credit, collateral, and loan term.
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 89
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