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 781–795 of 2,919 nationwide · median 5.00% APR
- Marathon County Employees Credit Union2023 and Newer Secured Loans Vehicle and RV · up to 60 months
Credit union
4.74%APRas low asTerms
As low as rate based on creditworthiness and loan term; 0.25% discount for 5+ qualifying services; 0.25% discount for LTV <= 75%
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Minimum loan amount of $25,001 required. Rates as low as advertised; final rate determined by loan applicant's creditworthiness, qualifications, and collateral conditions. Payment per $1,000 is $14.01. Original loan termination date extended 90 days with interest accruing during the 90 days; offer not valid on existing Members First loans.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 16.75%
4.74% APR, up to 16.75%
Terms
Rates determined based on creditworthiness. Terms determined based on creditworthiness and loan amount. Monthly payment per $1000 borrowed - maximum term is $14.02 - $20.29.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate based on creditworthiness and term of loan. Financing up to 120% LTV.
Auto loan score 88 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Finance new or used cars, trucks, and vans. Up to 100% financing available. No application fees. Terms up to 84 months (up to 60 months for First Time Auto Buyer).
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Valid for model years 2027-2025. Rates are subject to change and based on loan term, model year, and credit history.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 8.99%
4.74% APR, up to 8.99%
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rate stated is best rate as of October 15th, 2026, for qualified borrowers. Other rates and terms may be available based on qualifications or collateral used. Minimum loan amounts required; subject to credit approval.
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates apply to 2018 or newer models if conditions are met (p9 states 2019 or newer models). Rates stated 'As low as' and based on creditworthiness.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 15.99%
4.74% APR, up to 15.99%
Terms
New & Used Auto. Level 1 used autos (2022-2025) financed at stated auto rate. Rate based on credit score, term, model year, amount financed, and relationship pricing. Max 18% APR.
Auto loan score 88 · Carrot Score 81
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%
Auto loan score 88 · Carrot Score 84
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
Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance.
Auto loan score 88 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as rate. Rate based on creditworthiness and term of loan; subject to change at any time. Terms up to 84 months with restrictions; 100% financing available for terms up to 72 months.
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.99%
4.74% APR, up to 17.99%
Terms
New and Used. Up to 108 months. APR based on credit history and loan term. Maximum Rate on any loan: 17.99% APR.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
As low as
Auto loan score 88 · Carrot Score 87
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