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 796–810 of 2,919 nationwide · median 5.00% APR
- 4.74%APRas low as
Terms
Rate as low as 4.74% APR. Based on creditworthiness criteria. Vehicle age will determine the maximum loan term permitted by our policies. Monthly payment example: For a loan with a 4.74% APR and a 60-month term, the monthly payment will be $18.64 per $1,000 borrowed.
Auto loan score 88 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates as low as 4.74% APR; terms from 48-72 months depending on year of vehicle; use promo code LOW24.
Auto loan score 88 · Carrot 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
Term 49-60 months. Rate includes 0.25% AutoPay discount.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 12.24%
4.74% APR, up to 12.24%
Terms
Rates accurate as of October 22, 2026 and are subject to change. Annual percentage rates listed are best rates; rate may be higher depending on credit history, underwriting criteria, loan amount, and loan to value. Loan terms, rates, and payments listed are examples to illustrate possible credit transactions. Example payment based on $20,000 for 75 months ($308.64 - $382.82).
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 15.24%with conditions
4.74% APR, up to 15.24%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2025 and newer; rate represents credit score of at least 780, minimum $25,000, and automatic payments from a Park View Checking Account
Auto loan score 86 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Estimated monthly payment of $18.75 per $1,000.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Term shows maximum number of months for loan. All rates featured are listed 'as low as' and are subject to credit approval and credit score.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Fixed rate for 60 month term. Additional Rate Discounts: -0.40%.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
New vehicles only. Terms and conditions will vary based on the amount borrowed, creditworthiness, year, and type of vehicle. Sign up for automatic payments and take as much as 0.25% off your loan rate.
Auto loan score 86 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Model Year 2025-2026
Auto loan score 85 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
For current year models. Base rate as low as 4.74%. Risk-based adjustments (-1.00% to +9.75%) and rebates (0.25% to 0.50%) apply.
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.97%
4.74% APR, up to 17.97%
Terms
Rate based on creditworthiness and term of loan. Up to 0.25% discount for Fully Electric Vehicle.
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 17.49%
4.74% APR, up to 17.49%
Terms
Rates vary based on evaluation of applicant's credit and loan term. Offers no payment for up to 90 days.
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Term 49 to 60 months. APR based on credit worthiness, loan type, loan to value and term of loan. Vehicle retail value must be $5,000 or greater.
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 15.49%
4.74% APR, up to 15.49%
Auto loan score 85 · Carrot Score 72
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