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 826–840 of 2,919 nationwide · median 5.00% APR
- 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2022 and Newer. Monthly payment based on $18.75 per $1,000. Stated rate includes rate discount for direct deposit to KCU checking with eStatements. Up to 110% of JD Power value.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Meridian Trust Federal Credit UnionNew and Used Auto Loans - Cars and Trucks · up to 96 months
Credit union
4.74%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicles 2025-2026. Assumes credit score 750+ and includes 0.25% automatic payment discount (4.99% without discount). Loan terms up to 96 months.
Auto loan score 83 · Carrot Score 79
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
Paper Grade A+ (720 and above) to D (475 - 599)
Auto loan score 83 · Carrot Score 72
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
Reflects a 0.25% discount for automatic payment or payroll deduction from a PriorityONE CU of Florida account; APR increases by 0.25% without automatic payment. Subject to credit union loan policies, term, and credit score.
Auto loan score 83 · 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
Model year 2023 and newer. Includes a 0.25% automatic payment discount. Payment per $1,000 is $18.98.
Auto loan score 83 · Carrot Score 82
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
For model years 2027-2025. Rate reflects a 0.25% discount for automatic payments from a Sikorsky Credit Union account. Estimated monthly payment is $18.75 per $1,000 borrowed.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Vehicle model year 2022 or newer.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - The Family Credit UnionNew & Used Vehicles, Trucks, Motorcycles 2023 – 2026 · up to 60 months
Credit union
4.74%APRas low asTerms
Up to 60 months. Includes a 10% down payment for fixed APR up to 60 months.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - TrailNorth Federal Credit UnionAuto Loan - New & Late Model Used 6 Years or Newer · up to 60 months
Credit union
4.74%APRas low asAuto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
New Models (2026-2022)
Auto loan score 83 · Carrot Score 78
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
Rate of 4.74% APR is the lowest available rate. Terms up to 72 months for qualified members. Subject to credit approval. Member Reward Discounts applied for qualifying services.
Auto loan score 83 · Carrot Score 81
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
Model year 2024 and Newer. Minimum loan amount is $10,000 for terms up to 72 months.
Auto loan score 83 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Rates as low as based on creditworthiness; terms up to 60 months.
Auto loan score 82
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
60 Month New Auto Loans. Model Year 2024 and Newer. New/Refinance. Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Michigan United Credit Union2016-2026 Model Years Automobile & Truck Loan · up to 60 months
Credit union
4.74%APRas low asTerms
Rates as low as are based on applicant's credit score and model year of vehicle.
Auto loan score 82 · 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?
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