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 841–855 of 2,919 nationwide · median 5.00% APR
- 4.74%APRas low as
Terms
Rate is 'as low as'. Terms up to 120 months.
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Advertised as 'as low as' rate.
Auto loan score 81 · Carrot Score 76
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
As low as APR for highly qualified applicants. Includes 0.25% discount for automatic-debit of loan payment from NIHFCU savings or checking account.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Puget Sound Cooperative Credit UnionNew Electric, Plug-in Hybrid, or Hybrid Vehicles (Model Year 2025 or newer) · up to 60 months
Credit union
4.74%APRas low as · up to 13.24%with conditions4.74% APR, up to 13.24%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Assumes automatic payment. Without automatic payment, APR is 0.25% higher. Wave Club members eligible for an additional 0.25% discount.
Auto loan score 81 · Carrot Score 80
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 Years 2026-2025. Advertised rate is lowest offered / as low as and includes a 0.25% rate discount for automatic payments for the life of the loan. APR is based on creditworthiness, term, vehicle model year, and mileage. Maximum APR 18%. Flexible terms up to 84 months.
Auto loan score 81 · Carrot Score 85
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 reflects 0.25% discount for relationship pricing. Payment per $1,000 is $17.96. As low as rate subject to credit approval.
Auto loan score 81 · Carrot Score 89
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
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only.
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 18.00%with conditions
4.74% APR, up to 18.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates reflect 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. Lowest rate offered may require 10% down payment.
Auto loan score 80 · Carrot Score 75
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
As low as rate. Rate shown reflects a 0.25% discount for automatic loan repayment.
Auto loan score 80 · Carrot Score 83
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
With Autopay from a qualified Southland checking account (0.25% deduction). Calculated at a $10,000 loan amount.
Auto loan score 80 · Carrot Score 85
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
Reduced-rate refinance special: 0.50% rate discount applies to auto loans refinanced from another lender (external refinance). Stated rate is lowest available on new or used vehicle loans, including rate discount. Not valid on purchase loans. BHFCU employees excluded. Offer valid through December 31, 2026.
Auto loan score 79 · Carrot Score 88
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
Rates shown are APR accurate as of 10/07/2026 and subject to change without notice. Rates advertised with a .75% reduction for the Direct Deposit+ checking account tier (example: 5.49% APR less .75% = 4.74%). Up to a .75% discount applied based on creditworthiness and checking account tier. New and Used auto rates are the same for vehicles up to 3 model years old. Collateral age and loan term may impact APR.
Auto loan score 74 · Carrot Score 91
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
Vehicle year: 2025 - 2024. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing.
Auto loan score 73 · 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: 2026/2025/2024/2023. Includes 1/4% rate discount for selecting an automated loan repayment option.
Auto loan score 63 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 91 · Carrot Score 85
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