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 856–870 of 2,919 nationwide · median 5.00% APR
- 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed rate as low as 4.75% APR for terms up to 7 years (84 months). Maximum loan amount up to $75,000.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates as low as. Requires a minimum FICO 780 Credit Score. 72 month term at 4.75% APR is $16.00 per $1,000 borrowed.
Auto loan score 87 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate shown is as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Alloy Federal Credit UnionAll secured Loans (Autos,Boats, Motorcycles) · up to 60 months
Credit union
4.75%APRas low as · up to 7.49%4.75% APR, up to 7.49%
Terms
Credit score range: 730+ (Platinum) to 600-639 (C). Grades D and E are NA.
Auto loan score 87 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 10.25%
4.75% APR, up to 10.25%
Terms
Depends on credit score.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Ashland Community Federal Credit UnionACFCU 75th Anniversary Loan Promo · up to 75 months
Credit union
4.75%APRas low asTerms
Valid for 2021 and newer vehicles, ATVs, motorcycles, and refinances. Up to 75 months. In-house secured closed loans include a $25.00 donation to The Cat House Feline Sanctuary through 9-30-2026. Some restrictions may apply.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates are as low as 4.75% APR and depend on credit reporting scores and other variables. Not all members will receive the lowest rate.
Auto loan score 87 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 12.75%
4.75% APR, up to 12.75%
Terms
Year Models 2021 - 2026. Term 60 months. Credit grades A (4.75%) through D (12.75%).
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 18.25%with conditions
4.75% APR, up to 18.25%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 125% retail financing (includes Tax/License/GAP/MBI). Lowest APR stated includes a 0.50% rate discount for loan-to-value less than 80% or purchase of GAP at a loan term of 60 months or less. Promotional offer: no payments for 90 days. Rate discounts available. Maximum term not available on all loan amounts; lowest APR not available for the max term listed. Subject to credit approval.
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
As low as rate. Subject to credit approval. Some restrictions may apply.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New and Used. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Vehicle Year 2025 and newer. Lowest rate available; actual rate reflects individual circumstances.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Vehicle Age: 2022-2026
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate shown is 'as low as' and varies based on creditworthiness, loan-to-value ratio, term, collateral, and other underwriting factors.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New Vehicles. Secured loans over $20K may extend out one additional year.
Auto loan 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