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 871–885 of 2,919 nationwide · median 5.00% APR
- 4.75%APRas low as
Terms
Lowest available APR based on creditworthiness and term of loan.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Monthly payment $18.76 per $1,000. Interest rate as low as 4.75%.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 6.25%
4.75% APR, up to 6.25%
Terms
Applies to new and used autos under 10 years old. Terms 36 to 84 months. New vehicles: prior, current or upcoming model year with 10,000 miles or less; finance up to 100% MSRP plus related expenses. Used vehicles: finance up to 100% NADA retail price plus expenses.
Auto loan score 87 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates begin at 4.75%. Credit restrictions may apply. Call the loan officer for more details and current rates.
Auto loan score 87 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Limited time loan special for new vehicle purchases or refinancing.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
As low as rate. Actual rate and term will reflect individual circumstances, loan term, year of collateral, and credit history. Subject to credit check and approval.
Auto loan score 87 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
As low as 4.75% APR for new and used auto loans.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Under $15,000. Rate reduction of 0.25% allowed with qualifying services/accounts. Payment example: $29.86-$31.57.
Auto loan score 87 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates starting at 4.75% & up APR. Rates are subject to change at any time and are not guaranteed.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 16.50%
4.75% APR, up to 16.50%
Terms
Tier Levels A+ to E (Credit score 720+ to 540-599). Best APR requires Tier A+ (credit score 720+). Minimum loan advance $500. Max term up to 60 months applies to model years 2018 and newer.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
100% Financing. Base rate shown (Credit Grade A: 680-719). Rates vary by Experian credit score grade: A+ (-0.50%), B (+3.00%), C (+7.00%), D (+10.00%). Daily periodic rate .0144%.
Auto loan score 87 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Loan special until 12/31/2026. Starting APR based on credit score. Maximum Loan to Value of 115% NADA Book Value.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate as low as 4.75% APR. New and used vehicle terms up to 84 months.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Model Year 2025-2026; Financing up to 100%
Auto loan score 87 · 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