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 76–90 of 2,932 nationwide · median 5.00% APR
- 3.85%APRas low as
Terms
New vehicle loan.
Auto loan score 96 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.85%APRas low as
Terms
Special rate. Must add at least $5,000.00 to current loan to qualify for the special rate or new loan of $5,000.00 or more. Excluded from 0.25% rate reduction.
Auto loan score 87 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 3.89%APRas low as
Terms
As low as rate based on creditworthiness and term.
Auto loan score 96 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.89% APR. Lowest available rate reflects all available discounts. Actual rate dependent upon member eligibility, creditworthiness and other factors. Rates are subject to change without notice.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.89%APRas low as
Terms
Current year, <5,000 miles. Rates are based on credit history, terms of loan, payment type, and other potential conditions. 10 Days grace period for repayment.
Auto loan score 92 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 96 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low as
Auto loan score 94 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low as · up to 9.90%
3.90% APR, up to 9.90%
Auto loan score 92 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low as
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low as
Terms
Financing up to 84 months available for qualifying vehicles. Rate as low as 3.90% APR. Rates subject to change.
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low as
Terms
For a limited time only. Rate determined by past credit performance.
Auto loan score 87 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 3.90%APRas low as · up to 4.90%
3.90% APR, up to 4.90%
Terms
Credit score must be 750 and above for 3.9% APR.
Rate checked · Auto loans rates on its site
Rates and branches - 3.94%APRas low as
Terms
Offer valid 10/01/2026 - 12/31/2026. Promotion applies to new and used auto loans and auto loans refinanced by another lender only. Excludes existing SWACU loans. Used auto loans have an additional 0.25% APR. Rates vary by creditworthiness and loan term. Pmt. Ex: 36 monthly payments of $1,770 for a $60,000 loan at 3.94% APR.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low as
Terms
Model Year: 2023 and Newer
Auto loan score 96 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 5-year (60-month) term. Minimum 700 credit score and active direct deposit of at least $750/month into checking account required.
Auto loan score 96 · Carrot Score 89
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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