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 886–900 of 2,919 nationwide · median 5.00% APR
- 4.75%APRas low as
Terms
Rate is advertised as low as 4.75% APR for new & used auto loans.
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Model year 2022 or newer with pre-approval. 'As Low As' rate based on Credit Union's Merit-Based Loan Program. Rate determined by credit qualifications, amount financed, collateral and loan terms.
Auto loan score 87 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Credit rating 750+ (A+)
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New Year, New Savings promotion; rates as low as 4.75%
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Preferred rate for those with higher scores. All loans subject to credit approval. Actual rate received is based on credit qualifications. New loan money only; current Plus Credit Union auto loans are not eligible for refinancing. Variable rate information: the annual percentage rate may vary each calendar quarter based on the Prime Rate published in The Wall Street Journal.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Credit tier A+. Rate is 'as low as'; credit worthiness applies.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New or used vehicles. Based on creditworthiness and auto draft from SVACU account.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 10.00%with conditions
4.75% APR, up to 10.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate requires credit score 700+, active checking/direct deposit, and payment deducted from Siouxland FCU account. Coupon book payment adds 0.25%.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 87 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - St. Vincent’s Medical Center Federal Credit UnionAuto – Model Year 2025 and newer · up to 60 months
Credit union
4.75%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.75% APR. The above rates include a 0.50% discount with a SVMCFCU Checking Account in good standing; actual rate determined by Credit Score.
Auto loan score 87 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 8.75%
4.75% APR, up to 8.75%
Terms
APR based on credit qualification. Fixed rate. Sample payment on an 84-month loan is $14.02 to $15.96 per $1,000 financed. Promotional rates do not apply to a Star One loan refinance or rate modification.
Auto loan score 87 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 11.25%
4.75% APR, up to 11.25%
Terms
Fixed Rate.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 87 · Carrot Score 77
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?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank