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 901–915 of 2,919 nationwide · median 5.00% APR
- 4.75%APRas low as
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates as low as 4.75% APR. Rates subject to change.
Auto loan score 87 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 17.25%
4.75% APR, up to 17.25%
Terms
Interest rate is based on credit score factors and the term of the loan. Financing is based on the MSRP, NADA or purchase price, whichever is less. Up to 100% financing.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Model Years 2026 or newer. Rate starts at stated APR based on credit score. Loyalty discount of .25% off current rate with net pay direct deposit.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Model years 2026-2021. As low as 4.75% APR.
Auto loan score 87 · Carrot Score 74
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
Terms
As low as 4.75% APR. Auto Purchase or Refinance - Get 2% less than your current rate or our best qualified rate.
Auto loan score 87 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate is As low As 4.75%. Financing up to 100% of Retail Value.
Auto loan score 86 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 15.25%with conditions
4.75% APR, up to 15.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit score: A+ (750+) to E (549-).
Auto loan score 85 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Up to 100% financing. APR, amount financed and terms may vary depending on creditworthiness and vehicle model year. Coast360 membership required upon loan closing.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Promotional rate valid 10/1/26–12/31/26. Refinancing an existing auto loan with NCPD Federal Credit Union does not qualify for this promotional rate, the refinance must be a new loan to NCPD FCU.
Auto loan score 85 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Current & prior 2 model years. Member credit score determines actual rate; published rates are as low as.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New Auto Purchase or Refinance APR as low as. Rate based on creditworthiness. No payment due for first 90 days. California registered vehicles only.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
(A+) 725+ credit score rating. 2024, 2025, 2026 models (never titled). Rates subject to 0.25% discount for auto payment.
Auto loan score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 18.00%
4.75% APR, up to 18.00%
Terms
Current & Prior Year Vehicle. Rates depend on credit worthiness and down payment. Loans over $25,000 eligible for 72 months, loans over $30,000 eligible for 84 months.
Auto loan score 85 · 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