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.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 931–945 of 2,919 nationwide · median 5.00% APR
- 4.75%APRas low as · up to 8.25%
4.75% APR, up to 8.25%
Terms
Credit tiers A+ through C (Credit scores 600+)
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Limited-time special. As low as 4.75% APR. Rate based on creditworthiness and term of loan.
Auto loan score 83 · Carrot Score 85
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
Model year 2026-2024; Max 100% (A/B Tier), Max 80% (C Tier), Max 75% (D Tier)
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
APR as low as rate based on creditworthiness, income verification, and collateral. Financing up to 100%.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit.
Auto loan score 82 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
APR as low as 4.75%. Rate based on creditworthiness and term of loan.
Auto loan score 82 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 17.99%with conditions
4.75% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2025–Newer; 48–84 months. Advertised rate includes 0.25% Auto Pay discount.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Hemingford Community Federal Credit UnionNew Vehicles (New and 1 & 2 Yrs Old) · 49–60 months
Credit union
4.75%APRas low as · up to 10.50%with conditions4.75% APR, up to 10.50%
This rate needs autopay.
Terms
Requires automatic repayment or 1% is added to rate.
Auto loan score 82 · Carrot Score 75
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
Term up to 5 years. Higher rates may apply depending on loan term, collateral, and member's credit performance.
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
APR as low as 4.75% for terms up to 96 months with maximum loan amount of $150,000.00.
Auto loan score 82 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
With 700 Credit Score or above. Term 5 Year.
Auto loan score 82 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 16.75%with conditions
4.75% APR, up to 16.75%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate ranges across credit score tiers (725 & Above at 4.75% to 549 & Below at 16.75%). Includes 0.25% Direct Deposit rate reduction. Rates shown for 2022 & newer models (add 1.00% for 2021 & older models).
Auto loan score 82 · Carrot Score 73
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
Rate is determined by personal credit history. Auto rate applies to 2023 & newer vehicles; maximum term of 63 months. Valid on loans new to SCU with payment automatically deducted from a qualified SCU account (reflects a 0.25% discount; cancellation may result in rate increase).
Auto loan score 82 · 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