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 946–960 of 2,919 nationwide · median 5.00% APR
- 4.75%APRas low as · up to 13.75%
4.75% APR, up to 13.75%
Terms
Special rate valid until November 30, 2026. Subject to credit approval and meeting criteria established by VAPRFCU. Terms of up to 84 months available if credit score is 760 or higher.
Auto loan score 82 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - Northern New Mexico School Employees Federal Credit UnionNew and Used Auto Under 10 Years · 49–60 months
Credit union
4.75%APRas low as · up to 18.00%4.75% APR, up to 18.00%
Terms
Credit score tiers: 740 and UP (4.75%), 700 - 739 (5.25%), 660 - 699 (6.25%), 620 - 659 (8.25%), 580 - 619 (14.5%), 540 - 579 (16%), 539 and less (18.00%).
Auto loan score 81 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates may be as low as 4.75%. All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. NADA Loan value preferred but some exceptions can be made with GAP insurance added as an alternative solution. Maximum term to be determined by the credit committee with attention to the age of the vehicle.
Auto loan score 81 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rate based on 725 credit score. 84 month term on new vehicles only based on credit score. 10% down payment required.
Auto loan score 80 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 13.75%
4.75% APR, up to 13.75%
Terms
Credit tier Level A through Level E; lowest APR requires Level A or B credit.
Auto loan score 80 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 80 · 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
Model Year: New, Unregistered
Auto loan score 79 · Carrot Score 88
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 reflects direct deposit and automatic payment discount; add 0.25% without direct deposit and automatic payment. Stated rate based on creditworthiness.
Auto loan score 79 · Carrot Score 69
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 shown are lowest available APRs based on creditworthiness and other underwriting criteria. Includes 0.50% APR discount for automatic payments established at loan origination. Est. payment $18.76 per $1,000.
Auto loan score 78 · 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 Year 2018 or Newer. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment.
Auto loan score 78 · Carrot Score 78
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
Model years 2024-2027. Terms to 84 months. Includes 0.25% autopay/batch transfer discount.
Auto loan score 77 · Carrot Score 80
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
Includes 0.25% discount for automatic payments and 0.25% for payment protection.
Auto loan score 77 · Carrot Score 81
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
As low as rate reflective of all eligible discounts, including 0.25% discount with automatic transfer from share draft/share account with ACH payroll deposit or payroll deduction. Up to 60 months.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 12.25%with conditions
4.75% APR, up to 12.25%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For terms 72 months or less. Rate range reflects credit scores from A+ (740+ at 4.75%) to D (630-649 at 12.25%). Includes 0.50% discount for Automatic Payments or Direct Deposit.
Auto loan score 70 · Carrot Score 69
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