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 961–975 of 2,919 nationwide · median 5.00% APR
- 4.75%APRas low as
Terms
APR as low as; actual APR determined at disbursement based on credit score, collateral, and loan terms.
Rate checked · Auto loans rates on its site
Rates and branches - 4.76%APRas low as
Terms
Loan amount $3,500 minimum. Approx. term 60 months.
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
New car financing up to 120% of sale price. New autos are based on the current model year and previous calendar year with less than or equal to 30,000 miles. Maximum mileage is 100,000. Rates are based on individual credit history, vehicle model year, term of the loan, and account relationship with Radiant Credit Union.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
As low as 4.79%. Deferring payment 90 days increases the amount of interest paid on the loan; not all borrowers qualify for 90 days until first payment.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay.
Auto loan score 87 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Rate as low as 4.79% APR for 2020 & newer vehicles. Rate based on creditworthiness and term of loan.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Model year 2022 or Newer
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Limit: $10,000 or Over. Published rate includes a 0.50% APR relationship pricing discount. Rates tailored to credit score; best rate for Tier A (710+). Applicable to new and used vehicles (2006 or newer).
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
71 Months repayment term. Includes all applicable discounts. Rate current as of 07/01/2026. Rate subject to change based on market conditions and borrower eligibility.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026-2027. Assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
Auto loan score 82 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as · up to 19.29%
4.79% APR, up to 19.29%
Terms
Lowest rate is for direct loans and do not apply to applications originated through the Credit Union Direct (CUDL) platform.
Auto loan score 81 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes Loyalty Plus & Digital Services / Online Application Discount
Auto loan score 81 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Payment per $1,000 borrowed is $17.26 based on maximum term in range. Advertised rates are for individuals with credit scores 740 or better who also qualify for applicable discounts.
Auto loan score 79 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Stated APR includes a .50% Full Direct Deposit discount. Actual rate based on creditworthiness.
Auto loan score 77 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Vehicle year 2024 & Newer. Eligible for Take-Back. Stated APR does not include $35 processing fee. Lowest APR reflects best credit qualifications and discounts. Interest rate as low as 4.74%.
Auto loan score 82 · Carrot Score 81
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