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 976–990 of 2,919 nationwide · median 5.00% APR
- 4.80%APRas low as
Terms
As Low As
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
Rates as low as 4.80% APR on new or used vehicles. Terms of up to 84 months and up to 125% financing for qualified members. Fixed and variable rates available for purchase or refinance. Tiered-pricing based on creditworthiness, loan term, collateral type/age, and credit history.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Auto loan score 87 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
125% financing of selling price including tax, title, warranty and conveyance fees.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
Rates as low as 4.80% APR for model years 2025-2027. Term choices of 36, 48, 60, 72, and 84 months. No money down required subject to credit approval and collateral value. Rate discount with uChoose Rewards points.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
Rates stated as low as, based on best credit score in rate tier. Monthly payment per $1000 borrowed: $18.78.
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
New 2025-2026. Maximum $45,000. Lease buyouts and refinances are not offered.
Auto loan score 81 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.81%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.24% (APR as low as 4.807%). Assumes 0.25% discount for active checking account. Rate based on creditworthiness. Minimum APR loan payment example: $10,000 for 36 months with $85 doc fee has 4.807% APR. Max term varies based on credit score and loan amount.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.82%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Stated as low as 4.75% interest rate, APR 4.82%. Lowest rate requires a direct deposit in place prior to loan disbursement. APR is based on financing $25,000 for 60 months with a $50 processing fee included.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as · up to 7.04%
4.84% APR, up to 7.04%
Terms
Model Year 2027 - 2025. Well-qualified applicants with credit score 640 or higher.
Auto loan score 87 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
APR as low as stated. Rates subject to change without notice.
Auto loan score 87 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For model year 2017 and newer. Sample monthly payment is $18.80 per $1,000 borrowed.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as · up to 17.84%
4.84% APR, up to 17.84%
Terms
Term available based on credit score.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
Actual rate will vary depending on applicant's credit ratings and length of loan term. Posted rates are for existing members of the Credit Union. Members in some relationship pricing groups qualify for a 0.25% APR discount.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
Vehicle Year: 2023-2026. Rate advertised as low as. Stated schedule-wide APRs range between 5.59% to 18.00% APR based on credit score, loan type and term.
Auto loan score 87 · 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?
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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank