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 991–1005 of 2,919 nationwide · median 5.00% APR
- 4.84%APRas low as
Terms
LTV <= 75%
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
Fixed APR as low as. Model Year 2025 and newer.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
Model years 2019-2026. Lowest available rate does not reflect all available discounts. Actual rate dependent on member eligibility and creditworthiness.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as · up to 17.59%with conditions
4.84% APR, up to 17.59%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate (4.84% APR) includes discounts: 0.25% for automatic debit payments from an account at any financial institution, 0.50% for EPA SmartWay Certified vehicles, and 0.25% for financing less than 80% loan-to-value. Loan terms of 72 or 84 months are available to qualified members based on creditworthiness and age/type of vehicle. Rate range 4.84% - 17.59% APR.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Monthly Payment per $1,000 is $18.81
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Model Year 2024 - 2026.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Check out our low rates for New Vehicles
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Model years 2026 - 2025; Payment per $1,000 is $18.81
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as · up to 17.95%
4.85% APR, up to 17.95%
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Fixed rate. As low as.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Rate is as low as. Rates are determined by credit worthiness of the member, loan amount, and loan term.
Auto loan score 82 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Auto loan score 81 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Auto loan score 81 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 4.87%APRas low as · up to 17.99%
4.87% APR, up to 17.99%
Terms
APR ranges between 4.87% to 17.99% based on credit. Loan amounts up to $20,000. Flexible terms up to 72 months. Applies to new or used vehicles (model years 2016-2025). Maximum LTV 90%.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.87%APRas low as
Terms
Available for well-qualified members. Your loan rate may vary, depending on your credit score, loan term, and loan type.
Auto loan score 83 · Carrot Score 87
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