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 1006–1020 of 2,919 nationwide · median 5.00% APR
- 4.87%APRas low as · up to 16.75%
4.87% APR, up to 16.75%
Terms
For model years 2024 and newer. APR varies based on applicant's credit qualifications.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Monthly payment per $1,000 borrowed is $17.31.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Rate based on credit worthiness and term of loan. Rates are subject to change at any time. Term up to 84 months.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Rates based on A+ credit rating, subject to credit approval. LTV 130% or lower of the JD Power Retail Value.
Auto loan score 86 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates and terms vary depending on creditworthiness, vehicle age, loan amount, and term. Subject to enrollment in an approved automatic loan payment program. Down payments may be required. Limited-time offer valid 7/17-7/24/26.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include a 0.50% rate discount for automatic payments out of a PALCO FCU deposit account. Maximum mileage: 75,000 for gas engines and 100,000 for diesel engines.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
2024-New vehicles.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Rates shown are generally the lowest currently available based on creditworthiness.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as · up to 7.89%
4.89% APR, up to 7.89%
Terms
Tier 1 (710+) to Tier 4 (620-659)
Auto loan score 85 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as; includes 0.50% discount for direct deposit.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Credit Score: 720+; vehicle_condition: new
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
As low as APR for terms up to 66 months. Fixed APR on New Autos. 66 monthly payments of $17.35 per $1,000 borrowed at 4.89%. Up to 100% financing and 90 days no payments for qualified borrowers (interest accrues from date of contract).
Auto loan score 83 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - Earthmover Credit UnionNew Vehicles- 2026 & 2025 model years less than 10000 miles Includes auto, truck, recreation vehicles, motorcycles (less than 1,000 miles) · 49–60 months
Credit union
4.89%APRas low as · up to 14.29%4.89% APR, up to 14.29%
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - First California Federal Credit UnionNew Auto Loans - 2023 and Newer Model Years · up to 60 months
Credit union
4.89%APRas low asAuto loan score 82 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as · up to 5.39%
4.89% APR, up to 5.39%
Terms
Rate is 5.39% APR or 4.89% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC).
Auto loan score 81 · Carrot Score 75
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