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 1021–1035 of 2,919 nationwide · median 5.00% APR
- 4.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New Auto rates as low as 4.89% APR. Flexible terms up to 96 months. Assumes excellent credit and includes all applicable discounts.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low as
Terms
Advertised rate for "AA" credit. Monthly payment $18.83 per $1,000 borrowed. Loans up to 100% of NADA value.
Auto loan score 79 · 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
2025 & Newer; includes automatic payment option
Auto loan score 77 · Carrot Score 67
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
With Direct Deposit. Standard Auto/Truck. Rate includes 0.50% direct deposit discount (minimum $500/month).
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.89% APR includes a 0.50% APR discount for members who maintain a qualifying checking account and receive recurring monthly direct deposits totaling at least $1,000 (or a 0.25% discount for LTV <=90%). Up to 60 months term.
Auto loan score 71 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Auto loan score 86 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Rates as low as 4.90% APR.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as · up to 18.00%
4.90% APR, up to 18.00%
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Rate starting at 4.90% APR. Requires Loan-to-Value (LTV) <= 80%; 1.5% added if LTV > 80%. Approved credit required.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Some borrowers may receive higher rates subject to credit worthiness. The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.
Auto loan score 86 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
New to 2019 vehicles. Term: Up to 60 months.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
APR as low as 4.90%. Up to 100% financing. Estimated monthly payment of $19.88 per $1,000. Based on loan amount of $15,000 including $60 processing fee. Current year vehicle with no more than 6,000 miles on the odometer.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Auto loan score 86 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as · up to 17.50%
4.90% APR, up to 17.50%
Terms
Payment Example: A 60 month new-used auto loan with a 5.50% fixed APR would have monthly payments of $19.11 per $1,000 borrowed.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
As low as 4.90% APR. Maximum amount 100% purchase price of vehicle; maximum term up to 7 years.
Auto loan score 86 · Carrot Score 94
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