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 91–105 of 2,932 nationwide · median 5.00% APR
- 3.95%APRas low as
Terms
Promotional rate on new and used vehicles. Promotion expires October 30, 2026. Minimum auto loan amount is $10,000. Subject to credit approval. Election of no payment for up to 60 days available. Existing Nova CU auto loans excluded. Must be member in good standing.
Auto loan score 96 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low as
Terms
Passenger Vehicles. Based on individual credit history. New Money Only. $25 Membership Required.
Auto loan score 96 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low as
Terms
100% Financing
Auto loan score 94 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Starting at / as low as 3.95% APR. Maximum 84 months. Advertised rate includes .25% discount for a loan-to-value of 90% or less. Rates based on creditworthiness and loan term. Approved rates are fixed at consummation.
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low as · up to 15.49%with conditions
3.95% APR, up to 15.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APRs of 3.95% require auto-pay and a 72-month term or less on vehicles 5 years old or newer with less than 60,000 miles. Maximum term of 96 months available. Enjoy no payments for up to 90 days (not available for internal refinances).
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.98%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Year Models - 2025 & Newer. $35,000 Minimum. Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Auto loan score 93 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.98%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Direct Deposit & Autopay. 2020 & Newer.
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle 2023 & newer. Rate includes 0.75% discount for automatic loan payment from a Magnifi account.
Auto loan score 88 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 1.99%APRas low aswith conditionsunusually low · being checked
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2019 and newer. Term over 3 years, up to 6 years. Reflects 0.50% APR discount for direct deposit payment.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 2.49%APRas low asunusually low · being checked
Terms
Payment example: For a $20,000.00 loan for a term of 84 months with a 2.49% APR, the monthly payment will be $259.69. $25.00 Share Savings deposit required. All loans subject to approval.
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 2.65%APRas low as · up to 16.65%with conditionsunusually low · being checked
2.65% APR, up to 16.65%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Tiered fixed rate. APR is based on credit score tier, loan amount, and term length. Assumes autopay and eStatements discounts.
Auto loan score 97 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 2.74%APRas low asunusually low · being checked
Terms
New Never Titled (2021-2022) schedule.
Auto loan score 94 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 2.74%APRas low aswith conditionsunusually low · being checked
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to new/used model years 2026–2027. Rate reflects direct deposit and autopay. Fall Auto Loan Sale promotional rate valid Sept. 17–Oct. 31, 2026; loans must be booked by Nov. 7, 2026.
Auto loan score 94 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 2.75%APRas low asunusually low · being checked
Terms
Available for $35,000+ loans on current model year; fixed rate
Auto loan score 94
Rate checked · Auto loans rates on its site
Rates and branches - 2.75%APRas low as · up to 11.75%unusually low · being checked
2.75% APR, up to 11.75%
Terms
NEW vehicle; OCTOBER 6 - 30 promotional period; Rate and Term based on credit. Approval based on credit worthiness. No refinancing of existing MOPAC loans.
Auto loan score 92 · Carrot Score 71
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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