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 1036–1050 of 2,919 nationwide · median 5.00% APR
- 4.90%APRas low as
Terms
Standard rate for New/Used Auto & Motorcycle. Rates and terms subject to change at any time without notice.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Model years 2022-2026.
Auto loan score 83 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
100% Financing. No in-house refinancing. Applications subject to approval.
Auto loan score 83 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Up to 100% of MSRP/JD Power. As low as rates based on Transunion Vantage 3.0 Credit Score of 740 or Higher. Rates subject to change without notice.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Model years 2021-2026. Fixed APR as low as 4.90%. Max LTV up to 90% (up to 115% for Heroes Program). Minimum loan amount $3,500.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as · up to 14.01%
4.90% APR, up to 14.01%
Terms
Purchase of a new 2025 or 2026 Vehicle – 100% Financing.
Auto loan score 82 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Maximum term 60 months; NADA Retail Value must be $10,000.00 or greater to get maximum term
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Auto loan score 81 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate possible for qualified borrowers based on credit background. Includes 0.25% discount with automatic payments and e-statements enrollment. Terms up to 84 months available.
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Untitled
Auto loan score 80 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Based on FICO Score. Fixed APR.
Auto loan score 80 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Rates are set according to credit rating.
Auto loan score 79 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Maximum Financing: 80% of Purchase Price
Auto loan score 79 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as · up to 11.40%with conditions
4.90% APR, up to 11.40%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms 6 years. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account; without autopay, APR will be 0.25% higher. Final APR depends on creditworthiness. Must be a Hawaii resident.
Auto loan score 75 · Carrot Score 85
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?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank