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 1051–1065 of 2,919 nationwide · median 5.00% APR
- 4.94%APRas low as
Terms
Approximately 66 months term. As low as rates based on a credit score of 730+. Payment example: $18.86 per $1,000.00 financed at 4.94% APR for 66 months.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low as
Terms
Model year 2024 & Newer. 'Term' represents maximum number of months. APR as low as with qualifying credit.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low as
Terms
Rates as low as 4.94% APR. Terms up to 72 months. 90 days no payments (interest continues to accrue). Promotion expires May 31, 2026. Rate stays the same whether buying new or used vehicles.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low as · up to 17.28%with conditions
4.94% APR, up to 17.28%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Repayment terms 73-84 months. Model years 2025 – 2027. Rate includes 0.50% EV discount, 0.25% automatic payment reduction, and 0.25% Premier Member Merits discount.
Auto loan score 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low as
Terms
A+ tier base rate. Payment per $1,000 is $19.03.
Auto loan score 81 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised rate includes 0.25% discount for direct deposit and 0.25% with auto-pay.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Repayment example for 48 months on a vehicle priced at $40,000 with a Guaranteed Future Value of $23,684. Terms up to 72 months available.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
New car loans (2025-2027 models). 60 months term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Rates are based on creditworthiness and subject to credit approval. Must be 18 years or older. Approximate payment per $1,000 is $20.65 (includes optional Life Protection and Disability Protection).
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Rate as low as 4.95% APR for eligible borrowers with qualified collateral. Monthly payment of $18.85 per $1,000 borrowed.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
As low as rate for cars/trucks; add 1% for titled collateral (motorcycles, snowmobiles, ATVs, motor homes, campers, watercraft). Subject to credit approval and membership eligibility.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as · up to 16.99%
4.95% APR, up to 16.99%
Terms
Applies to new loans only with GCCFCU or refinances from another lender. Applies to new and used autos. Up to 100% of NADA average retail or 100% of selling price, whichever is less. Rates and terms based on prior credit performance, age of collateral, and may vary based on mileage, additional credit union services chosen, and/or percentage of down payment. Membership eligibility required.
Auto loan score 86 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Credit Grade A (720-799)
Auto loan score 86 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Rates as low as 4.95% APR. Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Maximum Amount 110.00%. Rate as low as stated.
Auto loan score 86 · Carrot Score 88
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