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 1081–1095 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as
Terms
As low as 4.99% APR. Approval based on credit worthiness. Membership eligibility required.
Auto loan score 83 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as 4.99% APR. Rates based on creditworthiness and age of collateral. Payment example: $16.10 per $1,000.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Applicable to New/Used Auto (Model Years 2024-2026). Rate posted is for a 740+ FICO Credit score. Payment example: $18.87 per $1,000 borrowed for 60 months.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% based on individual creditworthiness.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 100% loan-to-value. Rates reflect credit score of 700+ with automatic payment from checking. $5 Regular Savings required.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% APR for 5 years term.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New & Used purchase or refinance
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Promotional rate as low as 4.99% APR valid on auto, truck, motorcycle, RV and camper loans only. Vehicles must be 2019 model year or newer. Limited time offer. Requires automatic payment or payroll deduction payment. Not all members may qualify.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2020 & newer. Requires GoldStar Membership, otherwise rate is 0.25% APR higher. Stated as low as rate.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Lowest possible APR disclosed. Secured loan terms between 61 – 72 months require $10,000 minimum amount financed. A .25% discount off qualifying APR available with auto payment enrollment.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 13.50%
4.99% APR, up to 13.50%
Terms
Fixed APR. Monthly payment. Minimum $25k MSRP.
Auto loan score 83 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Limited time auto loan special: get up to 2% off qualifying loan rate with a floor rate of 4.99% APR. Available for new or used vehicles. Up to 90 days to defer first payment on recaptured autos.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year - 2026/2025/2024. Rate and payment amount may vary according to credit history and other factors.
Auto loan score 83 · Carrot Score 84
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
2,911 banks and credit unions · checked Oct 22–25
- 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
- Popular DirectBank
- Synchrony BankBank