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 1096–1110 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as
Terms
2025 & Newer Vehicles/Motorcycles
Auto loan score 83 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Auto (2025/2026)
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.50% relationship discount with qualifying $1,000/month direct deposit. APR based on $10,000 financed. Model years 2026 - 2021.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Lowest available APR based on excellent credit history.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2026 AND NEWER. LTV <= 100%. Well-qualified borrowers.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Credit Scores 780 & Higher.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 10.24%
4.99% APR, up to 10.24%
Terms
APR is 4.99% for 720+ FICO, 5.49% for 719–680, 7.25% for 679–650, and 10.24% for 649–640.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2025 & Newer. Rate as low as 4.99% APR.
Auto loan score 83 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Payment per $1,000 is $14.13 - $21.02.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
For model years 2025 and newer. Rates based on creditworthiness.
Auto loan score 83 · Carrot Score 94
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
Model years 2023-2027. Automatic loan payment discount included. Based on credit history.
Auto loan score 83 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model years 2023 - 2026. Lowest available rate based on membership eligibility and creditworthiness.
Auto loan score 83 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates are presented as low as and are subject to change. Requires application and approved credit. Auto rates and terms are subject to the amount of funds borrowed, year and value of vehicle, and length of loan.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
APR as low as stated rate for a 60-month term. Rate based on approved credit, creditworthiness, loan term, and collateral.
Auto loan score 83 · 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
2,911 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