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 1111–1125 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as · up to 16.09%
4.99% APR, up to 16.09%
Terms
Annual percentage rate determined by credit score using a tiered pricing program. APR example using $25,000 borrowed. Rates are subject to change without notice.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year up to 5 years
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate for 60 months. Best available rate; individual rate may be higher depending upon creditworthiness, vehicle age, mileage and title status. OAC.
Auto loan score 83 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 14.68%
4.99% APR, up to 14.68%
Terms
Model year 2025 or newer. Fixed rate. 100% financing APR. Minimum of $15,000 amount financed for 72 months; minimum of $30,000 financed for 84 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
Model year 2023 and Newer
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
Monthly payment, Fixed APR. Requires $25k MSRP.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2021-2026. Credit score 730+. Monthly payment per $1,000 borrowed: $16.10.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Category A (690+ credit score). Limited-time offer. No discounts apply. New and used vehicles.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle model years 2016-2026. No payment for 60 days.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Emporia State Federal Credit UnionConsumer Loans - Vehicles (Cars, Trucks, Motorcycles with perfected lien) · up to 60 months
Credit union
4.99%APRas low asTerms
2023 - 2027 Models. Payment/$1,000 is $19.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates are subject to change daily without notice. Financing up to 100% of purchase price available to qualified borrowers.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.99%
4.99% APR, up to 16.99%
Terms
$10,000 Minimum. Tier A+ (Equifax 750+): 4.99% APR; Tier A (Equifax 700-749): 5.99% APR; Tier B (Equifax 660-699): 7.49% APR; Tier C (Equifax 600-659): 10.99% APR; Tier D (Equifax 550-599): 14.49% APR; Tier E (Equifax 549 & Below): 16.99% APR
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Credit score 750+
Auto loan score 83 · Carrot Score 72
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
As low as 4.99% APR. Example: 5 year term (60 monthly payments), loan amount of $20,000.00 at 4.99% APR with monthly payments of $377.33. Applicant's interest rate determined by credit score, collateral, term of loan, and automatic deduction from an FCB account. Financing available for up to seven years for newer vehicles.
Auto loan score 83 · Carrot Score 89
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