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 1126–1140 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as
Terms
Rate as low as 4.99% APR.
Auto loan score 83 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
60-month term; as low as APR.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate for auto loans. Term lengths ranging from 12 to 84 months.
Auto loan score 83 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 5.75%
4.99% APR, up to 5.75%
Terms
Vehicle Year 2020-2026; Credit Rating A+ (730+)
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As Low As rate based on creditworthiness.
Auto loan score 83 · Carrot Score 76
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
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
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 APR. Available on models 7 years or newer. Rate determined by credit history.
Auto loan score 83 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - First Financial Federal Credit UnionNew & Used Auto Loans - Model Year 2022 and Newer · up to 60 months
Credit union
4.99%APRas low asTerms
Model Year 2022 and Newer; Less than 75,000 miles. Rate as low as.
Auto loan score 83 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
For 2025 and newer models (previous model year and newer cars). Rate advertised as low as 4.99%.
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 13.35%
4.99% APR, up to 13.35%
Terms
Fixed rate loan with terms up to 60 months. Quoted rates do not include rate reduction for SmartWay vehicle designation. Rate discounts only offered on fixed rate loans. Vehicles over 10 model years old subject to additional 0.50% APR.
Auto loan score 83 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Advertised 'as low as' APR is determined by risk-based lending and credit scoring. Exact APR determined upon application and credit review. Rates and fees subject to change at any time.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Tier 1 credit rate. Estimated monthly payment is $16.11 per $1,000 borrowed for 72 months.
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 and Newer. 84k miles max. Approx payment $18.98 per $1,000.
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 are shown as low as. Credit Union Membership required with a $1.00 minimum deposit and $1.00 membership fee.
Auto loan score 83 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Loan terms and rates based upon applicant's credit history, score, loan term, collateral if applicable, verifiable income, and financing options. Rates subject to change at any time.
Auto loan score 83 · Carrot Score 86
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
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