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 1141–1155 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as · up to 12.50%
4.99% APR, up to 12.50%
Terms
Rates based on credit score.
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 / starting at rate. Applies to new and used vehicles. APR may vary based on creditworthiness, vehicle type, and loan term. Offer does not apply to loans currently financed at GCU. Zero down, no payments for 30 days.
Auto loan score 83 · Carrot Score 82
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
Model Year: 2023 and newer. APR and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account.
Auto loan score 83 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2026 - 2023. Minimum loan amount $8,000. Payment per $1,000 is $18.87. Rates based on 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
Rates as low as. Monthly Payment per $1,000 Borrowed is $18.87.
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2025 - 2026. 60 month term or less.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Grand Altitude offers one low rate for Autos, RVs and Motorcycles. Rates as low as 4.99% depending on Credit Score and Terms. Up to 125% financing on new or used vehicles.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Car Rates as low as 4.99%. Terms up to 72 months.
Auto loan score 83 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Subject to credit approval; payment per $1,000 borrowed is $18.87. Payment example: A $20,000 loan at 4.99% APR with a term of 5-years would result in 60 monthly payments of $377.33.
Auto loan score 83 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Auto & Motorcycle (2027 - 2022). 49-60 Months.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year: 2026 & 2025
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New, Used, or Program Vehicles; Model years: 2026, 2025, 2024
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 17.49%
4.99% APR, up to 17.49%
Terms
New & Used / Refinance (from other lender). Rate determined by credit qualifications. Up to 60 months.
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