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 106–120 of 2,932 nationwide · median 5.00% APR
- 2.99%APRas low asunusually low · being checked
Terms
Rates as low as 2.99% APR offered September through November. Apply now through 11/25/26.
Auto loan score 94
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
Rates as low as 2.99% APR for financing or refinancing a vehicle. Loan decisions are based on applicant creditworthiness.
Auto loan score 94 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
NEW AUTO 2026 and newer
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
2024 & 2025 & 2026 with 20,000 miles or less; 90% Financing. Best-rate tier shown.
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
New Vehicle (Cost over $15,000). Must add 1% to vehicles >100k miles. Must use J.D. Power retail on new 2019 models.
Auto loan score 87 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
Up to 100% financing on new vehicle loans upon approval. Flexible terms available.
Auto loan score 86 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.00%APRas low asunusually low · being checked
Auto loan score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.15%APRas low asunusually low · being checked
Terms
Special promotion: No payments for 90 days (interest accrues during the 90-day period). Up to 6 years (72 months). For new, used, or refinanced vehicles.
Auto loan score 94 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.25%APRas low asunusually low · being checked
Terms
Credit score: Tier A (700 and Up). Maximum loan amount: $60,000 and Up.
Auto loan score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.25%APRas low aswith conditionsunusually low · being checked
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR as low as 3.250% with discounts applied. Based on creditworthiness.
Auto loan score 96 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.25%APRas low asunusually low · being checked
Terms
Rates as low as 3.25% APR. Terms up to 84 months. Rate based on creditworthiness and term of loan. Pre-approved new or used Keys Federal Credit Union Auto Loan.
Auto loan score 94 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 3.30%APRas low asunusually low · being checked
Terms
Auto Year Models New-2023. Credit score, vehicle age, mileage, and loan term will determine final rate. APR on new loans less than $5,000 will be 1% higher.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
- 3.99%APRas low as
Terms
Model year 2021 & Newer. Fixed rate.
Auto loan score 94 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rate is as low as stated. Rates and terms are determined by member's overall credit history.
Auto loan score 94 · 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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Synchrony BankBank