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 1201–1215 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as
Terms
Vehicle model years 2025-2027. Rates effective October 2, 2026 and 60-month financing. Subject to credit approval. Other rates and terms available.
Auto loan score 83 · Carrot Score 85
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
Rate is as low as 4.99% APR for terms up to 84 months (7 years). Applies to new vehicles, pre-owned/used vehicles, and refinanced vehicle loans from other institutions.
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 6.99%
4.99% APR, up to 6.99%
Terms
Credit score 735+ base rate 4.99% (PMT/$1K $16.10); +1% APR for credit score 636-734 (5.99%, PMT/$1K $16.57); +2% APR for credit score 635 or less (6.99%, PMT/$1K $17.05); +1% APR for collateral less than $10,000
Auto loan score 83 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 60 months. Some restrictions apply. All new auto loans not to exceed MSRP and all used auto loans not to exceed NADA retail.
Auto loan score 83 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle year: 2017 - Newer; Fixed APR; Rate based on creditworthiness and term of loan
Auto loan score 83 · Carrot Score 87
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
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
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 20.24%
4.99% APR, up to 20.24%
Terms
Vehicle model years 2021-2026; Term up to 84 months
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 2022-2026
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 5 years old; up to 60 months
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Base rate for qualified borrowers.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Subject to credit approval; rate and payment determined by APR and term.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Starting as low as 4.99% APR for new vehicles
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as based on creditworthiness, qualifications, and collateral conditions.
Auto loan score 83 · Carrot Score 82
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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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank