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 1216–1230 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as
Terms
Model year 2019 & newer. Terms greater than 66 months require loan amount of $15,000+ and mileage under 75,000 miles.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 14.99%
4.99% APR, up to 14.99%
Terms
Model Year 2023 - current (all vehicle types).
Auto loan score 83 · Carrot Score 81
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. Minimum amount financed is $10,000. Promotion applies to applications received between 10/1/2026 through 11/30/2026 for vehicle loans not currently financed at SRP FCU.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate is based on credit history, age of collateral, and term of loan. Rate shown is offered to members with excellent credit; interest rate may increase based on current credit history.
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 starting at 4.99% APR. Rates and terms subject to change at any time without notice. Rate based on credit score and history.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% for 78 months. Refinance available with no payments in the summer.
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate based on 80% or better LTV, Titanium tier. APR may vary depending on loan details such as amount financed, term, credit history, and loan fees. Lower rate options may be available based on lower LTV, credit tier, or length of membership. Payment example: Estimated APR of 7.24% on $35,000 for 60 months = payments as low as $700.00/mo.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Lowest advertised rate of 4.99% APR is for 2023 or-newer vehicles, 60-month term, and borrowers with a FICO score of 725 or higher.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Ask your loan officer about rate specials and discounts
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Lowest rates based on \"A\" credit rating.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Special rates as low as 4.99% APR on electric vehicle loans for new and used electric vehicle purchases.
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
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Subject to credit approval. Rates based on credit score and loan term. Lowest rate requires best credit.
Auto loan score 83 · Carrot Score 83
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