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 1231–1245 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as · up to 5.99%with conditions
4.99% APR, up to 5.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: 2025 & Newer. Term 49-60 Months. Base APR is 5.99%, APR As Low As is 4.99% with applicable discounts. Per $1,000 borrowed: $30.42. Maximum LTV 125%.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR for terms up to 63 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
Available on qualifying new and used auto purchase loans. Actual APR depends on creditworthiness, vehicle information, loan amount, and other underwriting criteria. No prepayment penalties.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle model year 2024 & newer. As low as APR based on creditworthiness.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates and terms to fit all credit scores starting as low as 4.99% APR
Auto loan score 83 · Carrot Score 87
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
Best APR reflecting up to 1.50% Loyalty Rewards discount.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as 4.99%. Stated rates are for stated terms effective 10/1/2026, with automatic payment from a TCCU checking account. Repayment example for A+ Borrowers: 36 monthly payments of $29.86 per $1,000 borrowed. Rate and approval based on credit history and underwriting factors. Applies to new or used auto financing and refinancing. Flexible terms available up to 72 months. Borrow up to 100% MSRP.
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 18.00%with conditions
4.99% APR, up to 18.00%
This rate needs autopay.
Terms
Loan amounts per term: Up to 60 months is $5,000-$9,999.99; 61-72 months is $10,000-$14,999.99; 73-84 months is $15,000+. Rate Adjustments: Loan to Value below 80%: -0.5%, 81%-100%: Base rate, 101% & Above: +0.5%; No Automatic Payment: +0.25%; Mileage above 125,000 miles: +1%; Green Auto: -0.25%. Floor Rate is 2.49%. Value is based on sales price of KBB/MSRP for new, whichever is less. Offer valid through December 31, 2026.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR. Best rate; rate varies depending on credit score, model year, and term of loan. Applies to refinanced auto loans from another lender and new/used dealer purchases. Includes 60-day payment deferment based on eligibility.
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Advertised as low as 4.99% APR. Available for new, pre-owned, or refinancing from another lender. All loans subject to credit approval; rate depends on creditworthiness, vehicle, term, and other factors.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Payment per thousand: $18.87.
Auto loan score 83 · Carrot Score 80
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 subject to change at any time.
Auto loan score 83
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 years 2019-2026. Includes 0.25% loan discount with Elevated Checking Account. Payment is $18.87 per $1,000 borrowed.
Auto loan score 83 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2025-2026 (new/untitled)
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Unity Financial Credit UnionNew Autos: 2025 - 2026, Demos < 10,000 Miles · up to 60 months
Credit union
4.99%APRas low asTerms
Terms of Repayment Example: 60 monthly payments of $18.87 per $1,000 borrowed at 4.99% APR.
Auto loan score 83 · Carrot Score 79
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%
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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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