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 1246–1260 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Full Active Membership (FAM) promotional rate. Limited exclusively to qualifying individuals affiliated with FIU, UM, and St. Thomas University (lowest potential rate is 4.99% APR for all other eligible borrowers). Requires accounts in good standing, full direct deposit of payroll, an active checking account at UCU, and automatic loan payments from that checking account. Model-year restrictions apply to 84-month terms on used vehicles with up to 75,000 miles.
Auto loan score 83 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
5 yrs (60 Month) Term. Rates disclosed are best rates on approved credit.
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
2022 and Newer Models (new or used). As low as rate quoted for qualified applicants with active UECU Checking Account with at least 1 transaction/month. Rate will vary based on credit, term, LTV, collateral.
Auto loan score 83 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 5.49%
4.99% APR, up to 5.49%
Terms
Promotional rate is 5.49% APR, as low as 4.99% APR with relationship discounts.
Auto loan score 83 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - Vantage Point Federal Credit UnionNew & Used Vehicle Rates ( 10 Years & Newer) · up to 84 months
Credit union
4.99%APRas low asTerms
As low as rate for new & used vehicles (10 years & newer). Based on approved credit; rate may vary based on credit score, credit term, and underwriting standards. Subject to change without prior notice.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year: 2025-2026
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 15.44%
4.99% APR, up to 15.44%
Auto loan score 83 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as 4.99% APR. Terms up to 84 months. Vehicles made in 2022 – 2023.
Auto loan score 82 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Estimated monthly payment of $19.75 per $1,000. Includes single life and VSI insurance.
Auto loan score 82 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - OnPoint Community Credit Union2023 & Newer Auto Loans (Cars, trucks & vans) · 36–60 months
Credit union
4.99%APRas low as · up to 9.44%4.99% APR, up to 9.44%
Auto loan score 82 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
60 months or less
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 100% of Kelley Blue Book value.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates presented as low as.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New/Used Auto (2024-NEWER) 61-72 months (up to 110%). Rate as low as stated based on year of vehicle, term, and credit score.
Auto loan score 81 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as
Auto loan score 81 · 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%
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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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