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 1276–1290 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as · up to 17.65%
4.99% APR, up to 17.65%
Auto loan score 80 · Carrot Score 68
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
$10,000 minimum loan amount for 60 months. Lowest rate quoted with direct deposit and automatic payment from Alta Vista Credit Union Account. Based on approved credit.
Auto loan score 80 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Years 2024 and Newer. Annual Percentage Rate - As Low As. Rate determined by applicant credit, payment history, and collateral.
Auto loan score 80 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.50%
4.99% APR, up to 16.50%
Terms
Model Year: 2026 and 2027
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Monthly payment of $18.87 per $1,000. Rates determined by risk-based pricing.
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Daily Periodic Rate is .0137. Loan rates subject to qualification / Restrictions may apply / Please verify with personnel.
Auto loan score 80 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99%. Terms up to 72 months.
Auto loan score 80 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
For 2024 and newer autos and motorcycles with less than 45,000 miles. Example: 60 monthly payments of $377.33 for $20,000 borrowed at 4.99% APR.
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2021 and newer. Rate as low as.
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate varies based on credit score. Up to 100% dealer invoice financing. Subject to change without notice.
Auto loan score 80 · Carrot Score 64
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
100% Financing; rates quoted are for individuals with excellent and substantial credit; APR is 0.25 percentage points higher without automatic payment.
Auto loan score 80 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
The rate shown is the lowest available base rate; additional discounts may be available based on relationships with Koin Credit Union. Rate may be higher depending on credit score.
Auto loan score 80 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 12.00%
4.99% APR, up to 12.00%
Terms
Rates based on qualified credit and term of the loan.
Auto loan score 80 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.00%
4.99% APR, up to 16.00%
Terms
Fixed APR. As low as 4.99%.
Auto loan score 80 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2026 - 2025. Discount available for larger down payments.
Auto loan score 80 · Carrot Score 76
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