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.
Choose a location to see banks and credit unions with a branch near you.
Top new-car loan rates
Showing 1291–1305 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as · up to 25.25%
4.99% APR, up to 25.25%
Terms
On approved credit (OAC)
Auto loan score 80 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
All rates are credit qualified and subject to change. Restrictions may apply.
Auto loan score 80 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - Northeast Community Credit UnionNew or Used Cars and Trucks (2023-2026) · up to 60 months
Credit union
4.99%APRas low asTerms
Rates starting at; rate may vary based on credit experience, price, term, underwriting criteria, and loyalty discounts.
Auto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate applies to New 2025-2026 Vehicles. Fixed rate. Individual rates vary and are dependent on individual credit history and other factors including LTV and term.
Auto loan score 80 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model years 2021 – 2026. Monthly payment example $377.33 based on a $20,000 loan and maximum loan term.
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 as low as 4.99% for terms up to 60 months.
Auto loan score 80 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as stated.
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New 2024-Newer vehicles.
Auto loan score 80 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle years 2025–2026. Monthly payment of $18.87 per $1,000 borrowed.
Auto loan score 80 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
NEW 2025–2026; up to 84 month terms
Auto loan score 80 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 100% financing (Current Year or Previous with Less Than 15k Miles)
Auto loan score 80 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates based on a credit score of 730 or higher. Lower rates may apply for terms less than 60 months. Certain terms and restrictions may apply. Rates subject to change without notice.
Auto loan score 80 · Carrot Score 66
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
Model Year New 2024-2025. 0 down payment. With auto pay from your UCCU saving or checking account.
Auto loan score 80 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Term 5 Years. Repayment example $18.88 per $1,000 borrowed.
Auto loan score 80 · Carrot Score 84
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?
Find your bank or credit union to see all its rates and how they compare near you.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank