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 1306–1320 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as
Terms
New vehicles, model years 2025-2027. Rate based on creditworthiness and term of loan.
Auto loan score 80 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate is as low as.
Auto loan score 80 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 1st Advantage Federal Credit UnionNew Auto Loans (Models 2024 and Newer) · up to 60 months
Credit union
4.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.25% discount with autopay set up & 0.25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered.
Auto loan score 79 · Carrot Score 83
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
Up to 7 years old, max 124K miles. 100% financing available. Rate based on credit grade A and includes 0.25% Auto-Pay discount from a 360FCU account (increases by 0.25% without Auto-Pay).
Auto loan score 79 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
5 years / 60 months term; New Auto (2021 and Newer).
Auto loan score 79 · Carrot Score 89
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 Years 2026-2019. Advertised rate reflects a 0.25% discount for automatic payment from an AOCU deposit account and requires a 730+ FICO score. Max term 60 months. Estimated monthly payment per $1,000 borrowed: $19.17.
Auto loan score 79 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.99%with conditions
4.99% APR, up to 16.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
48 to 60 Months term. Includes all available discounts including 0.25% discount for automatic payment from an Arrowhead account.
Auto loan score 79 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Burlington Northtown Community Credit UnionAuto Loans - New (2025 or Newer) · up to 60 months
Credit union
4.99%APRas low asTerms
Fixed APR. 2025 or newer model years.
Auto loan score 79 · Carrot Score 74
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
As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 17.49%with conditions
4.99% APR, up to 17.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed rates range from 4.99% APR to 17.49% APR. Includes 0.25% off for autopay from Canopy checking and 0.25% off for additional services.
Auto loan score 79 · 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
As low as rate based on 'A' tier credit borrower. Rate is quoted with AutoPay discount; loans without AutoPay are 0.50% higher. Actual APR may differ based on collateral, loan amount, term length, and borrower's credit profile. Example payment: $20,000 Auto Loan at 4.99% APR with a term of 5 years results in 60 monthly payments of $377.33.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 10.99%
4.99% APR, up to 10.99%
Terms
Best rate requires credit score of 700 and above; rates up to 10.99% for credit score 499 and below with Board Approval and Co Applicant.
Auto loan score 79 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Amount financed up to 135% MSRP. 'As low as' APR reflects a 0.25% discount for loans with a loan-to-value ratio of 80% or less.
Auto loan score 79 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% APR for terms up to 84 months. Individual APR is determined based on credit score.
Auto loan score 79 · Carrot Score 72
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
66 payments at $17.36 per $1,000 borrowed. Includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit).
Auto loan score 79 · Carrot Score 70
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