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 1321–1335 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as · up to 15.99%with conditions
4.99% APR, up to 15.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for automatic payment from Eagle Checking. Financing up to 125% LTV. No application fees or pre-payment penalties.
Auto loan score 79 · Carrot Score 80
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 2026-2021; with 1.00% Loyalty Discount (requires direct deposit of payroll and auto pay). Rates as low as stated, subject to creditworthiness. Direct Deposit/Auto Pay Cancellation Fee of $125.00 applies if requirements are not maintained.
Auto loan score 79 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 11.25%
4.99% APR, up to 11.25%
Terms
Tier 1 (700+): 4.99% APR; Tier 2 (699-660): 5.99% APR; Tier 3 (659-620): 7.99% APR; Tier 4 (619-590): 10.25% APR; Tier 5 (589 & <): 11.25% APR
Auto loan score 79 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Lowest available APR based on credit score, term, and membership status. New car purchases only; vehicle model year 2019 or newer. Subject to credit approval.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as rate. Other rates and terms apply.
Auto loan score 79 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.99%
4.99% APR, up to 18.99%
Terms
Base rates; risk-based pricing where credit score determines rate.
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model years 2021–2026. Rate is 'as low as' based on credit approval.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates shown are lowest available for 60 month terms. Lower rates for shorter terms available but creditworthiness ultimately determines rate offer. Rates subject to change without notice. Up to 100% financing.
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 a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR as low as 4.990% for A credit applicants financing less than 80% LTV, including maximum 0.35% relationship discount. Monthly payment per $1,000 borrowed is $18.87.
Auto loan score 79 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
as low as 4.99%
Auto loan score 79 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Terms up to 72 months. Rate is as low as. Credit approval and membership eligibility required. Final rate based on credit score.
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
Assumes a credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Heritage Family Credit UnionNew Auto Loan Rate (Model Year 2025 and Newer) · up to 60 months
Credit union
4.99%APRas low asAuto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Titled Vehicles - 2024 & Newer. 72-month term is only available on model year 2020 or newer. Monthly payment of $16.10 per $1,000 borrowed.
Auto loan score 79 · Carrot Score 86
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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Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
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