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 121–135 of 2,932 nationwide · median 5.00% APR
- 3.99%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are for a limited time only, and certain restrictions apply.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Borrow up to 125% Loan to Value. 72 monthly payments of $15.64 when you borrow $1,000.00.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 17.25%
3.99% APR, up to 17.25%
Terms
for used
Auto loan score 94 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Loan must be secured by a 2022 or newer Auto and under 50,000 miles. To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
APR as low as 3.99% for 60 months. Minimum loan amount $5,000. Maximum rate 18% APR. Vehicles 2017 or newer.
Auto loan score 94 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
90% Financing. Rates subject to change at any time and without notice. Requires payroll deduction or automatic payment.
Auto loan score 94 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
For model years 2025 and newer. Rates based on creditworthiness.
Auto loan score 94 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%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 credit score, best rate available for 36 Months. Rates increase based on term, score, and LTV. Up to 125% of MSRP including tax, tags, warranties, and GAP Insurance. Assumes direct deposit re-payment (add 0.25% without direct deposit or auto transfer).
Auto loan score 94 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Model Year: 2021 & Newer. Sample payment of $19.09 per $1,000 financed.
Auto loan score 94 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New Vehicles. Requires enrollment in direct deposit. Based on approved credit; actual APR may be higher based on creditworthiness.
Auto loan score 94 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 14.39%
3.99% APR, up to 14.39%
Terms
Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Applies to 2020-2023 model vehicles. Terms up to 72 months. Subject to credit approval and model year.
Auto loan score 94 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
As low as 3.99%
Auto loan score 94 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 17.44%
3.99% APR, up to 17.44%
Auto loan score 94 · Carrot Score 94
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
2,932 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.60%
- 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
- Synchrony BankBank