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 1336–1350 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as
Terms
Rates as low as based on creditworthiness.
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
Includes 0.25% discount for automatic payment and 0.50% discount for qualifying Reward Rate Relationship. Rates for vehicles 7 years and older are 3.00% higher.
Auto loan score 79 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 79 · Carrot Score 70
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
Year 2024 and newer. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $18.87 per $1,000 borrowed.
Auto loan score 79 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Up to 115% financing. Payment per $1,000 is $18.87. Listed APR assumes excellent credit rating.
Auto loan score 79 · Carrot Score 70
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 to 2022. Up to 63 Months. As low as rate; includes 0.25% discount for automatic electronic loan payment or 20% down payment (discounts cannot be combined). Actual rate based on credit history and vehicle mileage.
Auto loan score 79 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates starting as low as 4.99% APR. Financing available for up to 84 months. Requires current, previous, or forthcoming year models with 7,500 miles or less and never titled.
Auto loan score 79 · Carrot Score 87
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
Includes 0.25% discount with automatic payment from North Star Community Credit Union account. As low as rate.
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 15.24%with conditions
4.99% APR, up to 15.24%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for new, used, or refinanced car or truck loans with terms up to 84 months. APR reflects discounts up to 0.50% (0.25% discount with automatic payment from Numerica checking account and/or 0.25% discount with a Numerica Visa credit card or another Numerica loan). As low as 0% down payment on approved credit.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Starting at 4.99% APR for 60 Months term on 2024 – 2026 Model Yrs. Rates vary by creditworthiness, loan term, and security. A 1/4% discount for payroll direct deposit and automatic repayment may be available.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Ontario Public Employees FCUSpecial Loan Rates, New Autos (Credit Score 780 Or Higher) · up to 60 months
Credit union
4.99%APRas low asTerms
Credit Score of 780 Or Higher; New Vehicles, 100% Financing for borrowers with a FICO score of 780 or higher; Maximum Term 5 Years; No Additional Discounts
Auto loan score 79 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as APR; rates determined by individual credit rating. Maximum financing term is 84 months.
Auto loan score 79 · Carrot Score 62
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
Lowest rate available; requires direct deposit with Parda Federal Credit Union. Rate and term may vary based on credit score, year of collateral and loan-to-value.
Auto loan score 79 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 7.49%
4.99% APR, up to 7.49%
Terms
Amount financed 125.00%. Rate based on evaluation of credit history. Max. finance amt. $150,000.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as APR assumes excellent creditworthiness. Overall product APR ranges from 4.500% to 15.490%. Pre-Approval effective for 30 days once the loan is approved. No other loan discounts apply. Other rates and terms available.
Auto loan score 79 · Carrot Score 85
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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