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 1351–1365 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024 and Newer. Rates quoted with all available discounts, subject to change, based on credit history. 1.00% added when refinancing an existing Premier loan.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Applies to 2019 – 2026 New & Used Vehicles. Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Membership discounts or competitor rate match may apply.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Spencerport Federal Credit UnionNew & Used Auto – 2024 & Newer (includes motorcycles) · up to 60 months
Credit union
4.99%APRas low asTerms
Rates are subject to change and are dependent upon credit approval. Max $100k
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 79 · Carrot Score 76
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
Includes 0.5% APR Gold Star Member discount and assumes A+ credit. Up to 100% financing of retail value. Model year 2023 & newer.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as stated. Subject to credit approval and membership qualifications.
Auto loan score 79 · Carrot Score 75
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 deduction of payment from a Top Tier FCU deposit account. Up to 110% financing.
Auto loan score 79 · Carrot Score 78
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 2019-2025. Includes a .25% discount for maintaining a checking account with direct deposit and automatic loan payment.
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
APR as low as 4.99%. Rate includes 0.25% APR discount for eStatements and automatic payments, and 0.25% APR discount for using Auto Advisors service. Rate not to exceed 17.99%.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as *4.99%†. Special limitations apply on all terms and rates.
Auto loan score 79 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 13.24%
4.99% APR, up to 13.24%
Terms
Model years 2026-2024. Up to 115% NADA Retail Value. Add 0.50% if term is >72 months.
Auto loan score 79 · Carrot Score 78
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 2021-2026. Payment example $19 per $1,000. 'As low as' rate includes maximum aggregate discounts of 1.00% (0.25% discount for direct deposit/auto transfer, 0.25% for 10% down payment on vehicle purchase only, 0.25% for e-Statements with home-banking before closing, 0.25% with purchase of GAP, Warranty or Credit Life/Disability Insurance). Minimum loan requirement for the term. Rate and maximum term dependent on credit history and/or age of vehicle.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Terms up to 60 months.
Auto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay.
Terms
With AutoPay (automatic payments to a WFCU loan). Automatic payment discount available.
Auto loan score 79 · Carrot Score 81
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.
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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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