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 1366–1380 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New–2021 models. Term up to 66 Months. Payment per $1,000 is $17.36 based on 66 months. Includes 0.500% autopay discount from a Workers Checking Account.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle must have less than 20,000 miles.
Auto loan score 78 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
- 4.99%APRas low as
Terms
Model years 2022 & newer. 100% financing with qualified credit.
Auto loan score 78 · Carrot Score 75
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%
Auto loan score 78 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New up to 3 years; quoted based on “A” credit rating
Auto loan score 78 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New purchase
Auto loan score 78 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Credit score 715+. Lowest available APR.
Auto loan score 78 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2022 and newer. 84 Month (7 Year) financing available on loans $35,000.00 and above.
Auto loan score 77 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 19.49%
4.99% APR, up to 19.49%
Terms
Model Year (Years 2024 & Newer); APR will vary from 4.99% APR to 19.49% APR based on past credit history and year of vehicle
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Best available rate for 66 month term on model year 2026-2027 (New or Used).
Auto loan score 77 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Auto. Term 72 months or less. Rate subject to change; determined by credit evaluation.
Auto loan score 77 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 77 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Autos New/Used 2016 - Newer (or 2015 o más nuevos)
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2022 and newer; term 49 - 66 months; estimated monthly payment $17.37 per $1,000 at 66 months.
Auto loan score 77 · Carrot Score 87
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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Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank