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 1381–1395 of 2,911 nationwide · median 5.00% APR
- 4.99%APRas low as · up to 12.99%
4.99% APR, up to 12.99%
Auto loan score 77 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Starting at 4.99% APR for up to 60 months.
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Applies to new vehicles only.
Auto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Vehicle model year 2022 or newer.
Auto loan score 76 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates are quoted 'as low as' and subject to evaluation of your credit.
Auto loan score 76 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Starting at 4.99% Annual Percentage Rate.
Auto loan score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as APR for 0 - 60 months. Qualifying model years: 2020 or newer. APR is fixed.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New auto rates starting as low as 4.99% (APR=Annual Percentage Rate*) for 72 months. Subject to credit approval.
Auto loan score 76 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 7.99%
4.99% APR, up to 7.99%
Terms
Credit score 720+ for 4.99% APR; credit score 600 – 619 for 7.99% APR.
Auto loan score 76 · Carrot Score 73
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
Current Model Year (Max 5,000 Miles). Term 37-60 Months. Direct deposit rate discount applies.
Auto loan score 76 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
APR as low as. Finance up to 100% of the purchase price. Pre-approval available. Copy of purchase invoice and proof of insurance required.
Auto loan score 76 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates starting at 4.99%. Approx. Pmt. (Per $1,000.00): $18.87. Interest Rate, guarantor, collateral, and eligibility based on Credit Score and loan amount.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as Low as 4.99% APR*.
Auto loan score 76 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Lowest rate available to qualifying members in highest credit tier. New Automobiles only at 72 months term; loan must be $20,000.00 or more.
Auto loan score 76 · 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
Minimum loan of $5,000. Includes 0.25% Direct Deposit discount.
Auto loan score 75 · Carrot Score 96
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