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 1396–1410 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
Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment.
Auto loan score 75 · Carrot Score 83
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
New/Used 2026 to 2022 Year Old Models. Daily periodic rate 0.013671%. Includes all loyal member loan rate discounts.
Auto loan score 75 · Carrot Score 81
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% rate reduction for automatic payment from a First Harvest Checking Account.
Auto loan score 75 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 17.49%with conditions
4.99% APR, up to 17.49%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes all available discounts. APR is 0.20% higher without eStatements. Payment example: $20,000 auto loan at 4.99% APR for 72 months results in 72 payments of $322.01.
Auto loan score 75 · Carrot Score 82
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
New and Used Vehicle — 2025 & Newer Model Years. Requires automatic payment.
Auto loan score 75 · Carrot Score 79
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
As low as, with automatic payment discount included. Term & Loan-to-Value limitations apply.
Auto loan score 75 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New Vehicles. Vehicle model years 2017–2026. Rate is advertised as as-low-as with footnote noting actual rate may be higher based on individual circumstances. Stated rate does not include discount.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99% APR. Includes 0.50% rate discount available on qualifying electric or hybrid vehicles (will not be below rate floor). Financing up to 84 months. Rates specific to ZIP 82001.
Auto loan score 73 · 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
(2025-2026 under 36,000 miles). Extended Terms Available. Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.
Auto loan score 73 · Carrot Score 83
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
Up to 65 Months. Rates are determined by personal credit history, loan term, Member Benefits Level, and payment method. Published rate includes a 0.50% discount given when you add and maintain direct deposit of at least $500 per calendar month (excluding HSA Checking Accounts) and pay your loan electronically (Social Security is exempt from minimum). Rate is subject to change after consummation. EMP is $17.59 per $1,000.
Auto loan score 73 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Educational Employees Credit UnionNew Auto Loan: 2023 and newer models · up to 72 months
Credit union
4.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
$15,000 minimum loan amount. Estimated monthly payment $16.10 per $1,000 borrowed. Includes .50% discount for automatic payment from EECU checking account.
Auto loan score 73 · Carrot Score 76
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
As low as APR for platinum credit and loan amount of $25,000; includes 0.25% Auto Pay discount with Ellafi FCU checking.
Auto loan score 73 · Carrot Score 77
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
Term up to 60 months. Rate includes direct deposit/autopay, TrueCar, vehicle LTV, and special EV/Hybrid discount.
Auto loan score 73 · Carrot Score 88
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 amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.00 per $1,000 borrowed.
Auto loan score 72 · Carrot Score 84
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
New Auto & Motorcycles (2027-2025). Minimum Loan Amount $15,000. Assume less than 90% LTV. Includes 0.25% discount for automatic payment from a TCAFCU account.
Auto loan score 72 · Carrot Score 82
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.
Nationwide
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Popular DirectBank
- Synchrony BankBank