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 1411–1425 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
Repayment term: $18.87 per thousand. Rates shown include a 1% discount for direct deposit. Actual rate may be higher based on credit history.
Auto loan score 65 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 10.00%
5.00% APR, up to 10.00%
Terms
Financing over $25,000. New = never titled AND less than 5,000 miles. Rates are based on credit history.
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 16.75%
5.00% APR, up to 16.75%
Terms
Rates are based upon the year of the vehicle and credit bureau score with TransUnion. Lowest rates reserved for well-qualified members. 72-month financing available on loans over $18,000; 84-month financing available at a higher rate on loans over $30,000 for qualified borrowers.
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Credit based; .25% discount on all loans if you opt for Autopay.
Auto loan score 82 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Rate based on creditworthiness.
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 13.50%
5.00% APR, up to 13.50%
Terms
New Vehicles 2026 (2025 less than 10k miles).
Auto loan score 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
APR based on credit and model year
Auto loan score 82 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Newer Vehicles (2023 - 2026). Rate determined by credit score, loan term, vehicle model year and mileage, and loan-to-value. Actual loan term available is determined based on model year and loan amount requirements.
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Vehicles (2026 to 2025).
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 18.00%
5.00% APR, up to 18.00%
Terms
Subject to credit approval.
Auto loan score 82 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 18.00%
5.00% APR, up to 18.00%
Terms
Minimum loan amount for term of 96 months is $25,000. Rate based on member's creditworthiness, term, and collateral value. Optional debt protection not included.
Auto loan score 82 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026 and Newer model years. 61-72 months. Minimum $15,000 to be financed for a 72-month term. Advertised APR includes 0.25% autopay draft discount and 0.25% discount for LTV < 80%.
Auto loan score 82 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Loan amounts of $14,999 or lower have a maximum term of 60 months. Loan of $15,000 or higher have a maximum term of 84 months. APR as low as 5.00%.
Auto loan score 82 · Carrot Score 79
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
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