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 1441–1455 of 2,911 nationwide · median 5.00% APR
- 5.00%APRas low as · up to 18.00%with conditions
5.00% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate and terms received will be based on creditworthiness and other factors. Daily periodic rate 0.0123% - 0.0493%. Up to 100% financing available. 0.25% APR discount available with a new or existing Magnolia Federal Credit Union checking account in good standing. Rate floor is 2.99% APR.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Model years 2026-2019. Based on credit score 785 and higher.
Auto loan score 82 · Carrot Score 99
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
Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice.
Auto loan score 82 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 15.25%
5.00% APR, up to 15.25%
Terms
Rate varies by credit tier (5.00% for 680+ A+/A, 5.75% for 640-679 B, 8.75% for 600-639 C, 15.25% for 599 or less D/E). 60 month term available on 2018-2015 model years.
Auto loan score 82 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 12.00%
5.00% APR, up to 12.00%
Terms
Promotional rate October 1st thru October 31st with approved credit; term up to 72 months. APR ranges by credit tier (Tier A 5.00%, Tier B 6.00%, Tier C 9.50%, Tier D 12.00%). Rate matching offered.
Auto loan score 82 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing. Financing up to 120% of Sticker Price (MSRP).
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Partnership Financial Credit Union2026 – 2024 Model Year Vehicle Rates · up to 60 months
Credit union
5.00%APRas low as · up to 15.00%5.00% APR, up to 15.00%
Terms
Combined credit score tiers (725+ to 574 & Below).
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
5 Year Term. "A" Tier rate. Payment example based on $1000: 59 payments of $18.87, 1 of $18.79.
Auto loan score 82 · Carrot Score 84
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
Term up to 5 and 6 years
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
100% Financing. Rates reflect best rates and are subject to change without prior notice.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 6.00%
5.00% APR, up to 6.00%
Terms
Credit grades Platinum (720+) to E (< 619); Max LTV 60% to 100%; minimum APR requires Platinum/A credit (720+ or 719-680) and max 100% LTV. Example: 60 month term at 5.00% APR will have an estimated monthly payment of $18.92 per $1,000.
Auto loan score 82 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 15.50%
5.00% APR, up to 15.50%
Terms
80% financing. Rates vary by credit tier: Tier A: 5.00% APR, Tier B: 6.00% APR, Tier C: 12.00% APR, Tier D: 15.50% APR.
Auto loan score 82 · Carrot Score 82
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
Model year 2021 and Newer. With Direct Deposit.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Model year 2024 or newer.
Auto loan score 82 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
2023 and 2024 model years.
Auto loan score 82 · 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
- Quorum Federal Credit UnionCredit union
- Popular DirectBank