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 1456–1470 of 2,911 nationwide · median 5.00% APR
- 5.00%APRas low as · up to 17.00%
5.00% APR, up to 17.00%
Terms
Up to 100% financing NADA value. Rate is based on creditworthiness criteria. Membership loyalty discounts and competitor rate matching may be available.
Auto loan score 82 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Advertised rate is 'A+' Tiered Rate under Reflective Loan Pricing Program. Payment example: 59 monthly payments of $18.88, 1 estimated final payment of $18.34 on $1,000 borrowed.
Auto loan score 82 · Carrot Score 78
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
APR is based on credit score.
Auto loan score 82 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Fixed APR of 5% for a 5-year loan term. Requires credit score of 700 or above and vehicle 2020 model year or newer. Refinance or purchase of eligible vehicle.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Refinance vehicle loan from another financial institution; requires at least 3 months at current employer; rate based on borrower credit score.
Auto loan score 82 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 81 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Lowest possible rate; rates vary based on individual creditworthiness. Minimum loan amount $3,000.
Auto loan score 81 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 79 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 8.50%
5.00% APR, up to 8.50%
Auto loan score 79 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 79 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Fixed APR as low as 5.00% for 1 to 60 months. Assumes excellent borrower credit history. Applicable to 2024-2027 model years with less than 10,000 miles. Optional 60-day deferred payment available. Payment example: $25,000 financed for 60 months at 5.00% fixed APR = 59 payments of $473.52 and a final payment of $473.27.
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
New Title Only
Auto loan score 79 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 11.00%
5.00% APR, up to 11.00%
Auto loan score 79 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 16.50%
5.00% APR, up to 16.50%
Auto loan score 79 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Platinum Star Membership (PSM) pricing for Electric Vehicle (EV) Loan.
Auto loan score 78 · Carrot Score 84
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
- Quorum Federal Credit UnionCredit union
- Popular DirectBank