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 1471–1485 of 2,911 nationwide · median 5.00% APR
- 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Amount available up to 100% of MSRP, Tax, Title, Tags. Lowest available APR based on creditworthiness; reflects 0.25% discount with automated payment from active Hershey FCU Share Draft or Regular Share Account. Available on new loans only.
Auto loan score 78 · Carrot Score 79
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
Borrow up to $100,000; rates reflect maximum discounts available and are based on creditworthiness.
Auto loan score 78 · 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
Model years 2027 - 2026. Rate is As Low As, based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit).
Auto loan score 78 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
100% financing. Estimated payment: $18.88 per $1,000 borrowed.
Auto loan score 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 7.75%
5.00% APR, up to 7.75%
Terms
Rates are based on individual credit history and term.
Auto loan score 77 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Credit Score above 740; Fixed rate
Auto loan score 77 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Rate as low as. Term up to 84 months.
Auto loan score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Maximum Loan-to-Value 100%.
Auto loan score 77 · Carrot Score 71
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
Up to 60 Months term. Rate includes 1.00% rate reduction for Credit Disability and Credit Life Insurance purchase and qualifying electronic/payroll payment method.
Auto loan score 77 · Carrot Score 67
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
Up to 60 Months.
Auto loan score 77 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Credit rating A+. 'As low as' rate. Term listed as N/A in table; text notes terms up to seven years.
Auto loan score 77 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
New/Used (Current yr - 3 yrs old) 2026-2023
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Monthly payment of $18.87 per $1,000
Auto loan score 77 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 15.00%
5.00% APR, up to 15.00%
Terms
Loan Amount: Any, when approved
Auto loan score 77 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
up to 84 month term. Call for other rates & terms.
Auto loan score 77 · Carrot Score 88
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