Best Auto Loan Rates (National) - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Current highly competitive national auto loan options include: SUNY Fredonia Federal Credit UnionSUNY Fredonia Federal Credit Union280 CENTRAL AVE, FREDONIA, NY, 14063 1127A+5.0 ★Texas Ratio: 0.82%'s New Vehicle Loans 2024 or Newer (A+, A Credit Scores) has an APR of 1.90%, Bakersfield City Employees Federal Credit UnionBakersfield City Employees Federal Credit Union2817 16th St, Bakersfield, CA, 93301 3210A+5.0 ★Texas Ratio: 0.81%'s New Vehicle Loan has an APR of 1.99%, Arkansas AM&N College Federal Credit UnionArkansas AM&N College Federal Credit Union2020 W Reeker Ave, Pine Bluff, AR, 71601A+5.0 ★Texas Ratio: 3.89%'s New Auto Loan has an APR of 1.99%, Boulevard Federal Credit UnionBoulevard Federal Credit Union2787 Niagara Falls Blvd, Amherst, NY, 14228A+5.0 ★Texas Ratio: 0.57%'s Auto Loan 24 Months (2024-2026) has an APR of 1.99%, and Boulevard Federal Credit UnionBoulevard Federal Credit Union2787 Niagara Falls Blvd, Amherst, NY, 14228A+5.0 ★Texas Ratio: 0.57%'s New and Used Auto Loan 24 Months has an APR of 1.99%.
Finding the lowest auto loan rate can save you thousands of dollars over the life of your loan. Whether you are buying a new vehicle from a dealership or financing a pre-owned car, comparing current loan options across top-rated local lenders and national banks is critical.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—ensuring you can confidently choose a stable, highly-rated institution for your next vehicle purchase.
Auto loan rates reflect recent market quotes and representative offers available to borrowers nationwide. Auto Loan Rates Last Updated and Verified: Mar 17, 2026
As Low As
As Low As; Based On Credit Score
90% of MSRP Rate depends on credit rating
As Low As
As Low As
As Low As; for 36 months or less
As Low As; for 36 months or less
As Low As; for 36 months or less
As Low As
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
20 - 21
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; up to 48 months
No additional details provided.
As Low As; Based On Credit Score
with $20,000 amount
As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
As Low As
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
up to 84 months
A++ 750+
No additional details provided.
No additional details provided.
As Low As; up to 72 months
No additional details provided.
As Low As
As Low As
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
Score A: 700 and Up (Max $50,000 and Up)
80% Retail Value
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
A+ 720-749
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
As Low As; 72 month term rates begin at 2.99% Financing available up to 100% of value
As Low As; 72 month term rates begin at 2.99%
No additional details provided.
No additional details provided.
Grade: A+ (800+)
Grade: A+ (800+)
As Low As
As Low As; Based On Credit Score
90% of MSRP Rate depends on credit rating
As Low As
As Low As; for 36 months or less
As Low As
As Low As; With Approved Credit
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
20 - 21
As Low As; With Approved Credit
No additional details provided.
As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
As Low As
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
A++ 750+
No additional details provided.
As Low As; up to 72 months
No additional details provided.
As Low As
As Low As
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
80% Retail Value
A+ 720-749
As low as *; 100% of invoice including taxes & licensing *new vehicles only; Actual rate depends on credit score and other services used at the Credit Union
As Low As; 72 month term rates begin at 2.99% Financing available up to 100% of value
No additional details provided.
Grade: A+ (800+)
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; 2025 & newer
UP TO 70% LTV
over $15,000; As Low As
No additional details provided.
Score A: 700 and Up (Max $60,000 and Up)
100% Retail Value
No additional details provided.
As Low As; Cost over $25,000
over $25,000; As Low As
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
As Low As
Score A: 700 and Up (Max $60,000 and Up)
As Low As
As Low As; for 36 months or less
As Low As; for 36 months or less
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; up to 48 months
No additional details provided.
As Low As; Based On Credit Score
No additional details provided.
No additional details provided.
Score A: 700 and Up (Max $50,000 and Up)
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; 72 month term rates begin at 2.99%
No additional details provided.
Grade: A+ (800+)
No additional details provided.
As Low As; 2020-2025
As Low As; for 36 months or less
As Low As; up to 60 months
No additional details provided.
No additional details provided.
As Low As
As Low As
As Low As
As Low As
As Low As
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
No additional details provided.
As Low As; up to 72 months
No additional details provided.
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
No additional details provided.
No additional details provided.
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As Low As
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As Low As
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As Low As
As Low As
As Low As
Frequently Asked Questions
Is it better to get an auto loan from a bank or credit union?
What is a good APR for a car loan?
Should I finance through the dealership?
Top National Auto Loan Rates
- SUNY Fredonia Federal Credit Union: 1.90% APR (New Vehicle Loans 2024 or Newer (A+, A Credit Scores))
- Bakersfield City Employees Federal Credit Union: 1.99% APR (New Vehicle Loan)
- Arkansas AM&N College Federal Credit Union: 1.99% APR (New Auto Loan)
- Boulevard Federal Credit Union: 1.99% APR (Auto Loan 24 Months (2024-2026))
- Boulevard Federal Credit Union: 1.99% APR (New and Used Auto Loan 24 Months)
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