New Carrollton, Maryland Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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New Carrollton, Maryland auto loan rates from lenders serving Maryland range from 2.49% to 5.24% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in New Carrollton, Maryland include WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.89% offering New or Used Vehicle Loans - New Model 2026 and Newer at 2.49%, First Peoples Community Federal Credit UnionFirst Peoples Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering 72-Month Auto Loan Promo at 2.99%, Ferko Maryland Federal Credit UnionFerko Maryland Federal Credit UnionA+5.0 ★Texas Ratio: 1.07% offering Auto Loan - 2027/2026 New Auto at 3.00%, POCU of MarylandPOCU of MarylandA+5.0 ★Texas Ratio: 5.56% offering New Car 24 Months Loan at 3.09%, Cedar Point Federal Credit UnionCedar Point Federal Credit UnionA+5.0 ★Texas Ratio: 2.72% offering New Auto Loan - 36 months at 3.49%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
New Carrollton borrowers have access to 40 lenders serving the Maryland area, with auto loan rates as low as 2.49% APR from WEPCO Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in New Carrollton, Maryland. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in New Carrollton, Maryland & Surrounding Area
New Carrollton Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
2024 & newer: with less than 45,000 miles and valued at $15,000 or more
As Low As; Used Model Years 2024-2026
Amount Down: 50% or more; Model Year: 2027/2026 New Auto
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
As low as; 2024 & newer
As Low As; APR as low as; Monthly Payment per $1000 not extracted; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
As Low As
As low as; 2024 & newer
As low as 3.75% with Relationship Rewards
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Rate applies to new vehicles.
As Low As
As Low As; Auto 0-48 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As low as
As low as
Model Year: 2025 - 2026
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; 49-60 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026
As Low As; Minimum Financing of $10,000 for 60 Months
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As low as; 2019-2023
As low as; 2024 & newer
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
Amount Down: 50% or more; Model Year: 2027/2026 Used Auto
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Example based on the maximum term listed in the range.
- Sep 27, 20264.44%▲ from 4.19%
- Sep 14, 20264.19%first recorded
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.45%▲ from 4.20%
- Sep 16, 20264.20%first recorded
As low as; 2019-2023
As Low As; *
As Low As
As Low As
As Low As
Model Year: 2025 - 2026
As Low As; **
As Low As; Rate applies to new vehicles.
As Low As
As low as
As Low As
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount
As Low As; Minimum Financing of $15,000 for 72 Months
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
Loan Amount: $5,000 min; APR* as low as**
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Example based on the maximum term listed in the range.
- Sep 27, 20264.54%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; Rates subject to change.
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.65%▲ from 4.40%
- Sep 16, 20264.40%first recorded
over $20,000; **
Model Year: 2025 - 2026
Minimum $25,000 loan amount
As Low As; **
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
With Direct Payment Discount
As Low As
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.74%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount
As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As low as; 2024 & newer
As low as
Loan Amount: $15,000 min; APR* as low as**
As Low As; Cars, Trucks, Motorcycles
Amount Down: 50% or more; Model Year: 2025/2024 Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
Example based on the maximum term listed in the range.
- Sep 27, 20264.79%▲ from 4.54%
- Sep 14, 20264.54%first recorded
As Low As
As Low As; Rates subject to change.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Loan Term
Loan Amount: $5,000-$125,000
- Oct 2, 20264.94%▲ from 4.69%
- Sep 15, 20264.69%first recorded
As Low As; Automated Payments APR; Loan Amount: $20,001; Estimated Monthly Payment per $1,000: $7.88
over $20,000
As Low As
As Low As
Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K
Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Rate applies to new vehicles.
As Low As
With Direct Payment Discount
With Direct Payment Discount
As low as
As low as
As Low As
As Low As
As Low As; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score)
As Low As; 61-72 months (up to 110%)
As Low As; up to 110%
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As; Automated Payments APR; Loan Amount: Up to $14,999; Estimated Monthly Payment per $1,000: $23.03
Term: Any Term Up to 7 Years; No Model Year Restrictions
- Oct 4, 20264.99%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Term: Any Term Up to 7 Years; No Model Year Restrictions
- Oct 4, 20264.99%▲ from 3.99%
- Sep 17, 20263.99%first recorded
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2025/2024 Auto
Amount Down: 25%-49% or more; Model Year: 2025/2024 Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
As low as
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Example based on the maximum term listed in the range.
- Sep 27, 20265.19%▲ from 4.94%
- Sep 14, 20264.94%first recorded
As low as
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As low as
over $20,000; **
As Low As; *
As Low As; *
As Low As
As Low As
As Low As
New Carrollton New Auto Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
Amount Down: 50% or more; Model Year: 2027/2026 New Auto
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
As low as; 2024 & newer
As Low As; APR as low as; Monthly Payment per $1000 not extracted; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As low as; 2024 & newer
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Rate applies to new vehicles.
As Low As; Auto 0-48 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; Cars, Trucks, Motorcycles
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As low as
As low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; 49-60 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As low as; 2024 & newer
As Low As; Cars, Trucks, Motorcycles
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Example based on the maximum term listed in the range.
- Sep 27, 20264.44%▲ from 4.19%
- Sep 14, 20264.19%first recorded
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.45%▲ from 4.20%
- Sep 16, 20264.20%first recorded
As Low As; *
As Low As
As Low As; **
As Low As; Rate applies to new vehicles.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
Loan Amount: $5,000 min; APR* as low as**
As Low As; Cars, Trucks, Motorcycles
Example based on the maximum term listed in the range.
- Sep 27, 20264.54%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; Rates subject to change.
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.65%▲ from 4.40%
- Sep 16, 20264.40%first recorded
Minimum $25,000 loan amount
As Low As; **
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
With Direct Payment Discount
As Low As
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.74%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As low as; 2024 & newer
Loan Amount: $15,000 min; APR* as low as**
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Example based on the maximum term listed in the range.
- Sep 27, 20264.79%▲ from 4.54%
- Sep 14, 20264.54%first recorded
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K
As Low As; Rate applies to new vehicles.
With Direct Payment Discount
As Low As; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score)
As Low As; 61-72 months (up to 110%)
Term: Any Term Up to 7 Years; No Model Year Restrictions
- Oct 4, 20264.99%▲ from 3.99%
- Sep 17, 20263.99%first recorded
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As low as
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Example based on the maximum term listed in the range.
- Sep 27, 20265.19%▲ from 4.94%
- Sep 14, 20264.94%first recorded
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
As Low As; *
As Low As; *
As Low As
As Low As
New Carrollton Used Auto Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
As Low As; Used Model Years 2024-2026
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
As Low As
As Low As; Cars, Trucks, Motorcycles
As Low As
As Low As; Auto 0-48 months (up to 110%)
As Low As; Cars, Trucks, Motorcycles
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; 49-60 months (up to 110%)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026
As Low As; Minimum Financing of $10,000 for 60 Months
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As Low As; Cars, Trucks, Motorcycles
Amount Down: 50% or more; Model Year: 2027/2026 Used Auto
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.45%▲ from 4.20%
- Sep 16, 20264.20%first recorded
As Low As
As Low As
As Low As
As low as
As Low As
As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount
As Low As; Minimum Financing of $15,000 for 72 Months
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.65%▲ from 4.40%
- Sep 16, 20264.40%first recorded
over $20,000; **
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.74%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount
As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As low as
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
As Low As
As Low As; Rates subject to change.
over $20,000
As Low As
As Low As
Rate subject to change. Rates are determined by an evaluation of the applicant's credit. Your actual rate may vary. Minimum amount to finance is $30K
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
With Direct Payment Discount
As low as
As low as
As Low As
As Low As
As Low As; 61-72 months (up to 110%)
As Low As; up to 110%
As Low As; Minimum Financing of $25,000 for 84 Months
Term: Any Term Up to 7 Years; No Model Year Restrictions
- Oct 4, 20264.99%▲ from 3.99%
- Sep 17, 20263.99%first recorded
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As low as
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As low as
over $20,000; **
As Low As
New Carrollton, MD Auto Loan Rate Trends
Compare local New Carrollton, MD auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Maryland new auto rates fell 0.069 points over the past 7 days to 5.226% APR.
Maryland used auto rates fell 0.031 points over the past 7 days to 5.685% APR.
New Carrollton, MD Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Maryland figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Maryland APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.23% APR MD average | Used Auto @ 5.69% APR MD average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.62/mo | $287.80/mo | $3.18/mo |
| $25,000 | $474.37/mo | $479.67/mo | $5.30/mo |
| $35,000 | $664.12/mo | $671.54/mo | $7.42/mo |
| $45,000 | $853.87/mo | $863.41/mo | $9.54/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in New Carrollton, Maryland
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving New Carrollton, Maryland locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Maryland. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a New Carrollton, Maryland high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: New Carrollton, Maryland CD rates lock in a guaranteed return until you’re ready to buy
New Carrollton, Maryland Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 16.8% of the median individual income in New Carrollton, Maryland. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in New Carrollton, Maryland, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in New Carrollton, Maryland. We’ve prefilled the APR with today’s MD new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Carrollton, Maryland auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for New Carrollton, Maryland directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in New Carrollton, Maryland. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MD.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in New Carrollton, Maryland
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in New Carrollton, Maryland
How does my credit score affect my car loan rate in Maryland?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in New Carrollton, Maryland?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in New Carrollton, Maryland?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in New Carrollton, Maryland?
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans - New Model 2026 and Newer)
- First Peoples Community Federal Credit Union: 2.99% (72-Month Auto Loan Promo)
- Ferko Maryland Federal Credit Union: 3.00% (Auto Loan - 2027/2026 New Auto)
- POCU of Maryland: 3.09% (New Car 24 Months Loan)
- Cedar Point Federal Credit Union: 3.49% (New Auto Loan - 36 months)
New Carrollton, Maryland Rates & Resources
