Side-by-side new car, used car, refinance, and lease buyout rates from banks, credit unions, and online lenders. Independent. Free. No application required to compare.
| Lender | Term | APR (from) | |
|---|---|---|---|
|
NF
Navy Federal
|
36 mo | 4.19% | Visit |
|
CO
Capital One
|
60 mo | 5.39% | Visit |
|
PF
PenFed
|
60 mo | 5.49% | Visit |
|
US
USAA
|
60 mo | 5.49% | Visit |
|
BA
Bank of America
|
60 mo | 5.49% | Visit |
Auto loan rates differ by category - refi typically beats new-car APR, and credit unions often beat banks. Start where you fit.
Rates come from each lender's own published rate page. We collect some automatically and check the rest by hand. You can compare them without talking to a salesperson or filling out an application.
We pull the latest published APR ranges from the lenders we track and refresh our tables regularly.
Compare advertised rates side-by-side without a credit pull or signup.
We're not a lender. We compare them. Editorial picks aren't influenced by partner relationships.
See how rates have moved over time so you know whether today is a good day to lock in.
"Every 'rate comparison' site I tried either made me hand over my phone number just to see a number, or quietly ranked whoever paid them the most. So I built the opposite: every lender's real rate on one page, ranked by APR - nothing to fill out, nothing rigged."
Michael Mikhjian · Founder, MKN Web Solutions
Plug your loan into our calculator and see how much a 1-point lower APR could save you over the life of the loan.
Open the calculatorPlain-English explainers on rates, refinancing, lease buyouts, credit, and the tactics that cut your monthly payment.
Today's averages by credit tier and term, with how rates have moved over the last 12 months.
The four signals that tell you it's time, and the math behind whether the savings beat the fees.
Five fixes that move FICO scores in 30–60 days and translate into a better APR.