Updated April 2026 · Rates from 3.39% APR

Find Your Best
Car Loan Rate
in 60 Seconds

We've done the hard work — comparing 30+ lenders across every situation so you don't have to. New car, used car, bad credit, or refinancing. Find your rate, fast.

30+ Lenders Reviewed
3.39% Lowest Rate Today
$1T+ US Auto Finance
50 States Covered
See Top 10 Loans ↓ Payment Calculator

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No credit check · Takes 30 seconds

Estimated Monthly Payment
Based on current lender rates
$543
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No credit impact · Free to compare

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No credit impact to compare
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30+ lenders in one place
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Rates updated monthly
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FTC-compliant disclosures
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All 50 states covered
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Bad credit options available
Browse by situation

What Kind of Car Loan Do You Need?

Every situation is different. Select yours to see lenders ranked specifically for you.

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🚗

Top 10 New Car Loans

Buying new? Manufacturer incentives plus bank rates — we compare both to find your real best deal.

From 3.39%
APR · Excellent credit
 →
🚙

Top 10 Used Car Loans

Pre-owned financing with competitive rates. We cover new, certified pre-owned, and private party purchases.

From 4.34%
APR · Excellent credit
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Top 10 Bad Credit Loans

Score below 650? Specialist lenders who approve what banks won't. Real rates, not bait-and-switch.

From 9.99%
APR · Subprime
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Top 10 Refinance Lenders

Paying too much interest? The average refinancer saves $1,200/year. See if the numbers work for you.

From 3.90%
APR · Good credit
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⚡

Top 10 EV & Green Loans

Electric vehicle financing with specialist green rates and potential federal tax credit guidance.

From 3.20%
APR · EV specialist lenders
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Top 10 No Down Payment

100% financing options for qualified buyers. We compare the best zero-down deals available today.

$0 Down
Options available
Find your next ride

Finance Any Car You Love

Luxury sedan car loan
New Car Loans
Luxury & Premium
Vehicle Financing
Rates from 3.39% APR
Sedan financing
Used Car Loans
Pre-Owned Financing
From 4.34% APR
Electric vehicle EV loan
EV Loans
Electric Vehicle
Green Finance
From 3.20% APR
SUV car loan
SUV & Truck Loans
Trucks & SUVs
All makes financed
Sports car loan
Sports Cars
Performance
Financing
Up to $150K loans
Editor's Rankings

Top 10 Car Loans — April 2026

Rates verified April 10, 2026
⭐ Editor's #1 Pick
1
NFCU
Navy Federal Credit Union
Credit unionMilitary members and families
Verified against official lender or marketplace disclosures.
3.89%
starting point
9.3/10
★★★★★
editorial fit
Read reviewOfficial site →
2
Cap One
Capital One Auto Finance
Dealer-network shopping with soft-pull prequalification
Verified against official lender or marketplace disclosures.
4.91%
starting point
9.1/10
★★★★★
editorial fit
Read reviewOfficial site →
3
BofA
Bank of America Auto Loan
Major-bank borrowers who want a direct loan and rate lock
Verified against official lender or marketplace disclosures.
5.34%
starting point
8.9/10
★★★★★
editorial fit
Read reviewOfficial site →
4
PenFed
PenFed Credit Union Auto Loans
Credit unionRefinanceEV fitCredit-union shoppers who want strong purchase and refinance flexibility
Verified against official lender or marketplace disclosures.
4.44%
starting point
9.0/10
★★★★★
editorial fit
Read reviewOfficial site →
5
DCU
DCU Auto Loans
Credit unionRefinanceEV fitEV buyers and disciplined borrowers who can qualify for discounts
Verified against official lender or marketplace disclosures.
4.99%
starting point
8.8/10
★★★★★
editorial fit
Read reviewOfficial site →
6
LightStream
LightStream Auto Loans
RefinanceExcellent-credit borrowers who want an unsecured-style fast process
Verified against official lender or marketplace disclosures.
6.49%
starting point
8.4/10
★★★★★
editorial fit
Read reviewOfficial site →
7
Caribou
Caribou Auto Refinance
RefinanceRefinance shoppers comparing network offers
Verified against official lender or marketplace disclosures.
4.49%
starting point
8.6/10
★★★★★
editorial fit
Read reviewSee offers →
8
AUTOPAY
AUTOPAY Auto Refinance
RefinanceRefinance shoppers who want visible rate grids by credit band
Verified against official lender or marketplace disclosures.
4.67%
starting point
8.7/10
★★★★★
editorial fit
Read reviewSee offers →
9
myAuto
myAutoLoan
RefinanceBorrowers who want up to four offers with one application
Verified against official lender or marketplace disclosures.
3.99%
starting point
8.8/10
★★★★★
editorial fit
Read reviewSee offers →
10
LTree
LendingTree Auto Refinance
RefinanceMarketplace shopping across many lenders
Verified against official lender or marketplace disclosures.
4.99%
starting point
8.5/10
★★★★★
editorial fit
Read reviewSee offers →
Disclosure: This site may earn compensation from some partner links. We are not a lender. Rankings are editorial, but compensation creates bias risk, so compare APR, term length, fees and total amount financed before applying. Read our methodology →
Cleaner conversion logic

Find the right path before you click apply

This router is here to stop obvious mismatches. It is not underwriting. It simply sends visitors toward the most logical lane based on purpose, credit and vehicle type.

Select your details, then route yourself into the most sensible page first.
Best for refinance

AUTOPAY, Caribou, LendingTree

Good starting set if you want lower payment or better APR without walking into a dealer blind.

Best for bad credit

Specialist second-chance paths

Useful if approval is the issue, but total cost still matters more than the yes.

Best for EV buyers

DCU and PenFed

Worth checking first because EV-specific pricing or credit-union structure can matter.

Best for credit unions

Navy Federal, PenFed, DCU

Still hard to beat on raw pricing if you qualify and meet the product rules.

The process

4 Steps to Your Best Rate

Follow these steps every time — they consistently lead to lower APRs and better terms.

1

Check Your Credit Score

Free from any major credit bureau. Knowing your score tells you which lenders you'll qualify with and what rate range to expect.

2

Use Our Calculator

Plug in your loan amount, term, and estimated rate. Know your monthly payment before you ever talk to a lender.

3

Compare 3+ Lenders

Use our rankings to apply to 3–4 lenders. Multiple applications within 14 days count as one credit inquiry.

4

Review the Full Terms

APR, origination fees, prepayment penalties, and term length all affect total cost. Compare total cost, not just monthly payment.

Free tool

Car Loan Payment
Calculator

Estimate monthly payments, total interest, and see a full amortization breakdown.

12 mo96 mo
$584
Monthly Payment
$5,040
Total Interest
$35,040
Total Paid
85% principal Interest cost
Rate tip

Save $2,346 on average

LendingTree data shows borrowers who compare multiple lenders save an average of $2,346 over the life of their loan versus taking the first offer.

Compare Lenders Now →
Credit Score Tip

A 50-point improvement in your credit score could reduce your APR by 2–3%. On a $30,000 loan, that's saving over $2,000 in interest.

How to improve your score →
Localised results

Top 10 Car Loans By State

Lender availability, rates, and approval criteria vary by state. Find the best lenders available in your location.

Don't forget

Get Car Insurance Quotes
While You're Here

Most lenders require proof of insurance before funding. Compare quotes from 20+ insurers and bundle your loan + insurance for extra savings.

$480
Avg annual savings
20+
Insurers compared
2 min
To get quotes
Compare Insurance Free · No obligation

Takes 2 minutes · No credit check

Expert knowledge

Car Loan Guides & Resources

Everything you need to borrow smart, pay less, and avoid the mistakes that cost people thousands.

📈
Credit Scores

How to Boost Your Credit Score Before Applying

A 50-point improvement could save you $2,000+ in interest. Here's the fastest proven approach.

Read Guide →
🤔
Buying Guide

New vs. Used Car: Which is the Better Financial Decision?

The rate gap is real. We crunch the numbers on total cost of ownership for both options.

Read Guide →
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Refinancing

When to Refinance Your Car Loan (And When Not To)

The math doesn't always work in your favour. Here's how to know if refinancing will actually save you money.

Read Guide →
Common questions

Frequently Asked Questions

You can get a car loan with almost any score. Scores 750+ typically get 3.5–5% APR. Scores 650–749 see 6–10%. Below 650 puts you in subprime territory (10–20%+), but specialist lenders like Auto Credit Express still approve these. Improving your score before applying is always worth the time if possible.
No — if you apply to multiple auto lenders within a 14-day window (FICO) or 45-day window (VantageScore), all inquiries count as one. We always recommend comparing 3+ lenders. The slight impact of one inquiry (typically 3–5 points) is far outweighed by the savings from finding a lower rate.
Sometimes — especially with 0% APR manufacturer deals on new cars. But dealers add markup on financing, so always get pre-approved first, then see if the dealer can beat it. Going in with a pre-approval is your best negotiating tool.
Q4 2025 Experian data shows averages of 6.37% (new) and 11.26% (used). A good rate for excellent credit (750+) is under 5% new, under 7% used. If you're being offered significantly more, shop around or consider improving your credit first.
Shorter terms (36–48 months) cost less in total interest and often come with lower rates. Longer terms (60–84 months) give lower monthly payments but cost more overall. As a rule: choose the shortest term you can comfortably afford monthly. Never stretch to 84 months just to make a car "affordable".
We earn referral commissions from lender partners when you click through and apply. This doesn't influence our editorial rankings, which are based purely on independent research. We disclose all affiliate relationships clearly, as required by the FTC. We are not a lender and don't participate in credit decisions.
Yes — many lenders offer 100% financing for qualified buyers. However, a down payment reduces your loan-to-value ratio, often unlocking better rates. It also protects you from going "upside down" as the car depreciates. Even 10% down typically leads to noticeably better terms.
The process is straightforward: check your current rate and remaining balance, compare refinance offers (usually takes 5 minutes), apply with the best lender, and they pay off your existing loan. The key is to have a lower rate AND enough loan remaining to make the savings worthwhile — we recommend at least 12 months remaining.

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