Borrowing Β· Compare true cost before you sign

Stop paying more than you have to on every payment.

A 1% rate difference on a $30K loan costs $300/year. Compare APR, fees, speed, and qualification fit before you borrow.

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What to compare

Compare loans beyond the quoted rate

APR, origination fees, speed, and qualification fit often matter as much as the headline rate.

Estimate monthly loan payment

Use today's illustrative APR to estimate a monthly payment before you compare lenders.

LOAN AMOUNT$15,000
$1,000$50,000
EST. MONTHLY PAYMENT
$283
AT 4.99% APR

Auto Loans offer library

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Advertising disclosure: Some products on this page are from partners who compensate SwitchWize when you click or apply. This does not affect our editorial rankings or recommendations. All rates shown are from official provider sources. Read our full disclosure

Live Updates Active Β· 3 offers
PenFed Credit Union

PenFed Auto Loan

Top pick

β˜… Best for: Competitive rate with easy online access

PenFed Auto Loan stands out for new & used and no prepayment penalty.

APR4.99%
Min. amount$0
Fees$0
UpdatedApr 2, 2026
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LightStream (Truist)

LightStream Auto Loan

Rate Beat Guarantee

β˜… Best for: Competitive rate with easy online access

LightStream Auto Loan stands out for rate beat guarantee and same-day funding.

APR5.24%
Min. amount$0
Fees$0
UpdatedApr 2, 2026
View details
Capital One

Capital One Auto Finance

Pre-Qualify Online

β˜… Best for: Competitive rate with easy online access

Capital One Auto Finance stands out for pre-qualify online and no dealer markup.

APR6.49%
Min. amount$0
Fees$0
UpdatedApr 2, 2026
View details

Editorial Disclosure: SwitchWize may earn a referral fee when you click through to a partner. This does not affect our rankings, which are based on rate, fees, minimum balance, brand trust, and switching friction. Rates are updated daily.

Tools

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How do you rank Auto Loans?β€Ί
We rank by rate, fees, minimum balance, brand trust, and switching friction. Sponsored products are clearly labeled and do not affect organic rankings.
How often are rates updated?β€Ί
Rates are updated daily from official provider sources and available by 6 AM ET each morning.
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