Best Banks for Auto Loans (2026)

Compare new and used car loan APRs, auto refinancing, soft-pull pre-qualification tools, and credit union auto financing.

Top Rated Auto Loans Banks (22)

Navy Federal Credit Union logo

#1 Navy Federal Credit Union

Rating: 9.7 / 10

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Upgrade logo

#2 Upgrade

Rating: 9.4 / 10

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Capital One logo

#3 Capital One

Rating: 9.4 / 10

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LightStream logo

#4 LightStream

Rating: 9.3 / 10

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PenFed Credit Union logo

#5 PenFed Credit Union

Rating: 9.3 / 10

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Upstart logo

#6 Upstart

Rating: 9.2 / 10

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Bank of America logo

#7 Bank of America

Rating: 9.2 / 10

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First Tech Federal Credit Union logo

#8 First Tech Federal Credit Union

Rating: 9.1 / 10

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Truist logo

#9 Truist

Rating: 9.1 / 10

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LendingTree logo

#10 LendingTree

Rating: 9.0 / 10

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BECU (Boeing Employees Credit Union) logo

#11 BECU (Boeing Employees Credit Union)

Rating: 9.0 / 10

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SchoolsFirst Federal Credit Union logo

#12 SchoolsFirst Federal Credit Union

Rating: 9.0 / 10

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Chase logo

#13 Chase

Rating: 9.0 / 10

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Alliant Credit Union logo

#14 Alliant Credit Union

Rating: 9.0 / 10

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Ally Bank logo

#15 Ally Bank

Rating: 8.9 / 10

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Santander logo

#16 Santander

Rating: 8.6 / 10

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OneMain Financial logo

#17 OneMain Financial

Rating: 8.5 / 10

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Huntington Bank logo

#18 Huntington Bank

Rating: 8.5 / 10

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Wells Fargo logo

#19 Wells Fargo

Rating: 8.4 / 10

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PNC Bank logo

#20 PNC Bank

Rating: 8.4 / 10

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Axos Bank logo

#21 Axos Bank

Rating: 8.4 / 10

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U.S. Bank logo

#22 U.S. Bank

Rating: 8.3 / 10

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Choosing the Best Auto Loan Lender in 2026

Securing direct auto loan pre-approval from a bank or credit union before visiting the dealership gives you cash-buyer negotiating power and protects you from marked-up dealer financing rates. Compare Capital One Auto Navigator, Navy Federal Credit Union, PenFed Credit Union, Bank of America, Chase Auto, Ally Auto, and LightStream across new car APRs, used car financing, lease buyouts, and auto loan refinancing.