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Bankrate’s expert editorial team reviewed nearly 40 lenders so you can find the right fit for your next vehicle. While we may partner with some of the lenders who took gold, our team did not let those relationships influence scores.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Read more about how we scored the Bankrate Awards winners in .

See our top picks

2025 Bankrate Awards Winner Badge

Best from a bank

USAA

USAA

Learn more in our Bankrate review
Highlights Competitive rates Above-average customer service rating Long shopping window

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best from an online lender

LightStream

LightStream

Learn more in our Bankrate review
Highlights Fast funding Customer support available six days a week Easy-to-navigate site and mobile app

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for auto refinance

RateGenius

RateGenius

Learn more in our Bankrate review
Highlights Competitive starting APR Available nationwide Co-applicants encouraged

Why they won

Top features

See our picks for top auto loan lenders

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Awards
2025 Bankrate Awards Winner Badge

Best for used car purchase

PenFed

PenFed

Learn more in our Bankrate review
Highlights Low starting APR Wide range of loan amounts In-person customer service

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for new car purchase

Autopay

Autopay

Learn more in our Bankrate review
Highlights Quick funding timeline Wide range of loan amounts Nationwide coverage

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best all-in-one experience

Bank of America

Bank of America

Learn more in our Bankrate review
Highlights Minimal fees Support available at branches and online Low starting rates

Why they won

Top features

2025 Bankrate Awards Winner Badge

Best for first-in-class customer service

Consumers Credit Union

Consumers Credit Union

Learn more in our Bankrate review
Highlights No fees Preapproval available In-person and online support

Why they won

Top features

Explore the best of the best

Check out the 2025 Bankrate Awards winners across our top categories.