The best in
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
Best from a bank
USAA
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in our Bankrate review
Highlights
Competitive rates
Above-average customer service rating
Long shopping window
Why they won
Top features
Best from an online lender
LightStream
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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
Best for auto refinance

RateGenius
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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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Best for used car purchase
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
Best for new car purchase
Autopay
Learn more
in our Bankrate review
Highlights
Quick funding timeline
Wide range of loan amounts
Nationwide coverage
Why they won
Top features
Best all-in-one experience
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
Best for first-in-class customer service

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.