Bank of Baroda vs HDFC Bank vs Punjab National Bank at a glance
| Detail | Bank of Baroda | HDFC Bank | Punjab National Bank |
|---|---|---|---|
| Loan provider type | Public sector bank | Private bank | Public sector bank |
| Legal name | Bank of Baroda | HDFC Bank | Punjab National Bank |
| Vehicle loans with a published rate | Car loan, Two-wheeler loan, Used car loan, Electric car loan, Tractor loan | Car loan, Two-wheeler loan, Used car loan | Car loan, Two-wheeler loan, Used car loan, Electric car loan |
| Car loan: published rate | Floating 7.60% - 11.30%; fixed 8.50% - 11.20% | 7.60% - 14.00%rates given to customers, Apr-Jun 2026; average 8.63%; rack rate from 9% onwards | From 7.60%up to 9.70% floating, CIBIL-based |
| Car loan: maximum tenure | 84 months | Up to 7 years | 84 months |
| Two-wheeler loan: published rate | Floating from 13.60%; fixed from 13.65% | 9.99% - 25.02%rates given to customers, Apr-Jun 2026; average 18.22%; rack rate from 14.50% | From 10.00%Power Ride; 10.85% salaried; 11.35% others |
| Two-wheeler loan: maximum tenure | 60 months | Not published | 60 EMIs (scooters/motorcycles) |
| Used car loan: published rate | Floating 10.20% - 12.95%; fixed 11.90% - 14.65% | 9.50% - 17.00%rates given to customers, Apr-Jun 2026; average 13.51%; rack rate from 11.25% | From 9.45% floating / 10.45% fixed |
| Used car loan: maximum tenure | 60 months (vehicle age + tenure max 96 months) | Not published | 60 months |
| Official website | bankofbaroda.bank.in | hdfc.bank.in | pnb.bank.in |
Bank of Baroda vs HDFC Bank vs Punjab National Bank car loan: rate, fees and tenure
Starting car loan rates as published: Bank of Baroda from 7.60%, HDFC Bank from 7.60% and Punjab National Bank from 7.60%.
| Detail | Bank of Baroda | HDFC Bank | Punjab National Bank |
|---|---|---|---|
| Product | Baroda Car Loan | HDFC Bank New Car Loan | PNB Car Loan |
| Published rate | Floating 7.60% - 11.30%; fixed 8.50% - 11.20% | 7.60% - 14.00%rates given to customers, Apr-Jun 2026; average 8.63%; rack rate from 9% onwards | From 7.60%up to 9.70% floating, CIBIL-based |
| Rate basis | BRLLR-linked (floating) or fixed | Not published | RLLR-linked (floating); fixed option available |
| Maximum tenure | 84 months | Up to 7 years | 84 months |
| Maximum funding | Up to 90% of on-road price; up to Rs 300 lakh (individuals) | Up to 100% (profile-based) | 85% of on-road price (90% with manufacturer tie-ups); individuals up to Rs 100 lakh |
| Processing fee | Rs 1,500 + GST (up to Rs 10 lakh); Rs 2,000 + GST (above) | Up to 0.5% of loan (min Rs 3,500, max Rs 8,000) | 0.25% of loan (min Rs 1,000, max Rs 1,500); nil documentation |
| Pre-closure / prepayment | Floating: nil for individuals; fixed: nil up to Rs 40,000 within 2 years, else 2% + GST | Full pre-closure: 6% of principal within 1 year, 5% in months 13-24, 3% after 24 months (loans from 1 Dec 2025) | Floating: nil; fixed: 2% on amount prepaid (exceptions apply) |
| Other terms published |
| Not published |
|
| Official source | bankofbaroda.bank.in | hdfc.bank.in | pnb.bank.in pnb.bank.in pnb.bank.in |
EMI illustration: ₹10 lakh over 60 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Bank of Baroda | 7.60% | ₹20,086 | ₹2,05,130 | ₹12,05,130 |
| HDFC Bank | 7.60% | ₹20,086 | ₹2,05,130 | ₹12,05,130 |
| Punjab National Bank | 7.60% | ₹20,086 | ₹2,05,130 | ₹12,05,130 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (60 months)
| Loan amount | Bank of Baroda (7.60%) | HDFC Bank (7.60%) | Punjab National Bank (7.60%) |
|---|---|---|---|
| ₹5 lakh | ₹10,043 | ₹10,043 | ₹10,043 |
| ₹10 lakh | ₹20,086 | ₹20,086 | ₹20,086 |
| ₹15 lakh | ₹30,128 | ₹30,128 | ₹30,128 |
| ₹20 lakh | ₹40,171 | ₹40,171 | ₹40,171 |
Read the full guide: Car loan · EMI calculator
Bank of Baroda vs HDFC Bank vs Punjab National Bank two-wheeler loan: rate, fees and tenure
Starting two-wheeler loan rates as published: Bank of Baroda from 13.60%, HDFC Bank from 9.99% and Punjab National Bank from 10%. HDFC Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered.
| Detail | Bank of Baroda | HDFC Bank | Punjab National Bank |
|---|---|---|---|
| Product | Baroda Two Wheeler Loan | HDFC Bank Two Wheeler Loan | PNB Saarthi / PNB Power Ride (women) |
| Published rate | Floating from 13.60%; fixed from 13.65% | 9.99% - 25.02%rates given to customers, Apr-Jun 2026; average 18.22%; rack rate from 14.50% | From 10.00%Power Ride; 10.85% salaried; 11.35% others |
| Rate basis | BRLLR-linked (floating) or 1-year MCLR (fixed) | Fixed (floating not offered) | RLLR-linked |
| Maximum tenure | 60 months | Not published | 60 EMIs (scooters/motorcycles) |
| Maximum funding | Up to Rs 10 lakh | Not published | 90% (salaried, salary via PNB) or 75% of cost; max Rs 1.5 lakh (Rs 10 lakh for 200cc+) |
| Processing fee | 2% of loan (min Rs 250 + GST) | Up to 2.5% of loan, plus documentation charges up to 2.25% | 0.50% of loan (min Rs 500, max Rs 1,000) |
| Pre-closure / prepayment | Floating: nil; fixed: 2% + GST within 2 years | 5% of principal outstanding up to 24 months, 3% after | Nil |
| Other terms published |
| Not published |
|
| Official source | bankofbaroda.bank.in | hdfc.bank.in | pnb.bank.in pnb.bank.in pnb.bank.in |
EMI illustration: ₹1 lakh over 36 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Bank of Baroda | 13.60% | ₹3,398 | ₹22,341 | ₹1,22,341 |
| HDFC Bank | 9.99% | ₹3,226 | ₹16,145 | ₹1,16,145 |
| Punjab National Bank | 10% | ₹3,227 | ₹16,162 | ₹1,16,162 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (36 months)
| Loan amount | Bank of Baroda (13.60%) | HDFC Bank (9.99%) | Punjab National Bank (10%) |
|---|---|---|---|
| ₹0.5 lakh | ₹1,699 | ₹1,613 | ₹1,613 |
| ₹1 lakh | ₹3,398 | ₹3,226 | ₹3,227 |
| ₹1.5 lakh | ₹5,098 | ₹4,839 | ₹4,840 |
Read the full guide: Two-wheeler loan · EMI calculator
Bank of Baroda vs HDFC Bank vs Punjab National Bank used car loan: rate, fees and tenure
Starting used car loan rates as published: Bank of Baroda from 10.20%, HDFC Bank from 9.50% and Punjab National Bank from 9.45%. Punjab National Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are actually offered.
| Detail | Bank of Baroda | HDFC Bank | Punjab National Bank |
|---|---|---|---|
| Product | Baroda Auto Loan for Pre-owned Car | HDFC Bank Pre-Owned Car Loan | PNB Car Loan (used vehicles) |
| Published rate | Floating 10.20% - 12.95%; fixed 11.90% - 14.65% | 9.50% - 17.00%rates given to customers, Apr-Jun 2026; average 13.51%; rack rate from 11.25% | From 9.45% floating / 10.45% fixed |
| Rate basis | BRLLR-linked (floating) or 1-year MCLR (fixed) | Not published | RLLR-linked (floating) or fixed |
| Maximum tenure | 60 months (vehicle age + tenure max 96 months) | Not published | 60 months |
| Maximum funding | Up to 75% of market value; max Rs 50 lakh | Not published | 75% of vehicle value (25% margin); vehicle up to 3 years old |
| Processing fee | 0.50% of loan + GST (min Rs 2,500, max Rs 10,000) | Up to 1% of loan (min Rs 3,500, max Rs 9,000) | Not published |
| Pre-closure / prepayment | Floating: nil; fixed: 2% + GST within 2 years above Rs 40,000 | Full pre-closure: 6% within 1 year, 5% in months 13-24, 3% after 24 months | Floating: nil; fixed: 2% on amount prepaid |
| Other terms published | Not published | Not published |
|
| Official source | bankofbaroda.bank.in | hdfc.bank.in | pnb.bank.in pnb.bank.in |
EMI illustration: ₹5 lakh over 48 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Bank of Baroda | 10.20% | ₹12,729 | ₹1,11,010 | ₹6,11,010 |
| HDFC Bank | 9.50% | ₹12,562 | ₹1,02,955 | ₹6,02,955 |
| Punjab National Bank | 9.45% | ₹12,550 | ₹1,02,382 | ₹6,02,382 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (48 months)
| Loan amount | Bank of Baroda (10.20%) | HDFC Bank (9.50%) | Punjab National Bank (9.45%) |
|---|---|---|---|
| ₹3 lakh | ₹7,638 | ₹7,537 | ₹7,530 |
| ₹5 lakh | ₹12,729 | ₹12,562 | ₹12,550 |
| ₹8 lakh | ₹20,367 | ₹20,099 | ₹20,079 |
Read the full guide: Used car loan · EMI calculator
Bank of Baroda vs HDFC Bank vs Punjab National Bank electric car loan: rate, fees and tenure
Starting electric car loan rates as published: Bank of Baroda from 7.60% and Punjab National Bank from 7.60%. Punjab National Bank lists the longer maximum tenure (120 emis (10 years)). HDFC Bank does not publish an electric car loan rate on its website, so none is shown.
| Detail | Bank of Baroda | HDFC Bank | Punjab National Bank |
|---|---|---|---|
| Product | bob Green Wheel | Not published | PNB Green Car (E-Vehicle) Loan |
| Published rate | Floating 7.60% - 11.15%; fixed 8.50% - 11.05% | Not published | From 7.60% |
| Rate basis | BRLLR-linked (floating) or fixed | Not published | RLLR-linked |
| Maximum tenure | 84 months (96 months for salaried with CIBIL 726+) | Not published | 120 EMIs (10 years) |
| Maximum funding | Up to 90%; max Rs 300 lakh (individuals) | Not published | 90% of on-road price (10% margin), or nil margin on ex-showroom price |
| Processing fee | Rs 750 + GST (up to Rs 10 lakh); Rs 1,000 + GST (above) - 50% concession | Not published | Nil |
| Pre-closure / prepayment | Floating: nil for individuals; fixed: 2% + GST within 2 years above Rs 40,000 | Not published | Nil |
| Other terms published |
| Not published |
|
| Official source | bankofbaroda.bank.in | Not published | pnb.bank.in pnb.bank.in |
EMI illustration: ₹15 lakh over 60 months
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| Bank of Baroda | 7.60% | ₹30,128 | ₹3,07,695 | ₹18,07,695 |
| Punjab National Bank | 7.60% | ₹30,128 | ₹3,07,695 | ₹18,07,695 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Monthly EMI at other loan amounts (60 months)
| Loan amount | Bank of Baroda (7.60%) | Punjab National Bank (7.60%) |
|---|---|---|
| ₹10 lakh | ₹20,086 | ₹20,086 |
| ₹15 lakh | ₹30,128 | ₹30,128 |
| ₹25 lakh | ₹50,214 | ₹50,214 |
Read the full guide: Electric car loan
Bank of Baroda vs HDFC Bank vs Punjab National Bank tractor loan: rate, fees and tenure
Only Bank of Baroda publishes a rate for this product with a stated starting figure, so a like-for-like ranking is not possible. Punjab National Bank lists the longer maximum tenure (new tractor: 7-9 years; no-mortgage variant: 5 years). HDFC Bank and Punjab National Bank do not publish a tractor loan rate on their website, so none is shown.
| Detail | Bank of Baroda | HDFC Bank | Punjab National Bank |
|---|---|---|---|
| Product | Bank of Baroda New Scheme for Tractor | HDFC Bank Tractor Loan | PNB Farm Mechanisation Scheme (tractor financing) |
| Published rate | 12.25% - 14.50%by LTV | Not published | Not published |
| Rate basis | Fixed | Not published | Not published |
| Maximum tenure | 72 months (60 months for Tatkal) | Not published | New tractor: 7-9 years; no-mortgage variant: 5 years |
| Maximum funding | Up to 85% LTV (agri use); 80% agri-commercial; 70% Tatkal | Not published | Need based, net of margin (min 40% margin for no-mortgage variant) |
| Processing fee | 1% of loan amount | Not published | Not published |
| Other terms published |
| Not published |
|
| Official source | bankofbaroda.bank.in | hdfc.bank.in | pnb.bank.in pnb.bank.in |
Read the full guide: Tractor loan
Which is better: Bank of Baroda, HDFC Bank or Punjab National Bank?
No loan provider is best for everyone. This is how the published figures split, product by product.
- Car loan: the loan providers publish the same starting rate (7.60%).
- Two-wheeler loan, lower starting rate: HDFC Bank (9.99%) versus 13.60% at Bank of Baroda and 10% at Punjab National Bank.
- Used car loan, lower starting rate: Punjab National Bank (9.45%) versus 10.20% at Bank of Baroda and 9.50% at HDFC Bank.
- Electric car loan, longer maximum tenure: Punjab National Bank (120 emis (10 years)). A longer tenure lowers the EMI but raises total interest.
- Tractor loan, longer maximum tenure: Punjab National Bank (new tractor: 7-9 years; no-mortgage variant: 5 years). A longer tenure lowers the EMI but raises total interest.
Pick on total cost, not the headline rate: ask each loan provider for the Key Fact Statement and compare the APR and total repayable amount. A low rate with a high processing fee can cost more than a slightly higher rate with no fee.
Bank type and how each loan provider sets its rate
Bank of Baroda and Punjab National Bank are public sector banks and HDFC Bank is a private bank.
What the loan providers' own pages say about how their rates are set:
- Bank of Baroda car loan: BRLLR-linked (floating) or fixed.
- Bank of Baroda two-wheeler loan: BRLLR-linked (floating) or 1-year MCLR (fixed).
- Bank of Baroda used car loan: BRLLR-linked (floating) or 1-year MCLR (fixed).
- Bank of Baroda electric car loan: BRLLR-linked (floating) or fixed.
- Bank of Baroda tractor loan: Fixed.
- HDFC Bank two-wheeler loan: Fixed (floating not offered).
- Punjab National Bank car loan: RLLR-linked (floating); fixed option available.
- Punjab National Bank two-wheeler loan: RLLR-linked.
Banks and non-banking finance companies (NBFCs) publish rates in different ways: some give a range, some only a starting rate and some only a maximum. That is why this page compares like with like and marks every gap as not published instead of guessing.
About Bank of Baroda, HDFC Bank and Punjab National Bank
Bank of Baroda
Public sector bank
Public sector bank offering both fixed and BRLLR-linked floating vehicle loans, with a dedicated EV car loan (bob Green Wheel) and agri tractor schemes.
Lowest published starting rate: 7.60% (Car loan)
HDFC Bank
Private bank
Large private-sector car financier offering new and pre-owned car, two-wheeler, MSME commercial vehicle and tractor loans with up to 100% funding on select profiles.
Lowest published starting rate: 7.60% (Car loan)
Punjab National Bank
Public sector bank
Public sector bank with RLLR-linked vehicle loans, low capped processing fees and rate concessions for women and electric vehicles.
Lowest published starting rate: 7.60% (Car loan)
What to check before you choose a vehicle loan
- Ask for the Key Fact Statement (KFS). RBI requires loan providers to give you one before you sign, showing the interest rate, all fees, the APR and the total amount you will repay.
- Compare APR, not the headline rate. Processing fee, documentation charges and insurance change the real cost.
- Ask about pre-closure charges. Fixed-rate vehicle loans often carry charges for paying early; floating-rate loans to individuals cannot.
- Check what is bundled. Insurance, extended warranty or accessories added to the loan raise the amount you pay interest on. You are free to buy insurance elsewhere.
- Confirm the hypothecation. The loan provider's name is noted on the registration certificate. After the last EMI, collect the NOC and have it removed at the RTO.
Terms used on this page
Plain meanings of the terms this comparison uses.
Starting rate: The lowest rate a loan provider advertises for a product. Most borrowers are offered a higher rate, because the final rate depends on credit score, income, employer and loan amount.
APR: Annual percentage rate. It adds the processing fee and other charges to the interest rate, so it shows the yearly cost of the loan better than the interest rate alone.
Key Fact Statement: A short summary the loan provider gives you before you sign. It lists the interest rate, every fee, the APR and the total amount you will repay. RBI requires it for retail loans.
Floating rate and repo rate: A floating rate moves with a benchmark, and for banks that is usually the RBI repo rate, the rate at which RBI lends to banks. A fixed rate stays the same for the period you agree.
Processing fee: A one-time charge for handling the application. It is usually a percentage of the loan amount plus GST, and it is often deducted before the money reaches you.
Credit score: A number from 300 to 900 that shows how you have repaid past loans and cards. A higher score usually gets you a lower rate.
Sources, method and last check
Every figure above comes from the loan provider's own website. We checked them on 4 October 2026 and list the pages used.
- Bank of Baroda: bankofbaroda.bank.in/loans/vehicle-loan/baroda-car-loan · bankofbaroda.bank.in/loans/vehicle-loan/baroda-two-wheeler-loan · bankofbaroda.bank.in/loans/vehicle-loan/baroda-auto-loan-for-pre-owned-car · bankofbaroda.bank.in/loans/vehicle-loan/bob-green-wheel · bankofbaroda.bank.in/business-banking/rural-and-agri/loans-and-advances/new-scheme-for-tractor
- HDFC Bank: hdfc.bank.in/car-loan/interest-rates-and-charges · hdfc.bank.in/two-wheeler-loan/interest-rates-and-charges · hdfc.bank.in/pre-owned-car-loan/interest-rates-and-charges · hdfc.bank.in/agri-banking/rural-loans/tractor-loan · hdfc.bank.in/msme-banking/msme-vehicle-loan/commercial-vehicle-loan
- Punjab National Bank: pnb.bank.in/carloaninnerpage.html · pnb.bank.in/Retail-Advances-interst-rate-on-advances-linked-to-mclr.html · pnb.bank.in/service-charges-related-to-retail-advances.html · pnb.bank.in/pnbsaarthi.html · pnb.bank.in/PNB-GREEN-CAR-LOAN.html · pnb.bank.in/agriculture-credit-schemes.html
Method: we list only figures we could find on the loan provider's official pages. A blank means the loan provider does not publish that figure, and we never estimate one. Rankings use the published starting rate and published maximum tenure only. Read our editorial policy, how we make money and tell us about an error.
More loan provider comparisons
Bank of Baroda compared with other loan providers
HDFC Bank compared with other loan providers
Punjab National Bank compared with other loan providers
Head-to-head pages for these three loan providers
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Bank of Baroda vs HDFC Bank vs Punjab National Bank: personal, home and other loans
Comparing these loan providers for something other than a vehicle loan? See their published personal loan, home loan, loan against property, business, gold and education loan terms in one place.
Bank of Baroda vs HDFC Bank vs Punjab National Bank compared on all loan types
Frequently asked questions
Which is better for a car loan: Bank of Baroda, HDFC Bank or Punjab National Bank?
Bank of Baroda, HDFC Bank and Punjab National Bank publish the same starting car loan rate of 7.60%. A starting rate is the best case, not a typical offer, so confirm the annual percentage rate (APR) and total repayable amount in each loan provider's Key Fact Statement. Figures are as published on the loan providers' own websites and checked 4 October 2026. The better choice depends on your profile, the loan amount and the fees in your offer letter.
What is the processing fee on a car loan at Bank of Baroda, HDFC Bank and Punjab National Bank?
Bank of Baroda: Rs 1,500 + GST (up to Rs 10 lakh); Rs 2,000 + GST (above). HDFC Bank: Up to 0.5% of loan (min Rs 3,500, max Rs 8,000). Punjab National Bank: 0.25% of loan (min Rs 1,000, max Rs 1,500); nil documentation. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the maximum car loan tenure at Bank of Baroda, HDFC Bank and Punjab National Bank?
Bank of Baroda: 84 months. HDFC Bank: up to 7 years. Punjab National Bank: 84 months.
What is the EMI on a ₹10 lakh car loan at Bank of Baroda, HDFC Bank and Punjab National Bank?
Over 60 months at each loan provider's lowest published rate: Bank of Baroda about ₹20,086 a month at 7.60%; HDFC Bank about ₹20,086 a month at 7.60%; Punjab National Bank about ₹20,086 a month at 7.60%. This is an illustration that leaves out fees, GST and insurance. Your offered rate may be higher.
How much of the vehicle price can I borrow on a car loan from Bank of Baroda, HDFC Bank and Punjab National Bank?
Bank of Baroda: Up to 90% of on-road price; up to Rs 300 lakh (individuals). HDFC Bank: Up to 100% (profile-based). Punjab National Bank: 85% of on-road price (90% with manufacturer tie-ups); individuals up to Rs 100 lakh. Funding is usually profile-based, so the loan provider decides the final amount.
What other terms do Bank of Baroda, HDFC Bank and Punjab National Bank publish for a car loan?
Bank of Baroda: Interest on daily reducing balance; Rs 500 + GST fee for govt/PSU employees; bob Digital Car Loan online variant. Punjab National Bank: 7.60% for women borrowers and e-vehicles; Digi Car Loan online option; Reimbursement for recently bought cars. Check each loan provider's page for eligibility and documents before you apply.
Can I prepay or foreclose a car loan early at Bank of Baroda, HDFC Bank and Punjab National Bank?
Bank of Baroda: Floating: nil for individuals; fixed: nil up to Rs 40,000 within 2 years, else 2% + GST. HDFC Bank: Full pre-closure: 6% of principal within 1 year, 5% in months 13-24, 3% after 24 months (loans from 1 Dec 2025). Punjab National Bank: Floating: nil; fixed: 2% on amount prepaid (exceptions apply). Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
Which vehicle loans do Bank of Baroda, HDFC Bank and Punjab National Bank publish rates for?
Bank of Baroda: car loan, two-wheeler loan, used car loan, electric car loan, tractor loan. HDFC Bank: car loan, two-wheeler loan, used car loan. Punjab National Bank: car loan, two-wheeler loan, used car loan, electric car loan. Based on each loan provider's own website, checked 4 October 2026.
Are the rates on this page the rate I will get?
No. They are the rates the loan providers publish, usually a range or a starting rate. Your approved rate depends on your credit score, income, loan amount, tenure and vehicle. Always read the Key Fact Statement before you sign.
Does KhatuLoans lend money or charge for this comparison?
KhatuLoans is not a loan provider. The loan provider decides approval, rate and terms. Our comparisons are free to read, and we are not paid by the loan providers named here to rank them. See how we make money on our advertiser disclosure page.
KhatuLoans is not a loan provider and is not paid by the loan providers named here to rank them. Rates, fees and prices change; always confirm with the loan provider and dealer. Read our editorial policy and how we make money.