Best Auto Loan Rates (National) - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Current highly competitive national auto loan options include: Arkansas AM&N College Federal Credit UnionArkansas AM&N College Federal Credit Union2020 W Reeker Ave, Pine Bluff, AR, 71601A+5.0 ★Texas Ratio: 3.89%'s New Auto Loan has an APR of 1.99%, First Priority Federal Credit UnionFirst Priority Federal Credit Union500 Virginia Ave, Huntington, WV, 25701A+5.0 ★Texas Ratio: 2.88%'s New Auto Loans has an APR of 1.99%, First Priority Federal Credit UnionFirst Priority Federal Credit Union500 Virginia Ave, Huntington, WV, 25701A+5.0 ★Texas Ratio: 2.88%'s Used Auto - 2023 has an APR of 1.99%, First Priority Federal Credit UnionFirst Priority Federal Credit Union500 Virginia Ave, Huntington, WV, 25701A+5.0 ★Texas Ratio: 2.88%'s Used Auto - 2024-2026 has an APR of 1.99%, and LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 41209 Ingalls St, Vancouver, WA, 98660 2722A+5.0 ★Texas Ratio: 0.85%'s New vehicle Loan has an APR of 1.99%. Auto loan rates as of Jun 16, 2026 according to verified data from MonitorBankRates.
Finding the lowest auto loan rate can save you thousands of dollars over the life of your loan. Whether you are buying a new vehicle from a dealership or financing a pre-owned car, comparing current loan options across top-rated local lenders and national banks is critical.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—ensuring you can confidently choose a stable, highly-rated institution for your next vehicle purchase.
Auto loan rates reflect recent market quotes and representative offers available to borrowers nationwide. Auto Loan Rates Last Updated and Verified: Jun 16, 2026
Auto Loan Rates
90% of MSRP Rate depends on credit rating
As Low As
No additional details provided.
No additional details provided.
As low as 1.99%
Tier A+
No additional details provided.
As Low As
No additional details provided.
Credit Score: 750+
Interest Rate may vary depending on ones credit worthiness and term of loan.
Interest Rate may vary depending on ones credit worthiness and term of loan.
No additional details provided.
APR*
80% Retail Value
Credit Score: 720-749
No additional details provided.
No additional details provided.
As low as
No additional details provided.
No additional details provided.
As Low As
Limited-time offer. Rate requires autopay from a United checking account.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Introductory rate for 6 months, after the 6 month period rate will default to standard rate set through the credit union. Terms and Conditions Apply. See credit union for full details.
As Low As; Modal Year: 2025 & newer
As Low As; Modal Year: 2020-2025
As Low As; With qualifying credit and direct deposit with automatic payment.
No additional details provided.
No additional details provided.
No payment for 90 days with a new, used or refinanced vehicle loan
As Low As; *
Rates are based on a minimum credit score of 700.
Refinance Options Available
100% Retail Value
Credit Score: 720-749
Credit Score: A 700 & Up
As Low As; Payment Per $1000: $29.13
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
As Low As; 13.99%
APR*
Effective Date : 4-1-26
No additional details provided.
As low as; New Vehicles
APR* - From 81% to 100% LTV Ratio
2025-2026 (will finance 1st tag and GAP Insurance)
As Low As
Credit Score: 720-749
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $35 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
New Auto Auto Loan Rates
90% of MSRP Rate depends on credit rating
As Low As
As low as 1.99%
Tier A+
No additional details provided.
As Low As
Credit Score: 750+
Interest Rate may vary depending on ones credit worthiness and term of loan.
No additional details provided.
APR*
80% Retail Value
Credit Score: 720-749
No additional details provided.
As low as
No additional details provided.
As Low As
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Modal Year: 2025 & newer
As Low As; With qualifying credit and direct deposit with automatic payment.
Rates are based on a minimum credit score of 700.
Refinance Options Available
100% Retail Value
Credit Score: 720-749
Credit Score: A 700 & Up
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
As Low As; 13.99%
APR*
Effective Date : 4-1-26
No additional details provided.
As low as; New Vehicles
APR* - From 81% to 100% LTV Ratio
2025-2026 (will finance 1st tag and GAP Insurance)
As Low As
Credit Score: 720-749
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $35 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
100% Financing
Qualifications Required: Must provide a vehicle description; most recent two pays stubs; proof of rent or mortgage; be a credit union member; demonstrate the capacity to repay the loan; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. You can borrow up to $40K for a new car or $35K for a used car. Application fee: $20.00
No additional details provided.
As low as
No additional details provided.
No additional details provided.
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
No additional details provided.
No additional details provided.
As Low As; *
2022 or Newer vehicle
Special!
As Low As; See Auto Loan Rates for details.
Used Auto Auto Loan Rates
No additional details provided.
No additional details provided.
As Low As
Interest Rate may vary depending on ones credit worthiness and term of loan.
No additional details provided.
As low as
No additional details provided.
As Low As
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Modal Year: 2020-2025
As Low As; With qualifying credit and direct deposit with automatic payment.
No additional details provided.
No additional details provided.
Refinance Options Available
As Low As; Payment Per $1000: $29.13
As Low As; Minimum Financing of $10,000 for 60 Months
APR*
No additional details provided.
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $35 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
Credit Score: A 700 & Up
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Qualifications Required: Must provide a vehicle description; most recent two pays stubs; proof of rent or mortgage; be a credit union member; demonstrate the capacity to repay the loan; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. You can borrow up to $40K for a new car or $35K for a used car. Application fee: $20.00
No additional details provided.
No additional details provided.
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
No additional details provided.
No additional details provided.
As Low As; *
2022 or Newer vehicle
No additional details provided.
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As
No additional details provided.
No additional details provided.
As low as
2016-2019
As Low As; Vehicles with less than 20k miles
100% NADA Retail Value
As Low As
No additional details provided.
Model Years 2026 - 2024. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.
No additional details provided.
As Low As
APR as low as
Credit Score: A 700 & Up
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
No additional details provided.
NADA Retail Value Maximum
Fixed
Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
National Auto Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
New Auto Loan rates rose 0.081 points this week to 5.730%, up from 5.649% last week.
Used Auto Loan rates rose 0.002 points this week to 6.493%, up from 6.492% last week.
Auto Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates nationwide directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Comprehensive National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products across the country. We feature a comprehensive mix of lenders — from neighborhood credit unions and regional banks to large national auto lenders available to borrowers in all 50 states.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions
Is it better to get an auto loan from a bank or credit union?
What is a good APR for a car loan?
Should I finance through the dealership?
Top National Auto Loan Rates
- Arkansas AM&N College Federal Credit Union: 1.99% APR (New Auto Loan)
- First Priority Federal Credit Union: 1.99% APR (New Auto Loans)
- First Priority Federal Credit Union: 1.99% APR (Used Auto - 2023)
- First Priority Federal Credit Union: 1.99% APR (Used Auto - 2024-2026)
- LONGSHOREMENS LOCAL 4: 1.99% APR (New vehicle Loan)
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