Best Auto Loan Rates (National) - May 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: SUNY Fredonia Federal Credit UnionSUNY Fredonia Federal Credit Union280 CENTRAL AVE, FREDONIA, NY, 14063 1127A+5.0 ★Texas Ratio: 0.82%'s New Vehicle Loans has an APR of 1.90%, 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%, LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 41209 Ingalls St, Vancouver, WA, 98660 2722A+5.0 ★Texas Ratio: 1.72%'s New vehicle has an APR of 1.99%, Marvel City Federal Credit UnionMarvel City Federal Credit Union316 17th St N, Bessemer, AL, 35020A+5.0 ★Texas Ratio: 1.53%'s NEW Auto Loan has an APR of 2.00%, and Triboro Postal Federal Credit UnionTriboro Postal Federal Credit Union14202 20th Ave, Flushing, NY, 11351 3000A+5.0 ★Texas Ratio: 0.76%'s New Car has an APR of 2.25%. Auto loan rates as of Apr 27, 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: Apr 27, 2026
As Low As; (A+, A Credit Scores)
90% of MSRP Rate depends on credit rating
As Low As
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
20 - 21
No additional details provided.
As Low As
*FOR QUALIFIED MEMBERS WITH PREMIER CREDIT SCORE
Score A: 700 and Up (Max $60,000 and Up)
A++ 750+
No additional details provided.
No additional details provided.
APR is Annual Percentage Rate. Effective as of 12-31-2025. Lowest rate based on all available discounts applied.
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As Low As
As Low As
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Score A: 700 and Up (Max $50,000 and Up)
A+ 720-749
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
As Low As; 72 month term rates begin at 2.99%
No additional details provided.
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Grade: A+ (800+)
Grade A+ (800+)
As Low As
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As Low As
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As Low As
As Low As; 2025 & newer
As Low As; 2020-2025
As Low As; 36 months
As Low As; 48 months
As Low As; 36 months
No additional details provided.
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Score A: 700 and Up (Max $60,000 and Up)
A+ 720-749
Refinance Options Available
No additional details provided.
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As Low As
As Low As
As Low As
As Low As
As Low As; Model Year: 2025 and newer
No additional details provided.
As Low As; (A+, A Credit Scores)
90% of MSRP Rate depends on credit rating
As Low As
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
20 - 21
No additional details provided.
As Low As
*FOR QUALIFIED MEMBERS WITH PREMIER CREDIT SCORE
Score A: 700 and Up (Max $60,000 and Up)
A++ 750+
No additional details provided.
No additional details provided.
As Low As
As Low As
No additional details provided.
A+ 720-749
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
No additional details provided.
Grade: A+ (800+)
As Low As
No additional details provided.
No additional details provided.
As Low As
As Low As; 2025 & newer
As Low As; 36 months
No additional details provided.
No additional details provided.
Score A: 700 and Up (Max $60,000 and Up)
A+ 720-749
Refinance Options Available
No additional details provided.
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As Low As
As Low As
As Low As; Model Year: 2025 and newer
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As Low As
No additional details provided.
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
2025-2026 (will finance 1st tag and GAP Insurance)
As Low As
A+ 720-749
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
As Low As; 100% Financing
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As Low As
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No additional details provided.
Score A: 700 and Up (Max $50,000 and Up)
As Low As; 72 month term rates begin at 2.99%
No additional details provided.
Grade A+ (800+)
As Low As
No additional details provided.
As Low As
As Low As; 2020-2025
As Low As; 48 months
As Low As; 36 months
Refinance Options Available
As Low As
As Low As
As Low As
No additional details provided.
As Low As
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
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Application fee: $20.00; 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. Minimum requirement: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and demonstrate the capacity to repay the loan.
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As Low As
As Low As
As Low As
As Low As; Fewer than 100,000 miles
As Low As; for 36 months at $29.30 per $1,000
2016-2019
100% NADA Retail/MSRP
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
As Low As; **Loan rate starting at..., based on credit score.
A++ 750+
As Low As
No additional details provided.
As Low As
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As Low As; NADA Retail Value Maximum
As Low As
National Auto Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
New Auto Loan rates rose 0.006 points this week to 5.632%, up from 5.626% last week.
Used Auto Loan rates fell 0.021 points this week to 6.351%, down from 6.372% last week.
Auto Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Frequently Asked Questions
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Top National Auto Loan Rates
- SUNY Fredonia Federal Credit Union: 1.90% APR (New Vehicle Loans)
- Arkansas AM&N College Federal Credit Union: 1.99% APR (New Auto Loan)
- LONGSHOREMENS LOCAL 4: 1.99% APR (New vehicle)
- Marvel City Federal Credit Union: 2.00% APR (NEW Auto Loan)
- Triboro Postal Federal Credit Union: 2.25% APR (New Car)
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