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Auto Loan Rates in Palmer, Alaska (AK) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Palmer, Alaska. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 2, 2026

Current auto loan rates in Palmer, Alaska include MAC Federal Credit UnionMAC Federal Credit Union1010 E Palmer Wasilla Hwy, Palmer, AK, 99645A5.0 ★Texas Ratio: 9.47% offering New Vehicles at 6.39%, TONGASSTONGASSA+5.0 ★Texas Ratio: 0.00% offering New & Used Auto Loans at 2.50%, Alaska Air Group Federal Credit UnionAlaska Air Group Federal Credit UnionA+5.0 ★Texas Ratio: 0.33% offering New Auto (2021 and Newer) - 4 years / 48 months at 4.74%, NORTHERN SKIESNORTHERN SKIESA+5.0 ★Texas Ratio: 2.27% offering New Auto Loan at 4.99%, TRUE NORTHTRUE NORTHA+5.0 ★Texas Ratio: 0.00% offering Autos at 5.45%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Palmer has 1 local institution in our database, with auto loan rates as low as 6.39% APR from MAC Federal Credit Union at 1010 E Palmer Wasilla Hwy, Palmer, AK, 99645. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Palmer, Alaska. Auto Loan Rates Last Updated and Verified: May 2, 2026

Compare Auto Loan Rates Today in Palmer, Alaska & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
1010 E Palmer Wasilla Hwy, Palmer, AK, 99645
New Vehicles
6.39%
120 months
View
▼
APR6.39%
Term120 months
Last UpdatedApr 25, 2026
Details

As Low As

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
1010 E Palmer Wasilla Hwy, Palmer, AK, 99645
Used Vehicles
6.49%
96 months
View
▼
APR6.49%
Term96 months
Last UpdatedApr 25, 2026
Details

As Low As

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 2, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 4 years / 48 months
4.74%
4 years / 48 months
View
▼
APR4.74%
Term4 years / 48 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 5 years / 60 months
4.99%
5 years / 60 months
View
▼
APR4.99%
Term5 years / 60 months
Last UpdatedApr 25, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 84 months (APR may vary)

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 84 months (APR may vary)

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 6 years / 72 months
5.24%
6 years / 72 months
View
▼
APR5.24%
Term6 years / 72 months
Last UpdatedApr 25, 2026
Details

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Autos
5.45%
12-60 months
View
▼
APR5.45%
Term12-60 months
Last UpdatedMay 2, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 7 years / 84 months
5.49%
7 years / 84 months
View
▼
APR5.49%
Term7 years / 84 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 4 years / 48 months
5.49%
4 years / 48 months
View
▼
APR5.49%
Term4 years / 48 months
Last UpdatedApr 25, 2026
Details

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New/Used Auto
5.50%
84 months max
View
▼
APR5.50%
Term84 months max
Last UpdatedApr 25, 2026
Details

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 2, 2026
Details

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Autos
5.65%
84 months
View
▼
APR5.65%
Term84 months
Last UpdatedMay 2, 2026
Details

As Low As

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 5 years / 60 months
5.74%
5 years / 60 months
View
▼
APR5.74%
Term5 years / 60 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 6 years / 72 months
5.99%
6 years / 72 months
View
▼
APR5.99%
Term6 years / 72 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 7 years / 84 months
6.24%
7 years / 84 months
View
▼
APR6.24%
Term7 years / 84 months
Last UpdatedApr 25, 2026
Details

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Autos
6.65%
96 months
View
▼
APR6.65%
Term96 months
Last UpdatedMay 2, 2026
Details

As Low As

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Autos
7.15%
120 months
View
▼
APR7.15%
Term120 months
Last UpdatedMay 2, 2026
Details

As Low As

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Classics & Collectibles Auto Loan
8.50%
72 Months
View
▼
APR8.50%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 72 months (APR may vary)

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
1010 E Palmer Wasilla Hwy, Palmer, AK, 99645
New Vehicles
6.39%
120 months
View
▼
APR6.39%
Term120 months
Last UpdatedApr 25, 2026
Details

As Low As

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 2, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 4 years / 48 months
4.74%
4 years / 48 months
View
▼
APR4.74%
Term4 years / 48 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 5 years / 60 months
4.99%
5 years / 60 months
View
▼
APR4.99%
Term5 years / 60 months
Last UpdatedApr 25, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 84 months (APR may vary)

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 6 years / 72 months
5.24%
6 years / 72 months
View
▼
APR5.24%
Term6 years / 72 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Auto (2021 and Newer) - 7 years / 84 months
5.49%
7 years / 84 months
View
▼
APR5.49%
Term7 years / 84 months
Last UpdatedApr 25, 2026
Details

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New/Used Auto
5.50%
84 months max
View
▼
APR5.50%
Term84 months max
Last UpdatedApr 25, 2026
Details

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
1010 E Palmer Wasilla Hwy, Palmer, AK, 99645
Used Vehicles
6.49%
96 months
View
▼
APR6.49%
Term96 months
Last UpdatedApr 25, 2026
Details

As Low As

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 2, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 84 months (APR may vary)

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 4 years / 48 months
5.49%
4 years / 48 months
View
▼
APR5.49%
Term4 years / 48 months
Last UpdatedApr 25, 2026
Details

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New/Used Auto
5.50%
84 months max
View
▼
APR5.50%
Term84 months max
Last UpdatedApr 25, 2026
Details

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 2, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 5 years / 60 months
5.74%
5 years / 60 months
View
▼
APR5.74%
Term5 years / 60 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 6 years / 72 months
5.99%
6 years / 72 months
View
▼
APR5.99%
Term6 years / 72 months
Last UpdatedApr 25, 2026
Details

Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
Used Auto (Models 2017 - 2020) - 7 years / 84 months
6.24%
7 years / 84 months
View
▼
APR6.24%
Term7 years / 84 months
Last UpdatedApr 25, 2026
Details

Palmer, AK Auto Loan Rate Trends

Compare local Palmer, AK auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alaska Auto Trends →
New Auto Loan — AK Avg
5.626%
Unchanged vs 7 days ago

Alaska new auto loan rates currently average 5.626% APR.

Used Auto Loan — AK Avg
6.014%
Unchanged vs 7 days ago

Alaska used auto loan rates currently average 6.014% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Palmer, Alaska

How does my credit score affect my car loan rate in Alaska?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Palmer, Alaska with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Alaska *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Palmer, Alaska typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Palmer, Alaska?

Based on our current data, some of the lowest auto loan rates available in Palmer, Alaska include:
  • MAC Federal Credit Union: 6.39% (New Vehicles)
  • TONGASS: 2.50% (New & Used Auto Loans)
  • Alaska Air Group Federal Credit Union: 4.74% (New Auto (2021 and Newer) - 4 years / 48 months)
  • NORTHERN SKIES: 4.99% (New Auto Loan)
  • TRUE NORTH: 5.45% (Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Palmer, Alaska. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

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