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  9. Auto Loan Rate Trends

Sheridan, Colorado Best Auto Loan Rates - October 2026

Sheridan, Colorado auto loan rates from lenders serving Colorado range from 3.74% to 17.50% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Sheridan, Colorado include Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 2.60% offering New/Used Auto Purchase at 3.74%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, SunwardSunwardA+5.0 ★Texas Ratio: 2.97% offering New & Used Vehicle Loan at 4.18%, Northrop Grumman Federal Credit UnionNorthrop Grumman Federal Credit UnionA5.0 ★Texas Ratio: 8.22% offering New Auto at 4.24%, San Juan Mountains Credit UnionSan Juan Mountains Credit UnionA+5.0 ★Texas Ratio: 1.71% offering New and Used Auto - 60 Months at 4.25%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.

Sheridan borrowers have access to 34 lenders serving the Colorado area, with auto loan rates as low as 3.74% APR from Electrical Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Sheridan, Colorado. Auto Loan Rates Last Updated and Verified: October 12, 2026

Compare Auto Loan Rates Today in Sheridan, Colorado & Surrounding Area

Sheridan Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
3.74%
Up to 24 months
▼
APR3.74%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 20, 2026: 3.49% APROct 8, 2026: 3.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.74%▲ from 3.49%
  • Sep 20, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
4.18%
Up to 36 months
▼
APR4.18%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.18% APR · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Oct 9, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 29, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 29, 2026: 4.24% APRSep 29, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 20, 2026: 3.99% APROct 8, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.99%
  • Sep 20, 20263.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.25% ▼ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.75% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 20, 2026: 4.24% APROct 8, 2026: 4.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.49%▲ from 4.24%
  • Sep 20, 20264.24%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
4.59%
4 Years
▼
APR4.59%
Term4 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 18, 2026 · 4.59% APR · checked 2 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Auto Loan
4.64%
60 months
▼
APR4.64%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.64% APR · checked 5 times
4.14%4.64%5.14%Sep 14, 2026: 4.64% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
4.84%
6 Years
▼
APR4.84%
Term6 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 18, 2026 · 4.84% APR · checked 2 times
4.34%4.84%5.34%Sep 18, 2026: 4.84% APRSep 18, 2026Oct 13, 2026
Grand Junction Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans
4.89%
up to 84 months
▼
APR4.89%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 9 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
4.89%
37-48 months
▼
APR4.89%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 6 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Minnequa Works Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Vehicle Loan
4.99%
201 months
▼
APR4.99%
Term201 months
Last UpdatedOct 1, 2026
Details

Term: Up to Published Retail Value - 2018 Through Current Model Year

Rate History
No change since Oct 1, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 1, 2026: 4.99% APROct 1, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
New Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
Used Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Auto Loan Special
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

New and used vehicles. All other collateral 6.5%. Credit score of 700 plus. No late payments with Credit Union, or 30 days past due within 365 days. No bankruptcy in the last 3 years. 72 months 2022-2025 vehicles. Term based on year of vehicle. See terms below. Based on the year of the vehicle.

Rate History
No change since Oct 9, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 9, 2026: 4.99% APROct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
New or Refinanced New Electric Vehicle
4.99%
4 years
▼
APR4.99%
Term4 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Auto Loans
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.99% - 20.24%. Years: 2021-2026

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
New Car/ Truck/ Van Loan
4.99%
12-96 months
▼
APR4.99%
Term12-96 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
Used Car/ Truck/ Van Loan
4.99%
12-96 months
▼
APR4.99%
Term12-96 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.43%
Auto Loans
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.99%-21.00%. Model Years: 2023-2026

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Red Rocks Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Payment amount is determined by APR and term. For example, the payment on a $30,000 loan at 6.99% for 60 months would be $590.36. See credit union for complete details. All loans are subject to credit approval.

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Titled Vehicles Loan
4.99%
Up To 96 Months
▼
APR4.99%
TermUp To 96 Months
Last UpdatedOct 12, 2026
Details

As Low As; Year: 2025-2026

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Titled Vehicles Loan
4.99%
Up To 72 Months
▼
APR4.99%
TermUp To 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Year: 2023 - 2024

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Titled Vehicles Loan
4.99%
Up To 60 Months
▼
APR4.99%
TermUp To 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Year: 2021 - 2022

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Yuma County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Titled Vehicles Loan
4.99%
Up To 48 Months
▼
APR4.99%
TermUp To 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Year: 2020 & Older

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
NEW & USED AUTO
5.14%
Up to 84 months
▼
APR5.14%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Any age of vehicle; Purchased from a dealer or private party

Rate History
1 change since Sep 14, 2026 · 4.64% → 5.14% ▲ 0.50 pts · high 5.14% / low 4.64%
4.14%4.89%5.64%Sep 14, 2026: 4.64% APROct 9, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.14%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Options Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.43%
Auto Loans
5.15%
up to 84 months
▼
APR5.15%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.15%-21.00%. Model Years: 2020-2022

Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 5 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
5.15%
49-60 months
▼
APR5.15%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 6 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.

Rate History
No change since Sep 15, 2026 · 5.23% APR · checked 5 times
4.73%5.23%5.73%Sep 15, 2026: 5.23% APRSep 15, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★ Texas Ratio: 10.44%
New & Used Vehicles, Motorcycles Loan
5.24%
60 months
▼
APR5.24%
Interest Rate5.24%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APROct 5, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
Automobiles
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedOct 10, 2026
Details

Loan Amount example: $15,000; Payment example: $350.06

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 10, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 20, 2026: 4.99% APROct 8, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.24%▲ from 4.99%
  • Sep 20, 20264.99%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Auto Loan
5.25%
0-36 months
▼
APR5.25%
Term0-36 months
Last UpdatedOct 9, 2026
Details

As Low As; Lowest rate shown with a financed Loan-to-Value (LTV) ratio of 100%. Rates are subject to change depending on the loan term, loan to value (LTV), vehicle age, vehicle mileage, credit history, account relationship, or promotional programs. Actual rates are disclosed to approved applicants in writing prior to loan consummation.

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 8 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.25%
Up to 36 months
▼
APR5.25%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 A Credit Tier

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
5.28%
61-72 months
▼
APR5.28%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 6 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.29%
37-60 Months
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.29%
37-60 months
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.35%
48 months
▼
APR5.35%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.35% APR · checked 5 times
4.85%5.35%5.85%Sep 14, 2026: 5.35% APRSep 14, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Autos & Motorcycles
5.37%
48 Months
▼
APR5.37%
Interest Rate5.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.12% → 5.37% ▲ 0.25 pts · high 5.37% / low 5.12%
4.62%5.25%5.87%Sep 18, 2026: 5.12% APROct 9, 2026: 5.37% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.37%▲ from 5.12%
  • Sep 18, 20265.12%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.39%
61-72 Months
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.39%
61-72 months
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Options Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.43%
Auto Loans
5.40%
up to 84 months
▼
APR5.40%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.40%-21.00%. Model Years: 2016-2019

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 5 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.45%
60 months
▼
APR5.45%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.45% APR · checked 5 times
4.95%5.45%5.95%Sep 14, 2026: 5.45% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
New or Refinanced New Electric Vehicle
5.49%
5 years
▼
APR5.49%
Term5 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used or Refinanced Used Electric Vehicle
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
1-36 Months
▼
APR5.49%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
37-48 Months
▼
APR5.49%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
49-60 Months
▼
APR5.49%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Auto Loans
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.49% - 20.74%. Years: 2020-2022

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Auto Loan
5.49%
Up to 84 Months
▼
APR5.49%
Interest Rate5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.26% → 5.49% ▲ 0.23 pts · high 5.49% / low 5.26%
4.76%5.38%5.99%Sep 14, 2026: 5.26% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.26%
  • Sep 14, 20265.26%first recorded
Foothills Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Auto Loan
5.49%
Up to 84 Months
▼
APR5.49%
Interest Rate5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.26% → 5.49% ▲ 0.23 pts · high 5.49% / low 5.26%
4.76%5.38%5.99%Sep 14, 2026: 5.26% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.26%
  • Sep 14, 20265.26%first recorded
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 17.99%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.50%
Up to 36 months
▼
APR5.50%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.55%
72 months
▼
APR5.55%
Term72 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.55% APR · checked 5 times
5.05%5.55%6.05%Sep 14, 2026: 5.55% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.60% APR · checked 5 times
5.10%5.60%6.10%Sep 14, 2026: 5.60% APRSep 14, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Autos & Motorcycles
5.60%
60 Months
▼
APR5.60%
Interest Rate5.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.35% → 5.60% ▲ 0.25 pts · high 5.60% / low 5.35%
4.85%5.48%6.10%Sep 18, 2026: 5.35% APROct 9, 2026: 5.60% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.60%▲ from 5.35%
  • Sep 18, 20265.35%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.65%
84 months
▼
APR5.65%
Term84 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.65% APR · checked 5 times
5.15%5.65%6.15%Sep 14, 2026: 5.65% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.

Rate History
No change since Sep 15, 2026 · 5.70% APR · checked 5 times
5.20%5.70%6.20%Sep 15, 2026: 5.70% APRSep 15, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.70%
60 months
▼
APR5.70%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 5 times
5.20%5.70%6.20%Sep 14, 2026: 5.70% APRSep 14, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loan Purchase
5.74%
0-75 Months
▼
APR5.74%
Term0-75 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.59% → 5.74% ▲ 0.15 pts · high 5.74% / low 5.59%
5.09%5.67%6.24%Sep 14, 2026: 5.59% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.74%▲ from 5.59%
  • Sep 14, 20265.59%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.74%
61-75 Months
▼
APR5.74%
Term61-75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 9, 2026: 5.74% APROct 9, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 20, 2026: 5.49% APROct 8, 2026: 5.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.74%▲ from 5.49%
  • Sep 20, 20265.49%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 A Credit Tier

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Vehicle Loan
5.75%
73-84 months
▼
APR5.75%
Term73-84 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
5.79%
7 years
▼
APR5.79%
Term7 years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 17, 2026 · 5.79% APR · checked 6 times
5.29%5.79%6.29%Sep 17, 2026: 5.79% APRSep 17, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
37-60 months
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
61-72 months
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.80%
72 months
▼
APR5.80%
Term72 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.80% APR · checked 5 times
5.30%5.80%6.30%Sep 14, 2026: 5.80% APRSep 14, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Autos & Motorcycles
5.84%
72 Months
▼
APR5.84%
Interest Rate5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.58% → 5.84% ▲ 0.26 pts · high 5.84% / low 5.58%
5.08%5.71%6.34%Sep 18, 2026: 5.58% APROct 9, 2026: 5.84% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.84%▲ from 5.58%
  • Sep 18, 20265.58%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
New or Refinanced New Electric Vehicle
5.89%
6 years
▼
APR5.89%
Term6 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 7 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.90% APR · checked 5 times
5.40%5.90%6.40%Sep 14, 2026: 5.90% APRSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
FlexChoice Auto Loans
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedOct 9, 2026
Details

As low as; (for 66 months or less with LTV 80% or less and automatic payment discount)*

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
5.99%
66 months or less
▼
APR5.99%
Term66 months or less
Last UpdatedOct 9, 2026
Details

As low as; (for LTV 80% or less and automatic payment discount)*

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Used Auto Loan
5.99%
up to 66 months
▼
APR5.99%
Termup to 66 months
Last UpdatedOct 9, 2026
Details

As low as; (for 66 months or less with LTV 80% or less and automatic payment discount)*

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used or Refinanced Used Electric Vehicle
5.99%
5 years
▼
APR5.99%
Term5 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.99%
76-84 Months
▼
APR5.99%
Term76-84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
5.99%
1-36 Months
▼
APR5.99%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
5.99%
37-48 Months
▼
APR5.99%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
5.99%
49-60 Months
▼
APR5.99%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Auto Loans
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.99% - 21.00%. Years: 2017-2019

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Cars Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.

Rate History
No change since Sep 15, 2026 · 6.05% APR · checked 5 times
5.55%6.05%6.55%Sep 15, 2026: 6.05% APRSep 15, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car purchase Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
6.24%
61-75 Months
▼
APR6.24%
Term61-75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 9, 2026: 6.24% APROct 9, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Auto Loans
6.24%
0-60 Months
▼
APR6.24%
Term0-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.74% → 6.24% ▲ 0.50 pts · high 6.24% / low 5.74%
5.24%5.99%6.74%Sep 14, 2026: 5.74% APROct 9, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.24%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Sep 14, 2026: 5.75% APROct 9, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.25%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 B Credit Tier

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car purchase Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Auto Loans
6.29%
61-72 Months
▼
APR6.29%
Term61-72 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.79% → 6.29% ▲ 0.50 pts · high 6.29% / low 5.79%
5.29%6.04%6.79%Sep 14, 2026: 5.79% APROct 9, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.29%▲ from 5.79%
  • Sep 14, 20265.79%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
6.29%
37-60 months
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Autos & Motorcycles
6.33%
78 Months
▼
APR6.33%
Interest Rate6.25%
Term78 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 6.08% → 6.33% ▲ 0.25 pts · high 6.33% / low 6.08%
5.58%6.21%6.83%Sep 18, 2026: 6.08% APROct 9, 2026: 6.33% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20266.33%▲ from 6.08%
  • Sep 18, 20266.08%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.34%
36 Months
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 15, 2026: 6.34% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.34%
36 Months
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

2016 - 2026

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
Westerra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Auto Loans
6.34%
73-84 Months
▼
APR6.34%
Term73-84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.84% → 6.34% ▲ 0.50 pts · high 6.34% / low 5.84%
5.34%6.09%6.84%Sep 14, 2026: 5.84% APROct 9, 2026: 6.34% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.34%▲ from 5.84%
  • Sep 14, 20265.84%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 15, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

2018 - 2026

Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
5.89%6.39%6.89%Sep 18, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used or Refinanced Used Electric Vehicle
6.39%
6 years
▼
APR6.39%
Term6 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 14, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.44%
60 Months
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
5.94%6.44%6.94%Sep 15, 2026: 6.44% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.44%
60 Months
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

2022 - 2026

Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
5.94%6.44%6.94%Sep 18, 2026: 6.44% APRSep 18, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
6.49%
76-84 Months
▼
APR6.49%
Term76-84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 9, 2026: 6.49% APROct 9, 2026Oct 13, 2026
Power Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Auto Loans
6.49%
Up to 72 Months
▼
APR6.49%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 6.49% - 21.00%. Years: 2016 and Older

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 5 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24%
5.74%6.37%6.99%Sep 20, 2026: 6.24% APROct 8, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20266.49%▲ from 6.24%
  • Sep 20, 20266.24%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

2023 - 2026

Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
6.04%6.54%7.04%Sep 18, 2026: 6.54% APRSep 18, 2026Oct 13, 2026
Meritrust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Autos & Motorcycles
6.58%
84 Months
▼
APR6.58%
Interest Rate6.50%
Term84 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 6.32% → 6.58% ▲ 0.26 pts · high 6.58% / low 6.32%
5.82%6.45%7.08%Sep 18, 2026: 6.32% APROct 9, 2026: 6.58% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20266.58%▲ from 6.32%
  • Sep 18, 20266.32%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loan Purchase
6.74%
76-84 Months
▼
APR6.74%
Term76-84 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 6.59% → 6.74% ▲ 0.15 pts · high 6.74% / low 6.59%
6.09%6.67%7.24%Sep 14, 2026: 6.59% APROct 9, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.74%▲ from 6.59%
  • Sep 14, 20266.59%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 B Credit Tier

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 7 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New/Used/Autos/Trucks/Classics
6.78%
73 to 84 months
▼
APR6.78%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Oct 1, 2026 · 6.28% → 6.78% ▲ 0.50 pts · high 6.78% / low 6.28%
5.78%6.53%7.28%Oct 1, 2026: 6.28% APROct 9, 2026: 6.78% APROct 1, 2026Oct 13, 2026
  • Oct 9, 20266.78%▲ from 6.28%
  • Oct 1, 20266.28%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
6.98%
73-84 Months
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
6.98%
73-84 months
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Off Highway Vehicles Loan
7.30%
60 months
▼
APR7.30%
Term60 months
Last UpdatedOct 9, 2026
Details

All loans subject to credit and collateral approval. Rates subject to change without notice. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 29, 2026 · 7.30% APR · checked 3 times
6.80%7.30%7.80%Sep 29, 2026: 7.30% APRSep 29, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
7.39%
85-96 Months
▼
APR7.39%
Term85-96 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
7.39%
85-96 months
▼
APR7.39%
Term85-96 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Oct 1, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 1, 2026: 7.39% APROct 1, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
7.39%
61-72 months
▼
APR7.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
7.45%
up to 36 months
▼
APR7.45%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.45% APR · checked 4 times
6.95%7.45%7.95%Sep 30, 2026: 7.45% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
7.45%
37-60 months
▼
APR7.45%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.45% APR · checked 4 times
6.95%7.45%7.95%Sep 30, 2026: 7.45% APRSep 30, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Vehicle Loan
7.49%
96 Months
▼
APR7.49%
Term96 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 7.49% - 16.99%.

Rate History
No change since Oct 10, 2026 · 7.49% APR
6.99%7.49%7.99%Oct 10, 2026: 7.49% APROct 10, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
7.75%
up to 36 Months
▼
APR7.75%
Termup to 36 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 7.75% - 8.00%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 7.75% → 7.75% ▼ 0.00 pts · high 8.00% / low 7.75%
7.25%7.88%8.50%Sep 14, 2026: 7.75% APROct 5, 2026: 8.00% APROct 9, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.75%▼ from 8.00%
  • Oct 5, 20268.00%▲ from 7.75%
  • Sep 14, 20267.75%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
7.88%
37 to 42 Months
▼
APR7.88%
Term37 to 42 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 7.875% - 8.125%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 7.88% → 7.88% ▼ 0.00 pts · high 8.13% / low 7.88%
7.38%8.00%8.63%Sep 14, 2026: 7.88% APROct 5, 2026: 8.13% APROct 9, 2026: 7.88% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.88%▼ from 8.13%
  • Oct 5, 20268.13%▲ from 7.88%
  • Sep 14, 20267.88%first recorded
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Vehicle Loan
7.99%
96 Months
▼
APR7.99%
Term96 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 7.99% - 17.49%.

Rate History
No change since Oct 10, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 10, 2026: 7.99% APROct 10, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Vehicle Loan
7.99%
120 Months
▼
APR7.99%
Term120 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 7.99% - 18.24%.

Rate History
No change since Oct 10, 2026 · 7.99% APR
7.49%7.99%8.49%Oct 10, 2026: 7.99% APROct 10, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.00%
43 to 48 Months
▼
APR8.00%
Term43 to 48 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.00% - 8.25%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.00% → 8.00% ▼ 0.00 pts · high 8.25% / low 8.00%
7.50%8.13%8.75%Sep 14, 2026: 8.00% APROct 5, 2026: 8.25% APROct 9, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.00%▼ from 8.25%
  • Oct 5, 20268.25%▲ from 8.00%
  • Sep 14, 20268.00%first recorded
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Business Vehicle Loan
8.00%
72-month
▼
APR8.00%
Term72-month
Last UpdatedOct 9, 2026
Details

Minimum 2 years in business. Maximum loan-to-value is based on the lesser purchase price or retail value: - 80% for commercial vehicles - 100% for business-use passenger cars, pick-up trucks, vans, SUVs not part of fleet vehicles. Estimated monthly payment of $17.53 per thousand borrowed at 8.00% Annual Percentage Rate (APR), based on a 72-month term. Loan rates displayed are Annual Percentage Rates (APR). All rates, terms, and conditions are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 14, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.12%
49 to 54 Months
▼
APR8.12%
Term49 to 54 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.125% - 8.375%. Model Years: 2018 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.13% → 8.13% ▼ 0.00 pts · high 8.38% / low 8.13%
7.63%8.25%8.88%Sep 14, 2026: 8.13% APROct 5, 2026: 8.38% APROct 9, 2026: 8.13% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.13%▼ from 8.38%
  • Oct 5, 20268.38%▲ from 8.13%
  • Sep 14, 20268.13%first recorded
Credit Union of The Rockies
Institution Rating:
A5.0 ★ Texas Ratio: 10.44%
Specialty Vehicles Loan
8.24%
60 months
▼
APR8.24%
Interest Rate8.24%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 7.99% → 8.24% ▲ 0.25 pts · high 8.24% / low 7.99%
7.49%8.12%8.74%Sep 18, 2026: 7.99% APROct 5, 2026: 8.24% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20268.24%▲ from 7.99%
  • Sep 18, 20267.99%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.25%
55 to 60 Months
▼
APR8.25%
Term55 to 60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.25% - 8.50%. Model Years: 2019 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.25% → 8.25% ▼ 0.00 pts · high 8.50% / low 8.25%
7.75%8.38%9.00%Sep 14, 2026: 8.25% APROct 5, 2026: 8.50% APROct 9, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.25%▼ from 8.50%
  • Oct 5, 20268.50%▲ from 8.25%
  • Sep 14, 20268.25%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.38%
61 to 66 Months
▼
APR8.38%
Term61 to 66 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.375% - 8.625%. Model Years: 2020 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.38% → 8.38% ▼ 0.00 pts · high 8.63% / low 8.38%
7.88%8.50%9.13%Sep 14, 2026: 8.38% APROct 5, 2026: 8.63% APROct 9, 2026: 8.38% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.38%▼ from 8.63%
  • Oct 5, 20268.63%▲ from 8.38%
  • Sep 14, 20268.38%first recorded
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Vehicle Loan
8.49%
120 Months
▼
APR8.49%
Term120 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 8.49% - 18.74%.

Rate History
No change since Oct 10, 2026 · 8.49% APR
7.99%8.49%8.99%Oct 10, 2026: 8.49% APROct 10, 2026Oct 13, 2026
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Vehicle Loan
8.49%
180 Months
▼
APR8.49%
Term180 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 8.49% - 18.99%.

Rate History
No change since Oct 10, 2026 · 8.49% APR
7.99%8.49%8.99%Oct 10, 2026: 8.49% APROct 10, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.50%
67 to 72 Months
▼
APR8.50%
Term67 to 72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.50% - 8.75%. Model Years: 2021 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.50% → 8.50% ▼ 0.00 pts · high 8.75% / low 8.50%
8.00%8.63%9.25%Sep 14, 2026: 8.50% APROct 5, 2026: 8.75% APROct 9, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.50%▼ from 8.75%
  • Oct 5, 20268.75%▲ from 8.50%
  • Sep 14, 20268.50%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.62%
73 to 78 Months
▼
APR8.62%
Term73 to 78 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.625% - 8.875%. Model Years: 2022 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.63% → 8.63% ▼ 0.00 pts · high 8.88% / low 8.63%
8.13%8.75%9.38%Sep 14, 2026: 8.63% APROct 5, 2026: 8.88% APROct 9, 2026: 8.63% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.63%▼ from 8.88%
  • Oct 5, 20268.88%▲ from 8.63%
  • Sep 14, 20268.63%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loan
8.74%
0-60 Months
▼
APR8.74%
Term0-60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 8.74% APR
8.24%8.74%9.24%Oct 9, 2026: 8.74% APROct 9, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.75%
79 to 84 Months
▼
APR8.75%
Term79 to 84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.75% - 9.00%. Model Years: 2023, 2024, 2025, or 2026; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.75% → 8.75% ▼ 0.00 pts · high 9.00% / low 8.75%
8.25%8.88%9.50%Sep 14, 2026: 8.75% APROct 5, 2026: 9.00% APROct 9, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.75%▼ from 9.00%
  • Oct 5, 20269.00%▲ from 8.75%
  • Sep 14, 20268.75%first recorded
Pikes Peak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Vehicle Loan
8.99%
180 Months
▼
APR8.99%
Term180 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 8.99% - 19.49%.

Rate History
No change since Oct 10, 2026 · 8.99% APR
8.49%8.99%9.49%Oct 10, 2026: 8.99% APROct 10, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loan
9.24%
61-72 Months
▼
APR9.24%
Term61-72 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 9.24% APR
8.74%9.24%9.74%Oct 9, 2026: 9.24% APROct 9, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Auto Loan
9.74%
73-84 Months
▼
APR9.74%
Term73-84 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Oct 9, 2026 · 9.74% APR
9.24%9.74%10.24%Oct 9, 2026: 9.74% APROct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
9.80%
61-72 months
▼
APR9.80%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
9.80%
73-84 months
▼
APR9.80%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
9.80%
85-180 months
▼
APR9.80%
Term85-180 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
11.25%
60 Months
▼
APR11.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 11.25% ▼ 0.50 pts · high 11.75% / low 11.25%
10.75%11.50%12.25%Sep 14, 2026: 11.75% APROct 9, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.25%▼ from 11.75%
  • Sep 14, 202611.75%first recorded
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
First Time Auto Buyer Loan
11.50%
36 Months
▼
APR11.50%
Term36 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 11.35% → 11.50% ▲ 0.15 pts · high 11.50% / low 11.35%
10.85%11.43%12.00%Sep 14, 2026: 11.35% APROct 9, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.50%▲ from 11.35%
  • Sep 14, 202611.35%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
11.75%
60 Months
▼
APR11.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
11.75%
72 Months
▼
APR11.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
First Time Auto Buyer Loan
12.00%
48 Months
▼
APR12.00%
Term48 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 11.85% → 12.00% ▲ 0.15 pts · high 12.00% / low 11.85%
11.35%11.93%12.50%Sep 14, 2026: 11.85% APROct 9, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.00%▲ from 11.85%
  • Sep 14, 202611.85%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
12.25%
72 Months
▼
APR12.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 12.25% ▲ 0.50 pts · high 12.25% / low 11.75%
11.25%12.00%12.75%Sep 14, 2026: 11.75% APROct 9, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.25%▲ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
12.25%
60 Months
▼
APR12.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 C Credit Tier

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
First Time Auto Buyer Loan
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 12.35% → 12.50% ▲ 0.15 pts · high 12.50% / low 12.35%
11.85%12.43%13.00%Sep 14, 2026: 12.35% APROct 9, 2026: 12.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.50%▲ from 12.35%
  • Sep 14, 202612.35%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
12.75%
72 Months
▼
APR12.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 C Credit Tier

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 7 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
Partner Colorado Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
First Time Auto Buyer Loan
13.50%
75 Months
▼
APR13.50%
Term75 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 13.35% → 13.50% ▲ 0.15 pts · high 13.50% / low 13.35%
12.85%13.43%14.00%Sep 14, 2026: 13.35% APROct 9, 2026: 13.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202613.50%▲ from 13.35%
  • Sep 14, 202613.35%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
16.00%
60 Months
▼
APR16.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 16.00% ▼ 0.50 pts · high 16.50% / low 16.00%
15.50%16.25%17.00%Sep 14, 2026: 16.50% APROct 9, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.00%▼ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
16.50%
60 Months
▼
APR16.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
16.50%
72 Months
▼
APR16.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
17.00%
72 Months
▼
APR17.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 17.00% ▲ 0.50 pts · high 17.00% / low 16.50%
16.00%16.75%17.50%Sep 14, 2026: 16.50% APROct 9, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202617.00%▲ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
17.00%
60 Months
▼
APR17.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 D Credit Tier

Rate History
No change since Sep 14, 2026 · 17.00% APR · checked 7 times
16.50%17.00%17.50%Sep 14, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
17.50%
72 Months
▼
APR17.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 D Credit Tier

Rate History
No change since Sep 14, 2026 · 17.50% APR · checked 7 times
17.00%17.50%18.00%Sep 14, 2026: 17.50% APRSep 14, 2026Oct 13, 2026

Sheridan New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
3.74%
Up to 24 months
▼
APR3.74%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 20, 2026: 3.49% APROct 8, 2026: 3.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.74%▲ from 3.49%
  • Sep 20, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
4.18%
Up to 36 months
▼
APR4.18%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.18% APR · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Oct 9, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 20, 2026: 3.99% APROct 8, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.99%
  • Sep 20, 20263.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.25% ▼ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.75% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 20, 2026: 4.24% APROct 8, 2026: 4.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.49%▲ from 4.24%
  • Sep 20, 20264.24%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
4.59%
4 Years
▼
APR4.59%
Term4 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 18, 2026 · 4.59% APR · checked 2 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
4.84%
6 Years
▼
APR4.84%
Term6 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 18, 2026 · 4.84% APR · checked 2 times
4.34%4.84%5.34%Sep 18, 2026: 4.84% APRSep 18, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
4.89%
37-48 months
▼
APR4.89%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 6 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
New Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
New or Refinanced New Electric Vehicle
4.99%
4 years
▼
APR4.99%
Term4 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
New Car/ Truck/ Van Loan
4.99%
12-96 months
▼
APR4.99%
Term12-96 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Auto Loans
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
NEW & USED AUTO
5.14%
Up to 84 months
▼
APR5.14%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Any age of vehicle; Purchased from a dealer or private party

Rate History
1 change since Sep 14, 2026 · 4.64% → 5.14% ▲ 0.50 pts · high 5.14% / low 4.64%
4.14%4.89%5.64%Sep 14, 2026: 4.64% APROct 9, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.14%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
5.15%
49-60 months
▼
APR5.15%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 6 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.

Rate History
No change since Sep 15, 2026 · 5.23% APR · checked 5 times
4.73%5.23%5.73%Sep 15, 2026: 5.23% APRSep 15, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★ Texas Ratio: 10.44%
New & Used Vehicles, Motorcycles Loan
5.24%
60 months
▼
APR5.24%
Interest Rate5.24%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APROct 5, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 20, 2026: 4.99% APROct 8, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.24%▲ from 4.99%
  • Sep 20, 20264.99%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.25%
Up to 36 months
▼
APR5.25%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
5.28%
61-72 months
▼
APR5.28%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 6 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.35%
48 months
▼
APR5.35%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.35% APR · checked 5 times
4.85%5.35%5.85%Sep 14, 2026: 5.35% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.45%
60 months
▼
APR5.45%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.45% APR · checked 5 times
4.95%5.45%5.95%Sep 14, 2026: 5.45% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
New Auto
5.49%
7 Years
▼
APR5.49%
Term7 Years
Last UpdatedOct 9, 2026
Details

APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
New or Refinanced New Electric Vehicle
5.49%
5 years
▼
APR5.49%
Term5 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
1-36 Months
▼
APR5.49%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
37-48 Months
▼
APR5.49%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
49-60 Months
▼
APR5.49%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
New Auto Loan
5.49%
Up to 84 Months
▼
APR5.49%
Interest Rate5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.26% → 5.49% ▲ 0.23 pts · high 5.49% / low 5.26%
4.76%5.38%5.99%Sep 14, 2026: 5.26% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.26%
  • Sep 14, 20265.26%first recorded
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 17.99%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.55%
72 months
▼
APR5.55%
Term72 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.55% APR · checked 5 times
5.05%5.55%6.05%Sep 14, 2026: 5.55% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
New Auto
5.65%
84 months
▼
APR5.65%
Term84 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.65% APR · checked 5 times
5.15%5.65%6.15%Sep 14, 2026: 5.65% APRSep 14, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.

Rate History
No change since Sep 15, 2026 · 5.70% APR · checked 5 times
5.20%5.70%6.20%Sep 15, 2026: 5.70% APRSep 15, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.74%
61-75 Months
▼
APR5.74%
Term61-75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 9, 2026: 5.74% APROct 9, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 20, 2026: 5.49% APROct 8, 2026: 5.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.74%▲ from 5.49%
  • Sep 20, 20265.49%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Vehicle Loan
5.75%
73-84 months
▼
APR5.75%
Term73-84 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
37-60 months
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
61-72 months
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
New or Refinanced New Electric Vehicle
5.89%
6 years
▼
APR5.89%
Term6 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.89% APR · checked 7 times
5.39%5.89%6.39%Sep 14, 2026: 5.89% APRSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
New Auto Loans
5.99%
66 months or less
▼
APR5.99%
Term66 months or less
Last UpdatedOct 9, 2026
Details

As low as; (for LTV 80% or less and automatic payment discount)*

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.99%
76-84 Months
▼
APR5.99%
Term76-84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car purchase Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car rate Loan
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Sep 14, 2026: 5.75% APROct 9, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.25%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.34%
36 Months
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 15, 2026: 6.34% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 15, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.44%
60 Months
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
5.94%6.44%6.94%Sep 15, 2026: 6.44% APRSep 15, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24%
5.74%6.37%6.99%Sep 20, 2026: 6.24% APROct 8, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20266.49%▲ from 6.24%
  • Sep 20, 20266.24%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Auto Loan
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New/Used/Autos/Trucks/Classics
6.78%
73 to 84 months
▼
APR6.78%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Oct 1, 2026 · 6.28% → 6.78% ▲ 0.50 pts · high 6.78% / low 6.28%
5.78%6.53%7.28%Oct 1, 2026: 6.28% APROct 9, 2026: 6.78% APROct 1, 2026Oct 13, 2026
  • Oct 9, 20266.78%▲ from 6.28%
  • Oct 1, 20266.28%first recorded
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
7.39%
85-96 Months
▼
APR7.39%
Term85-96 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
7.39%
85-96 months
▼
APR7.39%
Term85-96 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Oct 1, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 1, 2026: 7.39% APROct 1, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
7.75%
up to 36 Months
▼
APR7.75%
Termup to 36 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 7.75% - 8.00%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 7.75% → 7.75% ▼ 0.00 pts · high 8.00% / low 7.75%
7.25%7.88%8.50%Sep 14, 2026: 7.75% APROct 5, 2026: 8.00% APROct 9, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.75%▼ from 8.00%
  • Oct 5, 20268.00%▲ from 7.75%
  • Sep 14, 20267.75%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
7.88%
37 to 42 Months
▼
APR7.88%
Term37 to 42 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 7.875% - 8.125%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 7.88% → 7.88% ▼ 0.00 pts · high 8.13% / low 7.88%
7.38%8.00%8.63%Sep 14, 2026: 7.88% APROct 5, 2026: 8.13% APROct 9, 2026: 7.88% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.88%▼ from 8.13%
  • Oct 5, 20268.13%▲ from 7.88%
  • Sep 14, 20267.88%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.00%
43 to 48 Months
▼
APR8.00%
Term43 to 48 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.00% - 8.25%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.00% → 8.00% ▼ 0.00 pts · high 8.25% / low 8.00%
7.50%8.13%8.75%Sep 14, 2026: 8.00% APROct 5, 2026: 8.25% APROct 9, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.00%▼ from 8.25%
  • Oct 5, 20268.25%▲ from 8.00%
  • Sep 14, 20268.00%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.12%
49 to 54 Months
▼
APR8.12%
Term49 to 54 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.125% - 8.375%. Model Years: 2018 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.13% → 8.13% ▼ 0.00 pts · high 8.38% / low 8.13%
7.63%8.25%8.88%Sep 14, 2026: 8.13% APROct 5, 2026: 8.38% APROct 9, 2026: 8.13% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.13%▼ from 8.38%
  • Oct 5, 20268.38%▲ from 8.13%
  • Sep 14, 20268.13%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.25%
55 to 60 Months
▼
APR8.25%
Term55 to 60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.25% - 8.50%. Model Years: 2019 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.25% → 8.25% ▼ 0.00 pts · high 8.50% / low 8.25%
7.75%8.38%9.00%Sep 14, 2026: 8.25% APROct 5, 2026: 8.50% APROct 9, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.25%▼ from 8.50%
  • Oct 5, 20268.50%▲ from 8.25%
  • Sep 14, 20268.25%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.38%
61 to 66 Months
▼
APR8.38%
Term61 to 66 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.375% - 8.625%. Model Years: 2020 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.38% → 8.38% ▼ 0.00 pts · high 8.63% / low 8.38%
7.88%8.50%9.13%Sep 14, 2026: 8.38% APROct 5, 2026: 8.63% APROct 9, 2026: 8.38% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.38%▼ from 8.63%
  • Oct 5, 20268.63%▲ from 8.38%
  • Sep 14, 20268.38%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.50%
67 to 72 Months
▼
APR8.50%
Term67 to 72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.50% - 8.75%. Model Years: 2021 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.50% → 8.50% ▼ 0.00 pts · high 8.75% / low 8.50%
8.00%8.63%9.25%Sep 14, 2026: 8.50% APROct 5, 2026: 8.75% APROct 9, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.50%▼ from 8.75%
  • Oct 5, 20268.75%▲ from 8.50%
  • Sep 14, 20268.50%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.62%
73 to 78 Months
▼
APR8.62%
Term73 to 78 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.625% - 8.875%. Model Years: 2022 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.63% → 8.63% ▼ 0.00 pts · high 8.88% / low 8.63%
8.13%8.75%9.38%Sep 14, 2026: 8.63% APROct 5, 2026: 8.88% APROct 9, 2026: 8.63% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.63%▼ from 8.88%
  • Oct 5, 20268.88%▲ from 8.63%
  • Sep 14, 20268.63%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.75%
79 to 84 Months
▼
APR8.75%
Term79 to 84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.75% - 9.00%. Model Years: 2023, 2024, 2025, or 2026; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.75% → 8.75% ▼ 0.00 pts · high 9.00% / low 8.75%
8.25%8.88%9.50%Sep 14, 2026: 8.75% APROct 5, 2026: 9.00% APROct 9, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.75%▼ from 9.00%
  • Oct 5, 20269.00%▲ from 8.75%
  • Sep 14, 20268.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
11.25%
60 Months
▼
APR11.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 11.25% ▼ 0.50 pts · high 11.75% / low 11.25%
10.75%11.50%12.25%Sep 14, 2026: 11.75% APROct 9, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.25%▼ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
11.75%
60 Months
▼
APR11.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
11.75%
72 Months
▼
APR11.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
12.25%
72 Months
▼
APR12.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 12.25% ▲ 0.50 pts · high 12.25% / low 11.75%
11.25%12.00%12.75%Sep 14, 2026: 11.75% APROct 9, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.25%▲ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
16.00%
60 Months
▼
APR16.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 16.00% ▼ 0.50 pts · high 16.50% / low 16.00%
15.50%16.25%17.00%Sep 14, 2026: 16.50% APROct 9, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.00%▼ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
16.50%
60 Months
▼
APR16.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
16.50%
72 Months
▼
APR16.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
17.00%
72 Months
▼
APR17.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 17.00% ▲ 0.50 pts · high 17.00% / low 16.50%
16.00%16.75%17.50%Sep 14, 2026: 16.50% APROct 9, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202617.00%▲ from 16.50%
  • Sep 14, 202616.50%first recorded

Sheridan Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
3.74%
Up to 24 months
▼
APR3.74%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 20, 2026: 3.49% APROct 8, 2026: 3.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20263.74%▲ from 3.49%
  • Sep 20, 20263.49%first recorded
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
4.18%
Up to 36 months
▼
APR4.18%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.18% APR · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 29, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 29, 2026: 4.24% APRSep 29, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99%
3.49%4.12%4.74%Sep 20, 2026: 3.99% APROct 8, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.24%▲ from 3.99%
  • Sep 20, 20263.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.25% ▼ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.75% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▼ from 4.75%
  • Sep 14, 20264.75%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 20, 2026: 4.24% APROct 8, 2026: 4.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20264.49%▲ from 4.24%
  • Sep 20, 20264.24%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
4.89%
37-48 months
▼
APR4.89%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 6 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Columbine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
Used Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 9 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Arapahoe Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.29%
Used Car/ Truck/ Van Loan
4.99%
12-96 months
▼
APR4.99%
Term12-96 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Rio Grande Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Metrum Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
NEW & USED AUTO
5.14%
Up to 84 months
▼
APR5.14%
TermUp to 84 months
Last UpdatedOct 9, 2026
Details

Any age of vehicle; Purchased from a dealer or private party

Rate History
1 change since Sep 14, 2026 · 4.64% → 5.14% ▲ 0.50 pts · high 5.14% / low 4.64%
4.14%4.89%5.64%Sep 14, 2026: 4.64% APROct 9, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.14%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
5.15%
49-60 months
▼
APR5.15%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.15% APR · checked 6 times
4.65%5.15%5.65%Sep 14, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
Credit Union of The Rockies
Institution Rating:
A5.0 ★ Texas Ratio: 10.44%
New & Used Vehicles, Motorcycles Loan
5.24%
60 months
▼
APR5.24%
Interest Rate5.24%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 18, 2026: 4.99% APROct 5, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
  • Oct 5, 20265.24%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 20, 2026: 4.99% APROct 8, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.24%▲ from 4.99%
  • Sep 20, 20264.99%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 A

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 A Credit Tier

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Sunward
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New & Used Vehicle Loan
5.28%
61-72 months
▼
APR5.28%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As; Non-variable rate loan; 100% financing available; rate based on credit history, model year, mileage, and loan term

Rate History
No change since Sep 14, 2026 · 5.28% APR · checked 6 times
4.78%5.28%5.78%Sep 14, 2026: 5.28% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.29%
37-60 Months
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.29%
37-60 months
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.39%
61-72 Months
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.39%
61-72 months
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used or Refinanced Used Electric Vehicle
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
1-36 Months
▼
APR5.49%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
37-48 Months
▼
APR5.49%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.49%
49-60 Months
▼
APR5.49%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Foothills Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Used Auto Loan
5.49%
Up to 84 Months
▼
APR5.49%
Interest Rate5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.26% → 5.49% ▲ 0.23 pts · high 5.49% / low 5.26%
4.76%5.38%5.99%Sep 14, 2026: 5.26% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.26%
  • Sep 14, 20265.26%first recorded
Coloramo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Auto Loan (New & Used)
5.49%
Up to 7 years
▼
APR5.49%
TermUp to 7 years
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 17.99%.

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.50%
Up to 36 months
▼
APR5.50%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.60% APR · checked 5 times
5.10%5.60%6.10%Sep 14, 2026: 5.60% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.70%
60 months
▼
APR5.70%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 5 times
5.20%5.70%6.20%Sep 14, 2026: 5.70% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.74%
61-75 Months
▼
APR5.74%
Term61-75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 9, 2026: 5.74% APROct 9, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 20, 2026: 5.49% APROct 8, 2026: 5.74% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20265.74%▲ from 5.49%
  • Sep 20, 20265.49%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 B

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 A Credit Tier

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 7 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Used Auto / Refi
5.79%
7 years
▼
APR5.79%
Term7 years
Last UpdatedOct 9, 2026
Details

All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.

Rate History
No change since Sep 17, 2026 · 5.79% APR · checked 6 times
5.29%5.79%6.29%Sep 17, 2026: 5.79% APRSep 17, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.80%
72 months
▼
APR5.80%
Term72 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.80% APR · checked 5 times
5.30%5.80%6.30%Sep 14, 2026: 5.80% APRSep 14, 2026Oct 13, 2026
Polam Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.43%
Used Auto
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.90% APR · checked 5 times
5.40%5.90%6.40%Sep 14, 2026: 5.90% APRSep 14, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
5.99%
61 to 72 months
▼
APR5.99%
Term61 to 72 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Credit Union Of Colorado
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
Used Auto Loan
5.99%
up to 66 months
▼
APR5.99%
Termup to 66 months
Last UpdatedOct 9, 2026
Details

As low as; (for 66 months or less with LTV 80% or less and automatic payment discount)*

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.49% APROct 5, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used or Refinanced Used Electric Vehicle
5.99%
5 years
▼
APR5.99%
Term5 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 7 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New & Pre-owned Vehicles (Model Years 2023 - 2027) Loan
5.99%
76-84 Months
▼
APR5.99%
Term76-84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
5.99%
1-36 Months
▼
APR5.99%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
5.99%
37-48 Months
▼
APR5.99%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
5.99%
49-60 Months
▼
APR5.99%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Used Cars Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedOct 7, 2026
Details

Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.

Rate History
No change since Sep 15, 2026 · 6.05% APR · checked 5 times
5.55%6.05%6.55%Sep 15, 2026: 6.05% APRSep 15, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
6.24%
61-75 Months
▼
APR6.24%
Term61-75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 9, 2026: 6.24% APROct 9, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 B

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.25% ▲ 0.50 pts · high 6.25% / low 5.75%
5.25%6.00%6.75%Sep 14, 2026: 5.75% APROct 9, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20266.25%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 B Credit Tier

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car purchase Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car rate Loan
6.29%
60 months
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
6.29%
37-60 months
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.34%
36 Months
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

2016 - 2026

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

2018 - 2026

Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
5.89%6.39%6.89%Sep 18, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
Clean Energy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used or Refinanced Used Electric Vehicle
6.39%
6 years
▼
APR6.39%
Term6 years
Last UpdatedOct 9, 2026
Details

Rates shown include a 2.00% discount for automatic loan payments.

Rate History
No change since Sep 14, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 14, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.44%
60 Months
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

2022 - 2026

Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
5.94%6.44%6.94%Sep 18, 2026: 6.44% APRSep 18, 2026Oct 13, 2026
Weld Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Pre-Owned & Classic Vehicles (Model years less than 2023) Loan
6.49%
76-84 Months
▼
APR6.49%
Term76-84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 9, 2026: 6.49% APROct 9, 2026Oct 13, 2026
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
New/Used Auto Purchase
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates quoted as of 10/01/2026

Rate History
1 change since Sep 20, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24%
5.74%6.37%6.99%Sep 20, 2026: 6.24% APROct 8, 2026: 6.49% APRSep 20, 2026Oct 13, 2026
  • Oct 8, 20266.49%▲ from 6.24%
  • Sep 20, 20266.24%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Auto Loan
6.54%
72 Months
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

2023 - 2026

Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
6.04%6.54%7.04%Sep 18, 2026: 6.54% APRSep 18, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 B Credit Tier

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 7 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Credit Union Of Denver
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New/Used/Autos/Trucks/Classics
6.78%
73 to 84 months
▼
APR6.78%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Oct 1, 2026 · 6.28% → 6.78% ▲ 0.50 pts · high 6.78% / low 6.28%
5.78%6.53%7.28%Oct 1, 2026: 6.28% APROct 9, 2026: 6.78% APROct 1, 2026Oct 13, 2026
  • Oct 9, 20266.78%▲ from 6.28%
  • Oct 1, 20266.28%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
6.98%
73-84 Months
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
6.98%
73-84 months
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Westminster Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New or Used Auto
6.99%
73 to 84 months
▼
APR6.99%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; Max. Amount: 100%, including taxes and insurance

Rate History
No change since Sep 14, 2026 · 6.99% APR · checked 8 times
6.49%6.99%7.49%Sep 14, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
7.39%
61-72 months
▼
APR7.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
7.75%
up to 36 Months
▼
APR7.75%
Termup to 36 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 7.75% - 8.00%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 7.75% → 7.75% ▼ 0.00 pts · high 8.00% / low 7.75%
7.25%7.88%8.50%Sep 14, 2026: 7.75% APROct 5, 2026: 8.00% APROct 9, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.75%▼ from 8.00%
  • Oct 5, 20268.00%▲ from 7.75%
  • Sep 14, 20267.75%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
7.88%
37 to 42 Months
▼
APR7.88%
Term37 to 42 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 7.875% - 8.125%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 7.88% → 7.88% ▼ 0.00 pts · high 8.13% / low 7.88%
7.38%8.00%8.63%Sep 14, 2026: 7.88% APROct 5, 2026: 8.13% APROct 9, 2026: 7.88% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20267.88%▼ from 8.13%
  • Oct 5, 20268.13%▲ from 7.88%
  • Sep 14, 20267.88%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.00%
43 to 48 Months
▼
APR8.00%
Term43 to 48 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.00% - 8.25%. Model Years: Any model year; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.00% → 8.00% ▼ 0.00 pts · high 8.25% / low 8.00%
7.50%8.13%8.75%Sep 14, 2026: 8.00% APROct 5, 2026: 8.25% APROct 9, 2026: 8.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.00%▼ from 8.25%
  • Oct 5, 20268.25%▲ from 8.00%
  • Sep 14, 20268.00%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.12%
49 to 54 Months
▼
APR8.12%
Term49 to 54 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.125% - 8.375%. Model Years: 2018 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.13% → 8.13% ▼ 0.00 pts · high 8.38% / low 8.13%
7.63%8.25%8.88%Sep 14, 2026: 8.13% APROct 5, 2026: 8.38% APROct 9, 2026: 8.13% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.13%▼ from 8.38%
  • Oct 5, 20268.38%▲ from 8.13%
  • Sep 14, 20268.13%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.25%
55 to 60 Months
▼
APR8.25%
Term55 to 60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.25% - 8.50%. Model Years: 2019 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.25% → 8.25% ▼ 0.00 pts · high 8.50% / low 8.25%
7.75%8.38%9.00%Sep 14, 2026: 8.25% APROct 5, 2026: 8.50% APROct 9, 2026: 8.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.25%▼ from 8.50%
  • Oct 5, 20268.50%▲ from 8.25%
  • Sep 14, 20268.25%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.38%
61 to 66 Months
▼
APR8.38%
Term61 to 66 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.375% - 8.625%. Model Years: 2020 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.38% → 8.38% ▼ 0.00 pts · high 8.63% / low 8.38%
7.88%8.50%9.13%Sep 14, 2026: 8.38% APROct 5, 2026: 8.63% APROct 9, 2026: 8.38% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.38%▼ from 8.63%
  • Oct 5, 20268.63%▲ from 8.38%
  • Sep 14, 20268.38%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.50%
67 to 72 Months
▼
APR8.50%
Term67 to 72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.50% - 8.75%. Model Years: 2021 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.50% → 8.50% ▼ 0.00 pts · high 8.75% / low 8.50%
8.00%8.63%9.25%Sep 14, 2026: 8.50% APROct 5, 2026: 8.75% APROct 9, 2026: 8.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.50%▼ from 8.75%
  • Oct 5, 20268.75%▲ from 8.50%
  • Sep 14, 20268.50%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.62%
73 to 78 Months
▼
APR8.62%
Term73 to 78 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.625% - 8.875%. Model Years: 2022 or newer; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.63% → 8.63% ▼ 0.00 pts · high 8.88% / low 8.63%
8.13%8.75%9.38%Sep 14, 2026: 8.63% APROct 5, 2026: 8.88% APROct 9, 2026: 8.63% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.63%▼ from 8.88%
  • Oct 5, 20268.88%▲ from 8.63%
  • Sep 14, 20268.63%first recorded
Rio Blanco Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New and Used Vehicles Loan
8.75%
79 to 84 Months
▼
APR8.75%
Term79 to 84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 8.75% - 9.00%. Model Years: 2023, 2024, 2025, or 2026; 20% - Equity - 0%

Rate History
2 changes since Sep 14, 2026 · 8.75% → 8.75% ▼ 0.00 pts · high 9.00% / low 8.75%
8.25%8.88%9.50%Sep 14, 2026: 8.75% APROct 5, 2026: 9.00% APROct 9, 2026: 8.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20268.75%▼ from 9.00%
  • Oct 5, 20269.00%▲ from 8.75%
  • Sep 14, 20268.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
11.25%
60 Months
▼
APR11.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 11.25% ▼ 0.50 pts · high 11.75% / low 11.25%
10.75%11.50%12.25%Sep 14, 2026: 11.75% APROct 9, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202611.25%▼ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
11.75%
60 Months
▼
APR11.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
11.75%
72 Months
▼
APR11.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 C

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 4 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
12.25%
72 Months
▼
APR12.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 C

Rate History
1 change since Sep 14, 2026 · 11.75% → 12.25% ▲ 0.50 pts · high 12.25% / low 11.75%
11.25%12.00%12.75%Sep 14, 2026: 11.75% APROct 9, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202612.25%▲ from 11.75%
  • Sep 14, 202611.75%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
12.25%
60 Months
▼
APR12.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 C Credit Tier

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 7 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
12.75%
72 Months
▼
APR12.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 C Credit Tier

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 7 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
16.00%
60 Months
▼
APR16.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 16.00% ▼ 0.50 pts · high 16.50% / low 16.00%
15.50%16.25%17.00%Sep 14, 2026: 16.50% APROct 9, 2026: 16.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202616.00%▼ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 60 Months
16.50%
60 Months
▼
APR16.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
16.50%
72 Months
▼
APR16.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2026-2024; Credit Tier: Max 100%1 D

Rate History
No change since Sep 14, 2026 · 16.50% APR · checked 4 times
16.00%16.50%17.00%Sep 14, 2026: 16.50% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New and Used Auto - 72 Months
17.00%
72 Months
▼
APR17.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Year: 2023-2021; Credit Tier: Max 100%1 D

Rate History
1 change since Sep 14, 2026 · 16.50% → 17.00% ▲ 0.50 pts · high 17.00% / low 16.50%
16.00%16.75%17.50%Sep 14, 2026: 16.50% APROct 9, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 202617.00%▲ from 16.50%
  • Sep 14, 202616.50%first recorded
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
17.00%
60 Months
▼
APR17.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 D Credit Tier

Rate History
No change since Sep 14, 2026 · 17.00% APR · checked 7 times
16.50%17.00%17.50%Sep 14, 2026: 17.00% APRSep 14, 2026Oct 13, 2026
San Juan Mountains Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Auto
17.50%
72 Months
▼
APR17.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Max 100%1 D Credit Tier

Rate History
No change since Sep 14, 2026 · 17.50% APR · checked 7 times
17.00%17.50%18.00%Sep 14, 2026: 17.50% APRSep 14, 2026Oct 13, 2026

Sheridan, CO Auto Loan Rate Trends

Compare local Sheridan, CO 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 Colorado Auto Trends
New Auto Loan CO Avg
5.279%
▼ 0.035 vs 7 days ago

Colorado new auto rates fell 0.035 points over the past 7 days to 5.279% APR.

Used Auto Loan CO Avg
5.663%
▲ 0.036 vs 7 days ago

Colorado used auto rates rose 0.036 points over the past 7 days to 5.663% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Sheridan, CO Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Colorado figures.

Current New Auto Avg
5.28%
APR, as of Oct 13, 2026
6-Month Forecast
5.36%
Fed hold assumed
12-Month Forecast
5.43%
Range: 5.08% to 5.63%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Colorado APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.28% APR
CO average
Used Auto @ 5.66% APR
CO average
Monthly Difference
$15,000 $284.99/mo $287.65/mo $2.66/mo
$25,000 $474.98/mo $479.41/mo $4.43/mo
$35,000 $664.97/mo $671.18/mo $6.21/mo
$45,000 $854.96/mo $862.94/mo $7.98/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Sheridan, Colorado

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Sheridan, Colorado locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Colorado. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Sheridan, Colorado Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$45,043
Median Individual Earnings
National avg: $47,340
14.5%
Unemployment Rate
National avg: 4.8%
14.0%
Poverty Rate
National avg: 11.1%
$570/mo
Payment on a $30K / 60-mo Loan
At CO new-auto avg 5.28% APR

A $570 monthly car payment works out to roughly 15.2% of the median individual income in Sheridan, Colorado. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Sheridan, Colorado, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Sheridan, Colorado. We’ve prefilled the APR with today’s CO new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sheridan, Colorado 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 for Sheridan, Colorado 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.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Sheridan, Colorado. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CO.

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.

Bad Credit Auto Loans in Sheridan, Colorado

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans

Frequently Asked Questions about Auto Loans in Sheridan, Colorado

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

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Sheridan, Colorado 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 Colorado *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 Sheridan, Colorado 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.

Should I get preapproved for an auto loan before visiting a dealer in Sheridan, Colorado?

Yes. A preapproval from a bank or credit union serving Sheridan, Colorado gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Sheridan, Colorado can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Sheridan, Colorado?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Sheridan, Colorado?

Based on our current data, some of the lowest auto loan rates available in Sheridan, Colorado include:
  • Electrical Federal Credit Union: 3.74% (New/Used Auto Purchase)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
  • Sunward: 4.18% (New & Used Vehicle Loan)
  • Northrop Grumman Federal Credit Union: 4.24% (New Auto)
  • San Juan Mountains Credit Union: 4.25% (New and Used Auto - 60 Months)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Sheridan, Colorado. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 12, 2026

Sheridan, Colorado Rates & Resources