MonitorBankRates
☰
  1. Home
  2. ›
  3. Auto Loans
  4. ›
  5. Delaware
  6. ›
  7. Lincoln
  8. iAdvertiser Disclosure
    Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Auto Loan Rates in Lincoln, Delaware (DE) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Lincoln, Delaware. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 25, 2026

Current auto loan rates in Lincoln, Delaware include Franklin Mint Federal Credit UnionFranklin Mint Federal Credit UnionA5.0 ★Texas Ratio: 7.37% offering Auto Loans - 2023-2026 MODEL YEAR at 4.99%, edU Federal Credit UnionedU Federal Credit UnionA5.0 ★Texas Ratio: 8.99% offering Used Vehicle at 5.25%, Eagle One Federal Credit UnionEagle One Federal Credit UnionA5.0 ★Texas Ratio: 13.26% offering New/Used Auto at 5.75%, Priority Plus Federal Credit UnionPriority Plus Federal Credit UnionA+5.0 ★Texas Ratio: 2.58% offering New Vehicle Loan at 5.99%, Dexsta Federal Credit UnionDexsta Federal Credit UnionA5.0 ★Texas Ratio: 8.79% offering Auto Loan at 9.99%. Auto loan rates as of April 25, 2026 according to verified data from MonitorBankRates.

Lincoln borrowers have access to 5 lenders serving the Delaware area, with auto loan rates as low as 4.99% APR from Franklin Mint Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, Delaware. Auto Loan Rates Last Updated and Verified: April 25, 2026

Compare Auto Loan Rates Today in Lincoln, Delaware & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
View
▼
APR4.99%
Term2026 Mo
Last UpdatedApr 18, 2026
Details

edU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Used Vehicle
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedApr 25, 2026
Details

100% NADA Retail Value; 5.25% to 15.25%

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans - 2023-2026 MODEL YEAR
5.49%
2026 Mo
View
▼
APR5.49%
Term2026 Mo
Last UpdatedApr 18, 2026
Details

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicle Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details

As low as Automatic Payments Discount

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2023 - 2026 Auto Loan
5.99%
1-72
View
▼
APR5.99%
Term1-72
Last UpdatedApr 18, 2026
Details

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans - 2021-2022 MODEL YEAR
5.99%
2022 Mo
View
▼
APR5.99%
Term2022 Mo
Last UpdatedApr 18, 2026
Details

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Checking Account.

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Auto
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Checking Account.

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
2023 - 2026 Auto Loan
6.49%
73-84
View
▼
APR6.49%
Term73-84
Last UpdatedApr 18, 2026
Details

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Auto
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Auto
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Auto (Model years 5 to 6 years back)
7.49%
60 Months
View
▼
APR7.49%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Checking Account.

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Auto (Model years 5 to 6 years back)
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
8.00%
84 Months
View
▼
APR8.00%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Used Auto Loan Model Years: 2019 - 2020
8.24%
1-60 MONTHS
View
▼
APR8.24%
Term1-60 MONTHS
Last UpdatedApr 18, 2026
Details

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Used Auto Loan
9.24%
1-54 Months
View
▼
APR9.24%
Term1-54 Months
Last UpdatedApr 18, 2026
Details

Dexsta Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
Auto Loan
9.99%
Up to 36
View
▼
APR9.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details

Dexsta Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
Auto Loan
10.99%
37-60
View
▼
APR10.99%
Term37-60
Last UpdatedApr 17, 2026
Details

Dexsta Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
Auto Loan
12.99%
61-72
View
▼
APR12.99%
Term61-72
Last UpdatedApr 17, 2026
Details

Dexsta Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
Auto Loan
13.99%
73-84
View
▼
APR13.99%
Term73-84
Last UpdatedApr 17, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicle Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details

As low as Automatic Payments Discount

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Checking Account.

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Auto
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
8.00%
84 Months
View
▼
APR8.00%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
edU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Used Vehicle
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedApr 25, 2026
Details

100% NADA Retail Value; 5.25% to 15.25%

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Auto
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Checking Account.

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Auto
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Auto (Model years 5 to 6 years back)
7.49%
60 Months
View
▼
APR7.49%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As; To qualify for reduced rate, Automatic Payment must be scheduled from a Priority Plus FCU Checking Account.

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
7.75%
72 Months
View
▼
APR7.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Auto (Model years 5 to 6 years back)
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Eagle One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.26%
New/Used Auto
8.00%
84 Months
View
▼
APR8.00%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Used Auto Loan Model Years: 2019 - 2020
8.24%
1-60 MONTHS
View
▼
APR8.24%
Term1-60 MONTHS
Last UpdatedApr 18, 2026
Details

Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Used Auto Loan
9.24%
1-54 Months
View
▼
APR9.24%
Term1-54 Months
Last UpdatedApr 18, 2026
Details

Lincoln, DE Auto Loan Rate Trends

Compare local Lincoln, DE 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 Delaware Auto Trends →
New Auto Loan — DE Avg
5.632%
▲ 0.006 vs 7 days ago

Delaware new auto rates rose 0.006 points over the past 7 days to 5.632% APR.

Used Auto Loan — DE Avg
8.798%
Unchanged vs 7 days ago

Delaware used auto loan rates currently average 8.798% APR.

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

Frequently Asked Questions about Auto Loans in Lincoln, Delaware

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

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Lincoln, Delaware 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 Delaware *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 Lincoln, Delaware typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

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

What are the best Auto Loan rates in Lincoln, Delaware?

Based on our current data, some of the lowest auto loan rates available in Lincoln, Delaware include:
  • Franklin Mint Federal Credit Union: 4.99% (Auto Loans - 2023-2026 MODEL YEAR)
  • edU Federal Credit Union: 5.25% (Used Vehicle)
  • Eagle One Federal Credit Union: 5.75% (New/Used Auto)
  • Priority Plus Federal Credit Union: 5.99% (New Vehicle Loan)
  • Dexsta Federal Credit Union: 9.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lincoln, Delaware. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 25, 2026

Lincoln, Delaware Rates & Resources

$
Lincoln, Delaware CD Rates
$
Lincoln, Delaware Savings Rates
$
Lincoln, Delaware Money Market Rates
$
Lincoln, Delaware Mortgage Rates
$
Lincoln, Delaware Checking Account Rates
$
Lincoln, Delaware Personal Loan Rates