Auto Loan Rates in Middletown, Delaware (DE) for May 2026
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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 Middletown, Delaware. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Middletown, Delaware include edU Federal Credit UnionedU Federal Credit Union120 Silver Lake Rd, Middletown, DE, 19709A5.0 ★Texas Ratio: 8.99% offering Used Vehicle at 5.25%, Dexsta Federal Credit UnionDexsta Federal Credit Union110 Sandhill Dr, Middletown, DE, 19709 5806A5.0 ★Texas Ratio: 8.79% offering Auto Loan at 9.99%, Franklin Mint Federal Credit UnionFranklin Mint Federal Credit UnionA5.0 ★Texas Ratio: 7.37% offering Auto Loans - 2023-2026 MODEL YEAR at 4.99%, 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%. Auto loan rates as of April 25, 2026 according to verified data from MonitorBankRates.
Middletown has 2 local institutions in our database, with auto loan rates as low as 5.25% APR from edU Federal Credit Union at 120 Silver Lake Rd, Middletown, DE, 19709. 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 Middletown, Delaware. Auto Loan Rates Last Updated and Verified: April 25, 2026
Compare Auto Loan Rates Today in Middletown, Delaware & Surrounding Area
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%
120 Silver Lake Rd, Middletown, DE, 19709
Used Vehicle
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 25, 2026
Details
100% NADA Retail Value; 5.25% to 15.25%
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
110 Sandhill Dr, Middletown, DE, 19709 5806
Auto Loan
9.99%
Up to 36
▼
APR9.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
110 Sandhill Dr, Middletown, DE, 19709 5806
Auto Loan
10.99%
37-60
▼
APR10.99%
Term37-60
Last UpdatedApr 17, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
110 Sandhill Dr, Middletown, DE, 19709 5806
Auto Loan
12.99%
61-72
▼
APR12.99%
Term61-72
Last UpdatedApr 17, 2026
Details
Dexsta Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.79%
110 Sandhill Dr, Middletown, DE, 19709 5806
Auto Loan
13.99%
73-84
▼
APR13.99%
Term73-84
Last UpdatedApr 17, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans - 2023-2026 MODEL YEAR
4.99%
2026 Mo
▼
APR4.99%
Term2026 Mo
Last UpdatedApr 18, 2026
Details
Franklin Mint Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Auto Loans - 2023-2026 MODEL YEAR
5.49%
2026 Mo
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR9.24%
Term1-54 Months
Last UpdatedApr 18, 2026
Details
Powered by
MonitorBankRates
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR8.00%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
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%
120 Silver Lake Rd, Middletown, DE, 19709
Used Vehicle
5.25%
60 Months
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR9.24%
Term1-54 Months
Last UpdatedApr 18, 2026
Details
Powered by
MonitorBankRates
Middletown, DE Auto Loan Rate Trends
Compare local Middletown, 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.
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 Middletown, 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 Middletown, 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 Middletown, 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 Middletown, Delaware?
Based on our current data, some of the lowest auto loan rates available in Middletown, Delaware include:
- edU Federal Credit Union: 5.25% (Used Vehicle)
- Dexsta Federal Credit Union: 9.99% (Auto Loan)
- Franklin Mint Federal Credit Union: 4.99% (Auto Loans - 2023-2026 MODEL YEAR)
- Eagle One Federal Credit Union: 5.75% (New/Used Auto)
- Priority Plus Federal Credit Union: 5.99% (New Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Middletown, Delaware. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 25, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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