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  9. Auto Loan Rate Trends

Arimo, Idaho Best Auto Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Arimo, Idaho. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Arimo, Idaho auto loan rates from lenders serving Idaho range from 3.79% to 9.49% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Arimo, Idaho include Responders Emergency Services Credit UnionResponders Emergency Services Credit UnionA+5.0 ★Texas Ratio: 0.03% offering New & Used Automobiles at 3.79%, CUTTING EDGECUTTING EDGEA+5.0 ★Texas Ratio: 0.91% offering New Auto at 3.99%, Pioneer Federal Credit UnionPioneer Federal Credit UnionA5.0 ★Texas Ratio: 7.01% offering New and Used Vehicles Loan at 4.24%, Lewis Clark Credit UnionLewis Clark Credit UnionA+5.0 ★Texas Ratio: 4.24% offering Autos at 4.25%, Rails West Federal Credit UnionRails West Federal Credit UnionA+5.0 ★Texas Ratio: 1.13% offering New Auto Loan at 4.34%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Arimo borrowers have access to 26 lenders serving the Idaho area, with auto loan rates as low as 3.79% APR from Responders Emergency Services 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 Arimo, Idaho. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Arimo, Idaho & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Arimo Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles
3.79%
48 months
View
▼
APR3.79%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 years or newer model years.

Rate History
1 change since Sep 14, 2026 · 3.99% → 3.79% ▼ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.99% APROct 10, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.79%▼ from 3.99%
  • Sep 14, 20263.99%first recorded
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles and Street Motorcycles
3.99%
72 months
View
▼
APR3.99%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 model years or newer.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
New Auto
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99 to 15.99%.

Rate History
1 change since Sep 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Sep 14, 2026: 4.99% APRSep 22, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.99%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
CUTTING EDGE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Used Auto
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99 to 16.24%.

Rate History
1 change since Sep 14, 2026 · 5.24% → 3.99% ▼ 1.25 pts · high 5.24% / low 3.99%
2.74%4.62%6.49%Sep 14, 2026: 5.24% APRSep 22, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.99%▼ from 5.24%
  • Sep 14, 20265.24%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
4.24%
Up to 36 Months
View
▼
APR4.24%
Interest Rate4.24%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 20, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.34%
36 Months
View
▼
APR4.34%
Term36 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.34% APR · checked 2 times
3.84%4.34%4.84%Oct 8, 2026: 4.34% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.34%
36 Months
View
▼
APR4.34%
Term36 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.34% APR · checked 2 times
3.84%4.34%4.84%Oct 8, 2026: 4.34% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.44%
36 Months
View
▼
APR4.44%
Term36 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 4.44% APR · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APROct 8, 2026Oct 13, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
4.44%
37 - 48 Months
View
▼
APR4.44%
Interest Rate4.44%
Term37 - 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 4.44% APR · checked 4 times
3.94%4.44%4.94%Sep 20, 2026: 4.44% APRSep 20, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.64%
48 Months
View
▼
APR4.64%
Term48 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.64% APR · checked 2 times
4.14%4.64%5.14%Oct 8, 2026: 4.64% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.64%
48 Months
View
▼
APR4.64%
Term48 Months
Last UpdatedOct 12, 2026
Details

up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.64% APR · checked 2 times
4.14%4.64%5.14%Oct 8, 2026: 4.64% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Oct 8, 2026: 4.74% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Oct 8, 2026: 4.74% APROct 8, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 36 Month
4.74%
36 Month
View
▼
APR4.74%
Term36 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 10, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 48 Month
4.74%
48 Month
View
▼
APR4.74%
Term48 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 10, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 60 Month
4.74%
60 Month
View
▼
APR4.74%
Term60 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 10, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
New Vehicles Loan
4.75%
36 to 84 months
View
▼
APR4.75%
Term36 to 84 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
Used Vehicles Loan
4.75%
36 to 72 months
View
▼
APR4.75%
Term36 to 72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.94%
60 Months
View
▼
APR4.94%
Term60 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.94% APR · checked 2 times
4.44%4.94%5.44%Oct 8, 2026: 4.94% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.94%
72 Months
View
▼
APR4.94%
Term72 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.94% APR · checked 2 times
4.44%4.94%5.44%Oct 8, 2026: 4.94% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.94%
60 Months
View
▼
APR4.94%
Term60 Months
Last UpdatedOct 12, 2026
Details

up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.94% APR · checked 2 times
4.44%4.94%5.44%Oct 8, 2026: 4.94% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.94%
72 Months
View
▼
APR4.94%
Term72 Months
Last UpdatedOct 12, 2026
Details

up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.94% APR · checked 2 times
4.44%4.94%5.44%Oct 8, 2026: 4.94% APROct 8, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan - 36 Months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedOct 13, 2026
Details

Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Auto Loans
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.99% - 15.24%. Fixed APR; $50 document preparation fee required; APR reflects discounts up to 0.50%

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Older (2022 and Older) Auto Loans
4.99%
36 Month
View
▼
APR4.99%
Term36 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 22, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 22, 2026: 4.74% APROct 10, 2026: 4.99% APRSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.99%▲ from 4.74%
  • Sep 22, 20264.74%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Older (2022 and Older) Auto Loans
4.99%
48 Month
View
▼
APR4.99%
Term48 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 22, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 22, 2026: 4.74% APROct 10, 2026: 4.99% APRSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.99%▲ from 4.74%
  • Sep 22, 20264.74%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Auto Loan
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99% to 25.50%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.99% ▲ 0.24 pts · high 4.99% / low 4.75%
4.25%4.87%5.49%Sep 14, 2026: 4.75% APROct 10, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.99%▲ from 4.75%
  • Sep 14, 20264.75%first recorded
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.00%
24 months
View
▼
APR5.00%
Term24 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.00%
24 months
View
▼
APR5.00%
Term24 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.04% APR · checked 2 times
4.54%5.04%5.54%Oct 8, 2026: 5.04% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
5.04%
72 Months
View
▼
APR5.04%
Term72 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.04% APR · checked 2 times
4.54%5.04%5.54%Oct 8, 2026: 5.04% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.04% APR · checked 2 times
4.54%5.04%5.54%Oct 8, 2026: 5.04% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
5.04%
72 Months
View
▼
APR5.04%
Term72 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.04% APR · checked 2 times
4.54%5.04%5.54%Oct 8, 2026: 5.04% APROct 8, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Auto Loan
5.15%
60 Month
View
▼
APR5.15%
Term60 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.85% → 5.15% ▲ 0.30 pts · high 5.15% / low 4.85%
4.35%5.00%5.65%Sep 14, 2026: 4.85% APRSep 27, 2026: 5.15% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.15%▲ from 4.85%
  • Sep 14, 20264.85%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Auto (7 years old or newer)
5.24%
Up to 60 months
View
▼
APR5.24%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Term: Up to 60 months (700+ score); Requires 700+ credit score

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 12, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20265.24%▲ from 4.99%
  • Sep 20, 20264.99%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
Auto loans
5.24%
60 months (5 years)
View
▼
APR5.24%
Term60 months (5 years)
Last UpdatedOct 13, 2026
Details

Includes cars, pickup trucks, SUVs, etc.

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan - 60 Months
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 13, 2026
Details

Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions

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 5, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 8 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2022 and Newer Auto Loan
5.24%
Up to 60 Months
View
▼
APR5.24%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto Loan
5.24%
12 - 66 months
View
▼
APR5.24%
Term12 - 66 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.24% - 14.74%. Minimum Loan Amount: 5,000

Rate History
No change since Oct 10, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 10, 2026: 5.24% APROct 10, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 72 Month
5.24%
72 Month
View
▼
APR5.24%
Term72 Month
Last UpdatedOct 10, 2026
Details

As Low As

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
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Older (2022 and Older) Auto Loans
5.24%
60 Month
View
▼
APR5.24%
Term60 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 22, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 22, 2026: 4.99% APROct 10, 2026: 5.24% APRSep 22, 2026Oct 13, 2026
  • Oct 10, 20265.24%▲ from 4.99%
  • Sep 22, 20264.99%first recorded
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 10, 2026: 5.25% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 10, 2026: 5.25% APROct 10, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Auto Loan
5.25%
Up to 60 months
View
▼
APR5.25%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.25% to 25.50%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99%
4.49%5.12%5.75%Sep 14, 2026: 4.99% APROct 10, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.25%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
5.25%
Up to 36 months
View
▼
APR5.25%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.25% to 25.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99%
4.49%5.12%5.75%Sep 14, 2026: 4.99% APROct 10, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.25%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
5.34%
84 Months
View
▼
APR5.34%
Term84 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 5.34% APR · checked 2 times
4.84%5.34%5.84%Oct 8, 2026: 5.34% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
5.34%
84 Months
View
▼
APR5.34%
Term84 Months
Last UpdatedOct 12, 2026
Details

up to 90% financing

Rate History
No change since Oct 8, 2026 · 5.34% APR · checked 2 times
4.84%5.34%5.84%Oct 8, 2026: 5.34% APROct 8, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.35%
72 months
View
▼
APR5.35%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 10, 2026: 5.35% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.35%
72 months
View
▼
APR5.35%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 10, 2026: 5.35% APROct 10, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.44% APR · checked 2 times
4.94%5.44%5.94%Oct 8, 2026: 5.44% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.44% APR · checked 2 times
4.94%5.44%5.94%Oct 8, 2026: 5.44% APROct 8, 2026Oct 13, 2026
Potlatch No 1 Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Auto Loan
5.45%
72 Month
View
▼
APR5.45%
Term72 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.10% → 5.45% ▲ 0.35 pts · high 5.45% / low 5.10%
4.60%5.28%5.95%Sep 14, 2026: 5.10% APRSep 27, 2026: 5.45% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.45%▲ from 5.10%
  • Sep 14, 20265.10%first recorded
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
View
▼
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
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Auto (7 years old or newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedOct 12, 2026
Details

Rate History
1 change since Sep 20, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 20, 2026: 5.24% APROct 12, 2026: 5.49% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20265.49%▲ from 5.24%
  • Sep 20, 20265.24%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
Auto loans
5.49%
72 months (6 years)
View
▼
APR5.49%
Term72 months (6 years)
Last UpdatedOct 13, 2026
Details

Includes cars, pickup trucks, SUVs, etc.

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan - 72 Months
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 13, 2026
Details

Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APROct 5, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2022 and Newer Auto Loan
5.49%
61 to 72 Months
View
▼
APR5.49%
Term61 to 72 Months
Last UpdatedOct 10, 2026
Details

over $10,000

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Clarity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loan
5.49%
201 months
View
▼
APR5.49%
Interest Rate5.49%
Term201 months
Last UpdatedOct 10, 2026
Details

Term: 2017 - 2026 / with less than 150,000 miles

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto Loan
5.49%
67 - 72 months
View
▼
APR5.49%
Term67 - 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 14.99%. Minimum Loan Amount: 15,000

Rate History
No change since Oct 10, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Older (2022 and Older) Auto Loans
5.49%
72 Month
View
▼
APR5.49%
Term72 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 22, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 22, 2026: 5.24% APROct 10, 2026: 5.49% APRSep 22, 2026Oct 13, 2026
  • Oct 10, 20265.49%▲ from 5.24%
  • Sep 22, 20265.24%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
5.50%
Up to 60 months
View
▼
APR5.50%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.50% to 25.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.25% APROct 10, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.50%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
5.64%
49 - 60 Months
View
▼
APR5.64%
Interest Rate5.64%
Term49 - 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 5.64% APR · checked 4 times
5.14%5.64%6.14%Sep 20, 2026: 5.64% APRSep 20, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
View
▼
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
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
5.69%
48 months
View
▼
APR5.69%
Interest Rate5.69%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 5.54% → 5.69% ▲ 0.15 pts · high 5.69% / low 5.54%
5.04%5.62%6.19%Sep 18, 2026: 5.54% APROct 9, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.69%▲ from 5.54%
  • Sep 18, 20265.54%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan - 48 months
5.69%
48 months
View
▼
APR5.69%
Interest Rate5.69%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 5.54% → 5.69% ▲ 0.15 pts · high 5.69% / low 5.54%
5.04%5.62%6.19%Sep 14, 2026: 5.54% APROct 13, 2026: 5.69% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.69%▲ from 5.54%
  • Sep 14, 20265.54%first recorded
Frontier Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Auto Loans
5.74%
Up to 84 months
View
▼
APR5.74%
TermUp to 84 months
Last UpdatedSep 30, 2026
Details

Published APR range: 5.74% - 12.19%. 2022 & Newer

Rate History
No change since Sep 30, 2026 · 5.74% APR
5.24%5.74%6.24%Sep 30, 2026: 5.74% APRSep 30, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 84 Month
5.74%
84 Month
View
▼
APR5.74%
Term84 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APROct 10, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Auto Loans
5.75%
36 months
View
▼
APR5.75%
Term36 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 5.75% APR · checked 3 times
5.25%5.75%6.25%Oct 2, 2026: 5.75% APROct 2, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.75%
84 months
View
▼
APR5.75%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 10, 2026: 5.75% APROct 10, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Auto Loan
5.75%
Up to 72 months
View
▼
APR5.75%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.75% to 25.55%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.50% APROct 10, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.75%▲ from 5.50%
  • Sep 14, 20265.50%first recorded
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
Used Vehicles - over 10 years Loan
5.75%
36 to 72 months
View
▼
APR5.75%
Term36 to 72 months
Last UpdatedOct 10, 2026
Details

As low as

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
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
5.84%
61 - 72 Months
View
▼
APR5.84%
Interest Rate5.84%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 5.84% APR · checked 4 times
5.34%5.84%6.34%Sep 20, 2026: 5.84% APRSep 20, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
5.94%
60 months
View
▼
APR5.94%
Interest Rate5.94%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 5.79% → 5.94% ▲ 0.15 pts · high 5.94% / low 5.79%
5.29%5.87%6.44%Sep 18, 2026: 5.79% APROct 9, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.94%▲ from 5.79%
  • Sep 18, 20265.79%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan - 60 months
5.94%
60 months
View
▼
APR5.94%
Interest Rate5.94%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 5.79% → 5.94% ▲ 0.15 pts · high 5.94% / low 5.79%
5.29%5.87%6.44%Sep 14, 2026: 5.79% APROct 13, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.94%▲ from 5.79%
  • Sep 14, 20265.79%first recorded
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

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
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2018-2021 Auto Loan
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 18, 2026: 5.99% APRSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto Loan
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 15.49%. Minimum Loan Amount: 25,000

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Older (2022 and Older) Auto Loans
5.99%
84 Month
View
▼
APR5.99%
Term84 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 22, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 22, 2026: 5.74% APROct 10, 2026: 5.99% APRSep 22, 2026Oct 13, 2026
  • Oct 10, 20265.99%▲ from 5.74%
  • Sep 22, 20265.74%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Auto Loans
6.00%
48 months
View
▼
APR6.00%
Term48 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Oct 2, 2026: 6.00% APROct 2, 2026Oct 13, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
6.04%
73 - 84 Months
View
▼
APR6.04%
Interest Rate6.04%
Term73 - 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 6.04% APR · checked 4 times
5.54%6.04%6.54%Sep 20, 2026: 6.04% APRSep 20, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
36 months
View
▼
APR6.14%
Term36 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
48 months
View
▼
APR6.14%
Term48 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
60 months
View
▼
APR6.14%
Term60 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car purchase Loan
6.24%
60 months
View
▼
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
View
▼
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
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Auto (7 years old or newer)
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
1 change since Sep 20, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 20, 2026: 5.99% APROct 12, 2026: 6.24% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20266.24%▲ from 5.99%
  • Sep 20, 20265.99%first recorded
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Auto Loan - 84 Months
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedOct 13, 2026
Details

Advertised APR includes 0.25% loan rate discount with Reward Yourself Checking; best rates on new/used vehicle purchases and refinanced loans from other institutions

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APROct 5, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan
6.24%
72 months
View
▼
APR6.24%
Interest Rate6.24%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09%
5.59%6.17%6.74%Sep 18, 2026: 6.09% APROct 9, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20266.24%▲ from 6.09%
  • Sep 18, 20266.09%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
Auto Loan - 72 months
6.24%
72 months
View
▼
APR6.24%
Interest Rate6.24%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09%
5.59%6.17%6.74%Sep 14, 2026: 6.09% APROct 13, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.24%▲ from 6.09%
  • Sep 14, 20266.09%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2018-2021 Auto Loan
6.24%
61 to 72 Months
View
▼
APR6.24%
Term61 to 72 Months
Last UpdatedOct 10, 2026
Details

over $10,000

Rate History
No change since Sep 18, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 18, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2022 and Newer Auto Loan
6.24%
73 to 84 Months
View
▼
APR6.24%
Term73 to 84 Months
Last UpdatedOct 10, 2026
Details

over $20,000

Rate History
No change since Sep 18, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 18, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 96 Month
6.24%
96 Month
View
▼
APR6.24%
Term96 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APROct 10, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Auto Loans
6.25%
60 months
View
▼
APR6.25%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Oct 2, 2026: 6.25% APROct 2, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 3 years or newer Loan
6.25%
36 months
View
▼
APR6.25%
Term36 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Oct 2, 2026: 6.25% APROct 2, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Auto Loan
6.25%
Up to 84 months
View
▼
APR6.25%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 6.25% to 25.50%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99%
5.49%6.12%6.75%Sep 14, 2026: 5.99% APROct 10, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.25%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
6.25%
Up to 72 months
View
▼
APR6.25%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 6.25% to 26.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99%
5.49%6.12%6.75%Sep 14, 2026: 5.99% APROct 10, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.25%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
6.25%
Up to 36 months
View
▼
APR6.25%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 6.25% to 26.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99%
5.49%6.12%6.75%Sep 14, 2026: 5.99% APROct 10, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.25%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car purchase Loan
6.29%
60 months
View
▼
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
View
▼
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
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.37%
72 months
View
▼
APR6.37%
Term72 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.37% ▲ 0.63 pts · high 6.37% / low 5.74%
5.11%6.06%7.00%Sep 18, 2026: 5.74% APROct 10, 2026: 6.37% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.37%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.39%
36 months
View
▼
APR6.39%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2015 - 2019

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 18, 2026: 5.99% APROct 10, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.39%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.39%
48 months
View
▼
APR6.39%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2015 - 2019

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 18, 2026: 5.99% APROct 10, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.39%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.39%
60 months
View
▼
APR6.39%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2015 - 2019

Rate History
2 changes since Sep 14, 2026 · 7.24% → 6.39% ▼ 0.85 pts · high 7.24% / low 5.99%
4.74%6.62%8.49%Sep 14, 2026: 7.24% APRSep 18, 2026: 5.99% APROct 10, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.39%▲ from 5.99%
  • Sep 18, 20265.99%▼ from 7.24%
  • Sep 14, 20267.24%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Auto Loans
6.50%
72 months
View
▼
APR6.50%
Term72 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Oct 2, 2026: 6.50% APROct 2, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 3 years or newer Loan
6.50%
48 months
View
▼
APR6.50%
Term48 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Oct 2, 2026: 6.50% APROct 2, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
6.50%
Up to 60 months
View
▼
APR6.50%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 6.50% to 26.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
5.75%6.38%7.00%Sep 14, 2026: 6.25% APROct 10, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.50%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.62%
72 months
View
▼
APR6.62%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2015 - 2019

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.62% ▲ 0.63 pts · high 6.62% / low 5.99%
5.36%6.31%7.25%Sep 18, 2026: 5.99% APROct 10, 2026: 6.62% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.62%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.24%
Auto Loan
6.74%
60 month
View
▼
APR6.74%
Term60 month
Last UpdatedOct 12, 2026
Details

As Low As; Annual Percentage Rate (APR) includes 0.25% discount for top tier credit scores and qualifying Ridgeline Rewards or Compass Cash Back autopay members; No Untitled Vehicles: new vehicle rates apply only to vehicles titled for the first time; Rates quoted are for top tier FICO scores

Rate History
No change since Sep 12, 2026 · 6.74% APR · checked 4 times
6.24%6.74%7.24%Sep 12, 2026: 6.74% APRSep 12, 2026Oct 13, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Used Auto
6.74%
Up to 60 months
View
▼
APR6.74%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

700+ score; Used Auto (7 years old or older)

Rate History
1 change since Sep 18, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
5.99%6.62%7.24%Sep 18, 2026: 6.49% APROct 12, 2026: 6.74% APRSep 18, 2026Oct 13, 2026
  • Oct 12, 20266.74%▲ from 6.49%
  • Sep 18, 20266.49%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: $15,000+

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.74% ▲ 0.75 pts · high 6.74% / low 5.99%
5.24%6.37%7.49%Sep 18, 2026: 5.99% APROct 10, 2026: 6.74% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.74%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Auto Loans
6.75%
84 months
View
▼
APR6.75%
Term84 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.75% APR · checked 3 times
6.25%6.75%7.25%Oct 2, 2026: 6.75% APROct 2, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 3 years or newer Loan
6.75%
60 months
View
▼
APR6.75%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.75% APR · checked 3 times
6.25%6.75%7.25%Oct 2, 2026: 6.75% APROct 2, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 4-7 years Loan
6.75%
36 months
View
▼
APR6.75%
Term36 months
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25%
5.75%6.50%7.25%Sep 15, 2026: 6.25% APROct 2, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20266.75%▲ from 6.25%
  • Sep 15, 20266.25%first recorded
Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.24%
Auto Loan
6.99%
72 month
View
▼
APR6.99%
Term72 month
Last UpdatedOct 12, 2026
Details

As Low As; Annual Percentage Rate (APR) includes 0.25% discount for top tier credit scores and qualifying Ridgeline Rewards or Compass Cash Back autopay members; No Untitled Vehicles: new vehicle rates apply only to vehicles titled for the first time; Rates quoted are for top tier FICO scores

Rate History
No change since Sep 12, 2026 · 6.99% APR · checked 4 times
6.49%6.99%7.49%Sep 12, 2026: 6.99% APRSep 12, 2026Oct 13, 2026
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2018-2021 Auto Loan
6.99%
73 to 84 Months
View
▼
APR6.99%
Term73 to 84 Months
Last UpdatedOct 10, 2026
Details

over $20,000

Rate History
No change since Sep 18, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 18, 2026: 6.99% APRSep 18, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.99%
84 months
View
▼
APR6.99%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Amount: $15,000+; Vehicle Age: 2015 - 2019

Rate History
1 change since Sep 14, 2026 · 6.24% → 6.99% ▲ 0.75 pts · high 6.99% / low 6.24%
5.49%6.62%7.74%Sep 14, 2026: 6.24% APROct 10, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.99%▲ from 6.24%
  • Sep 14, 20266.24%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 3 years or newer Loan
7.00%
72 months
View
▼
APR7.00%
Term72 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Oct 2, 2026: 7.00% APROct 2, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 4-7 years Loan
7.00%
48 months
View
▼
APR7.00%
Term48 months
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 15, 2026: 6.50% APROct 2, 2026: 7.00% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20267.00%▲ from 6.50%
  • Sep 15, 20266.50%first recorded
Frontier Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Auto Loans
7.05%
Up to 84 months
View
▼
APR7.05%
TermUp to 84 months
Last UpdatedSep 30, 2026
Details

Published APR range: 7.05% - 14.61%. 2017 - 2021

Rate History
No change since Sep 30, 2026 · 7.05% APR
6.55%7.05%7.55%Sep 30, 2026: 7.05% APRSep 30, 2026Oct 13, 2026
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Vehicle - 72-Month Loan
7.22%
72-Month
View
▼
APR7.22%
Interest Rate6.97%
Term72-Month
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.78% → 7.22% ▲ 0.44 pts · high 7.22% / low 6.78%
6.28%7.00%7.72%Sep 15, 2026: 6.78% APROct 7, 2026: 7.22% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.22%▲ from 6.78%
  • Sep 15, 20266.78%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Vehicle Loan
7.22%
72-Month
View
▼
APR7.22%
Interest Rate6.97%
Term72-Month
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.78% → 7.22% ▲ 0.44 pts · high 7.22% / low 6.78%
6.28%7.00%7.72%Sep 15, 2026: 6.78% APROct 7, 2026: 7.22% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.22%▲ from 6.78%
  • Sep 15, 20266.78%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2011-2017 Auto Loan
7.24%
Up to 60 Months
View
▼
APR7.24%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 7.24% APR · checked 5 times
6.74%7.24%7.74%Sep 18, 2026: 7.24% APRSep 18, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 4-7 years Loan
7.25%
60 months
View
▼
APR7.25%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75%
6.25%7.00%7.75%Sep 15, 2026: 6.75% APROct 2, 2026: 7.25% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20267.25%▲ from 6.75%
  • Sep 15, 20266.75%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 8-11 years Loan
7.25%
36 months
View
▼
APR7.25%
Term36 months
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.75% → 7.25% ▲ 0.50 pts · high 7.25% / low 6.75%
6.25%7.00%7.75%Sep 15, 2026: 6.75% APROct 2, 2026: 7.25% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20267.25%▲ from 6.75%
  • Sep 15, 20266.75%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
7.25%
Up to 72 months
View
▼
APR7.25%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 7.25% to 26.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 6.99% → 7.25% ▲ 0.26 pts · high 7.25% / low 6.99%
6.49%7.12%7.75%Sep 14, 2026: 6.99% APROct 10, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.25%▲ from 6.99%
  • Sep 14, 20266.99%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Vehicle - 60-Month Loan
7.27%
60-Month
View
▼
APR7.27%
Interest Rate6.97%
Term60-Month
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.82% → 7.27% ▲ 0.45 pts · high 7.27% / low 6.82%
6.32%7.04%7.77%Sep 15, 2026: 6.82% APROct 7, 2026: 7.27% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.27%▲ from 6.82%
  • Sep 15, 20266.82%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Vehicle Loan
7.27%
60-Month
View
▼
APR7.27%
Interest Rate6.97%
Term60-Month
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.82% → 7.27% ▲ 0.45 pts · high 7.27% / low 6.82%
6.32%7.04%7.77%Sep 15, 2026: 6.82% APROct 7, 2026: 7.27% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.27%▲ from 6.82%
  • Sep 15, 20266.82%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Vehicle - 48-Month Loan
7.34%
48-Month
View
▼
APR7.34%
Interest Rate6.97%
Term48-Month
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.89% → 7.34% ▲ 0.44 pts · high 7.34% / low 6.89%
6.39%7.11%7.84%Sep 15, 2026: 6.89% APROct 7, 2026: 7.34% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.34%▲ from 6.89%
  • Sep 15, 20266.89%first recorded
First FSB of Twin Falls
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Vehicle Loan
7.34%
48-Month
View
▼
APR7.34%
Interest Rate6.97%
Term48-Month
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 6.89% → 7.34% ▲ 0.44 pts · high 7.34% / low 6.89%
6.39%7.11%7.84%Sep 15, 2026: 6.89% APROct 7, 2026: 7.34% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.34%▲ from 6.89%
  • Sep 15, 20266.89%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Auto (7 years old or newer)
7.34%
96 months
View
▼
APR7.34%
Term96 months
Last UpdatedOct 12, 2026
Details

96-month requires a 700+ credit score for a new or 2-year-old car

Rate History
1 change since Sep 25, 2026 · 7.09% → 7.34% ▲ 0.25 pts · high 7.34% / low 7.09%
6.59%7.22%7.84%Sep 25, 2026: 7.09% APROct 12, 2026: 7.34% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20267.34%▲ from 7.09%
  • Sep 25, 20267.09%first recorded
Clarity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loan
7.49%
201 months
View
▼
APR7.49%
Interest Rate7.49%
Term201 months
Last UpdatedOct 10, 2026
Details

Term: 2016 and older OR over 150,000 miles

Rate History
No change since Sep 18, 2026 · 7.49% APR · checked 5 times
6.99%7.49%7.99%Sep 18, 2026: 7.49% APRSep 18, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 8-11 years Loan
7.50%
48 months
View
▼
APR7.50%
Term48 months
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00%
6.50%7.25%8.00%Sep 15, 2026: 7.00% APROct 2, 2026: 7.50% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20267.50%▲ from 7.00%
  • Sep 15, 20267.00%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
7.64%
60 months
View
▼
APR7.64%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2014 & Older

Rate History
1 change since Sep 14, 2026 · 7.24% → 7.64% ▲ 0.40 pts · high 7.64% / low 7.24%
6.74%7.44%8.14%Sep 14, 2026: 7.24% APROct 10, 2026: 7.64% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.64%▲ from 7.24%
  • Sep 14, 20267.24%first recorded
Lookout Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.24%
Auto Loan
7.74%
84 months
View
▼
APR7.74%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Annual Percentage Rate (APR) includes 0.25% discount for top tier credit scores and qualifying Ridgeline Rewards or Compass Cash Back autopay members; No Untitled Vehicles: new vehicle rates apply only to vehicles titled for the first time; Rates quoted are for top tier FICO scores

Rate History
No change since Sep 12, 2026 · 7.74% APR · checked 4 times
7.24%7.74%8.24%Sep 12, 2026: 7.74% APRSep 12, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedOct 13, 2026
Details

$30,000; As Low As; Fixed; Rates for Utah; Minimum loan amount of $30,000 required

Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 8 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Oct 13, 2026
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2011-2017 Auto Loan
7.74%
61 to 72 Months
View
▼
APR7.74%
Term61 to 72 Months
Last UpdatedOct 10, 2026
Details

over $10,000

Rate History
No change since Sep 18, 2026 · 7.74% APR · checked 5 times
7.24%7.74%8.24%Sep 18, 2026: 7.74% APRSep 18, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 8-11 years Loan
7.75%
60 months
View
▼
APR7.75%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
1 change since Sep 15, 2026 · 7.25% → 7.75% ▲ 0.50 pts · high 7.75% / low 7.25%
6.75%7.50%8.25%Sep 15, 2026: 7.25% APROct 2, 2026: 7.75% APRSep 15, 2026Oct 13, 2026
  • Oct 2, 20267.75%▲ from 7.25%
  • Sep 15, 20267.25%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2011-2017 Auto Loan
8.49%
73 to 84 Months
View
▼
APR8.49%
Term73 to 84 Months
Last UpdatedOct 10, 2026
Details

over $20,000

Rate History
No change since Sep 18, 2026 · 8.49% APR · checked 5 times
7.99%8.49%8.99%Sep 18, 2026: 8.49% APRSep 18, 2026Oct 13, 2026
Frontier Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
Auto Loans
8.59%
Up to 66 months
View
▼
APR8.59%
TermUp to 66 months
Last UpdatedSep 30, 2026
Details

Published APR range: 8.59% - 11.51%. 2009 - 2016

Rate History
No change since Sep 30, 2026 · 8.59% APR
8.09%8.59%9.09%Sep 30, 2026: 8.59% APRSep 30, 2026Oct 13, 2026
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2007-2010 Auto Loan
8.94%
Up to 60 Months
View
▼
APR8.94%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

2006 and older add 2%

Rate History
No change since Sep 18, 2026 · 8.94% APR · checked 5 times
8.44%8.94%9.44%Sep 18, 2026: 8.94% APRSep 18, 2026Oct 13, 2026
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2007-2010 Auto Loan
9.49%
61 to 72 Months
View
▼
APR9.49%
Term61 to 72 Months
Last UpdatedOct 10, 2026
Details

over $10,000

Rate History
No change since Sep 18, 2026 · 9.49% APR · checked 5 times
8.99%9.49%9.99%Sep 18, 2026: 9.49% APRSep 18, 2026Oct 13, 2026

Arimo New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles
3.79%
48 months
View
▼
APR3.79%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 years or newer model years.

Rate History
1 change since Sep 14, 2026 · 3.99% → 3.79% ▼ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.99% APROct 10, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.79%▼ from 3.99%
  • Sep 14, 20263.99%first recorded
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles and Street Motorcycles
3.99%
72 months
View
▼
APR3.99%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 model years or newer.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
New Auto
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99 to 15.99%.

Rate History
1 change since Sep 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Sep 14, 2026: 4.99% APRSep 22, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.99%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
4.24%
Up to 36 Months
View
▼
APR4.24%
Interest Rate4.24%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 20, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.34%
36 Months
View
▼
APR4.34%
Term36 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.34% APR · checked 2 times
3.84%4.34%4.84%Oct 8, 2026: 4.34% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.44%
36 Months
View
▼
APR4.44%
Term36 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 4.44% APR · checked 2 times
3.94%4.44%4.94%Oct 8, 2026: 4.44% APROct 8, 2026Oct 13, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
4.44%
37 - 48 Months
View
▼
APR4.44%
Interest Rate4.44%
Term37 - 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 4.44% APR · checked 4 times
3.94%4.44%4.94%Sep 20, 2026: 4.44% APRSep 20, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.64%
48 Months
View
▼
APR4.64%
Term48 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.64% APR · checked 2 times
4.14%4.64%5.14%Oct 8, 2026: 4.64% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Oct 8, 2026: 4.74% APROct 8, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 36 Month
4.74%
36 Month
View
▼
APR4.74%
Term36 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 10, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 48 Month
4.74%
48 Month
View
▼
APR4.74%
Term48 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 10, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 60 Month
4.74%
60 Month
View
▼
APR4.74%
Term60 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 10, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
New Vehicles Loan
4.75%
36 to 84 months
View
▼
APR4.75%
Term36 to 84 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.94%
60 Months
View
▼
APR4.94%
Term60 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.94% APR · checked 2 times
4.44%4.94%5.44%Oct 8, 2026: 4.94% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
4.94%
72 Months
View
▼
APR4.94%
Term72 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.94% APR · checked 2 times
4.44%4.94%5.44%Oct 8, 2026: 4.94% APROct 8, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Auto Loan
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99% to 25.50%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 4.75% → 4.99% ▲ 0.24 pts · high 4.99% / low 4.75%
4.25%4.87%5.49%Sep 14, 2026: 4.75% APROct 10, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.99%▲ from 4.75%
  • Sep 14, 20264.75%first recorded
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.00%
24 months
View
▼
APR5.00%
Term24 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.04% APR · checked 2 times
4.54%5.04%5.54%Oct 8, 2026: 5.04% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
5.04%
72 Months
View
▼
APR5.04%
Term72 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.04% APR · checked 2 times
4.54%5.04%5.54%Oct 8, 2026: 5.04% APROct 8, 2026Oct 13, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Auto (7 years old or newer)
5.24%
Up to 60 months
View
▼
APR5.24%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Term: Up to 60 months (700+ score); Requires 700+ credit score

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 12, 2026: 5.24% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20265.24%▲ from 4.99%
  • Sep 20, 20264.99%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2022 and Newer Auto Loan
5.24%
Up to 60 Months
View
▼
APR5.24%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto Loan
5.24%
12 - 66 months
View
▼
APR5.24%
Term12 - 66 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.24% - 14.74%. Minimum Loan Amount: 5,000

Rate History
No change since Oct 10, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 10, 2026: 5.24% APROct 10, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 72 Month
5.24%
72 Month
View
▼
APR5.24%
Term72 Month
Last UpdatedOct 10, 2026
Details

As Low As

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
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 10, 2026: 5.25% APROct 10, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Auto Loan
5.25%
Up to 60 months
View
▼
APR5.25%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.25% to 25.50%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99%
4.49%5.12%5.75%Sep 14, 2026: 4.99% APROct 10, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.25%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
5.34%
84 Months
View
▼
APR5.34%
Term84 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 5.34% APR · checked 2 times
4.84%5.34%5.84%Oct 8, 2026: 5.34% APROct 8, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.35%
72 months
View
▼
APR5.35%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 10, 2026: 5.35% APROct 10, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Auto Loan
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.44% APR · checked 2 times
4.94%5.44%5.94%Oct 8, 2026: 5.44% APROct 8, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
View
▼
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
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Auto (7 years old or newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedOct 12, 2026
Details

Rate History
1 change since Sep 20, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 20, 2026: 5.24% APROct 12, 2026: 5.49% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20265.49%▲ from 5.24%
  • Sep 20, 20265.24%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2022 and Newer Auto Loan
5.49%
61 to 72 Months
View
▼
APR5.49%
Term61 to 72 Months
Last UpdatedOct 10, 2026
Details

over $10,000

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto Loan
5.49%
67 - 72 months
View
▼
APR5.49%
Term67 - 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 14.99%. Minimum Loan Amount: 15,000

Rate History
No change since Oct 10, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Oct 13, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
5.64%
49 - 60 Months
View
▼
APR5.64%
Interest Rate5.64%
Term49 - 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 5.64% APR · checked 4 times
5.14%5.64%6.14%Sep 20, 2026: 5.64% APRSep 20, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 84 Month
5.74%
84 Month
View
▼
APR5.74%
Term84 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APROct 10, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
New Car (80%-125% MSRP Financing)
5.75%
84 months
View
▼
APR5.75%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 10, 2026: 5.75% APROct 10, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Auto Loan
5.75%
Up to 72 months
View
▼
APR5.75%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.75% to 25.55%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.50% → 5.75% ▲ 0.25 pts · high 5.75% / low 5.50%
5.00%5.63%6.25%Sep 14, 2026: 5.50% APROct 10, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.75%▲ from 5.50%
  • Sep 14, 20265.50%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
5.84%
61 - 72 Months
View
▼
APR5.84%
Interest Rate5.84%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 5.84% APR · checked 4 times
5.34%5.84%6.34%Sep 20, 2026: 5.84% APRSep 20, 2026Oct 13, 2026
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New Auto Loan
5.99%
73 - 84 months
View
▼
APR5.99%
Term73 - 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 15.49%. Minimum Loan Amount: 25,000

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
6.04%
73 - 84 Months
View
▼
APR6.04%
Interest Rate6.04%
Term73 - 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 6.04% APR · checked 4 times
5.54%6.04%6.54%Sep 20, 2026: 6.04% APRSep 20, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
36 months
View
▼
APR6.14%
Term36 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
48 months
View
▼
APR6.14%
Term48 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.14%
60 months
View
▼
APR6.14%
Term60 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 18, 2026: 5.74% APROct 10, 2026: 6.14% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.14%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car purchase Loan
6.24%
60 months
View
▼
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
View
▼
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
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Auto (7 years old or newer)
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
1 change since Sep 20, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 20, 2026: 5.99% APROct 12, 2026: 6.24% APRSep 20, 2026Oct 13, 2026
  • Oct 12, 20266.24%▲ from 5.99%
  • Sep 20, 20265.99%first recorded
Connections Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
2022 and Newer Auto Loan
6.24%
73 to 84 Months
View
▼
APR6.24%
Term73 to 84 Months
Last UpdatedOct 10, 2026
Details

over $20,000

Rate History
No change since Sep 18, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 18, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
Rogue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Newer (2023 and Newer) Auto Loans - 96 Month
6.24%
96 Month
View
▼
APR6.24%
Term96 Month
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 5.99% APROct 10, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.24%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 3 years or newer Loan
6.25%
36 months
View
▼
APR6.25%
Term36 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.25% APR · checked 3 times
5.75%6.25%6.75%Oct 2, 2026: 6.25% APROct 2, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Auto Loan
6.25%
Up to 84 months
View
▼
APR6.25%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

Published APR range: 6.25% to 25.50%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99%
5.49%6.12%6.75%Sep 14, 2026: 5.99% APROct 10, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.25%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.37%
72 months
View
▼
APR6.37%
Term72 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: No Minimum

Rate History
1 change since Sep 18, 2026 · 5.74% → 6.37% ▲ 0.63 pts · high 6.37% / low 5.74%
5.11%6.06%7.00%Sep 18, 2026: 5.74% APROct 10, 2026: 6.37% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.37%▲ from 5.74%
  • Sep 18, 20265.74%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 3 years or newer Loan
6.50%
48 months
View
▼
APR6.50%
Term48 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Oct 2, 2026: 6.50% APROct 2, 2026Oct 13, 2026
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
New Auto Loan
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedOct 10, 2026
Details

Vehicle Age: 2020+; Loan Amount: $15,000+

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.74% ▲ 0.75 pts · high 6.74% / low 5.99%
5.24%6.37%7.49%Sep 18, 2026: 5.99% APROct 10, 2026: 6.74% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.74%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 3 years or newer Loan
6.75%
60 months
View
▼
APR6.75%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 6.75% APR · checked 3 times
6.25%6.75%7.25%Oct 2, 2026: 6.75% APROct 2, 2026Oct 13, 2026
D. L. Evans Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Vehicle Age 3 years or newer Loan
7.00%
72 months
View
▼
APR7.00%
Term72 months
Last UpdatedOct 7, 2026
Details

Rate History
No change since Oct 2, 2026 · 7.00% APR · checked 3 times
6.50%7.00%7.50%Oct 2, 2026: 7.00% APROct 2, 2026Oct 13, 2026
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
New Auto (7 years old or newer)
7.34%
96 months
View
▼
APR7.34%
Term96 months
Last UpdatedOct 12, 2026
Details

96-month requires a 700+ credit score for a new or 2-year-old car

Rate History
1 change since Sep 25, 2026 · 7.09% → 7.34% ▲ 0.25 pts · high 7.34% / low 7.09%
6.59%7.22%7.84%Sep 25, 2026: 7.09% APROct 12, 2026: 7.34% APRSep 25, 2026Oct 13, 2026
  • Oct 12, 20267.34%▲ from 7.09%
  • Sep 25, 20267.09%first recorded

Arimo Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles
3.79%
48 months
View
▼
APR3.79%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 years or newer model years.

Rate History
1 change since Sep 14, 2026 · 3.99% → 3.79% ▼ 0.20 pts · high 3.99% / low 3.79%
3.29%3.89%4.49%Sep 14, 2026: 3.99% APROct 10, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.79%▼ from 3.99%
  • Sep 14, 20263.99%first recorded
Responders Emergency Services Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New & Used Automobiles and Street Motorcycles
3.99%
72 months
View
▼
APR3.99%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As; 7 model years or newer.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
CUTTING EDGE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
Used Auto
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99 to 16.24%.

Rate History
1 change since Sep 14, 2026 · 5.24% → 3.99% ▼ 1.25 pts · high 5.24% / low 3.99%
2.74%4.62%6.49%Sep 14, 2026: 5.24% APRSep 22, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.99%▼ from 5.24%
  • Sep 14, 20265.24%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
4.24%
Up to 36 Months
View
▼
APR4.24%
Interest Rate4.24%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 20, 2026: 4.24% APRSep 20, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.34%
36 Months
View
▼
APR4.34%
Term36 Months
Last UpdatedOct 12, 2026
Details

Up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.34% APR · checked 2 times
3.84%4.34%4.84%Oct 8, 2026: 4.34% APROct 8, 2026Oct 13, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
4.44%
37 - 48 Months
View
▼
APR4.44%
Interest Rate4.44%
Term37 - 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 4.44% APR · checked 4 times
3.94%4.44%4.94%Sep 20, 2026: 4.44% APRSep 20, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.64%
48 Months
View
▼
APR4.64%
Term48 Months
Last UpdatedOct 12, 2026
Details

up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.64% APR · checked 2 times
4.14%4.64%5.14%Oct 8, 2026: 4.64% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Oct 8, 2026: 4.74% APROct 8, 2026Oct 13, 2026
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
Used Vehicles Loan
4.75%
36 to 72 months
View
▼
APR4.75%
Term36 to 72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.94%
60 Months
View
▼
APR4.94%
Term60 Months
Last UpdatedOct 12, 2026
Details

up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.94% APR · checked 2 times
4.44%4.94%5.44%Oct 8, 2026: 4.94% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
4.94%
72 Months
View
▼
APR4.94%
Term72 Months
Last UpdatedOct 12, 2026
Details

up to 90% financing

Rate History
No change since Oct 8, 2026 · 4.94% APR · checked 2 times
4.44%4.94%5.44%Oct 8, 2026: 4.94% APROct 8, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.00%
24 months
View
▼
APR5.00%
Term24 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.04% APR · checked 2 times
4.54%5.04%5.54%Oct 8, 2026: 5.04% APROct 8, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
5.04%
72 Months
View
▼
APR5.04%
Term72 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.04% APR · checked 2 times
4.54%5.04%5.54%Oct 8, 2026: 5.04% APROct 8, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 10, 2026: 5.25% APROct 10, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
5.25%
Up to 36 months
View
▼
APR5.25%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.25% to 25.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.25% ▲ 0.26 pts · high 5.25% / low 4.99%
4.49%5.12%5.75%Sep 14, 2026: 4.99% APROct 10, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.25%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
5.34%
84 Months
View
▼
APR5.34%
Term84 Months
Last UpdatedOct 12, 2026
Details

up to 90% financing

Rate History
No change since Oct 8, 2026 · 5.34% APR · checked 2 times
4.84%5.34%5.84%Oct 8, 2026: 5.34% APROct 8, 2026Oct 13, 2026
Silverado Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
Used Car (80%-110% Kelly Blue Book Value) Loan
5.35%
72 months
View
▼
APR5.35%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 10, 2026: 5.35% APROct 10, 2026Oct 13, 2026
Rails West Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Used Auto Loans
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedOct 12, 2026
Details

100% financing

Rate History
No change since Oct 8, 2026 · 5.44% APR · checked 2 times
4.94%5.44%5.94%Oct 8, 2026: 5.44% APROct 8, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
5.50%
Up to 60 months
View
▼
APR5.50%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.50% to 25.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 14, 2026: 5.25% APROct 10, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.50%▲ from 5.25%
  • Sep 14, 20265.25%first recorded
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
5.64%
49 - 60 Months
View
▼
APR5.64%
Interest Rate5.64%
Term49 - 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 5.64% APR · checked 4 times
5.14%5.64%6.14%Sep 20, 2026: 5.64% APRSep 20, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
View
▼
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
St Joe Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.37%
Used Vehicles - over 10 years Loan
5.75%
36 to 72 months
View
▼
APR5.75%
Term36 to 72 months
Last UpdatedOct 10, 2026
Details

As low as

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
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
5.84%
61 - 72 Months
View
▼
APR5.84%
Interest Rate5.84%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 5.84% APR · checked 4 times
5.34%5.84%6.34%Sep 20, 2026: 5.84% APRSep 20, 2026Oct 13, 2026
Pioneer Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
New and Used Vehicles Loan
6.04%
73 - 84 Months
View
▼
APR6.04%
Interest Rate6.04%
Term73 - 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rate listed is lowest and best rate; may be higher depending on credit history and underwriting criteria

Rate History
No change since Sep 20, 2026 · 6.04% APR · checked 4 times
5.54%6.04%6.54%Sep 20, 2026: 6.04% APRSep 20, 2026Oct 13, 2026
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
6.25%
Up to 72 months
View
▼
APR6.25%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 6.25% to 26.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99%
5.49%6.12%6.75%Sep 14, 2026: 5.99% APROct 10, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.25%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
6.25%
Up to 36 months
View
▼
APR6.25%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 6.25% to 26.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.25% ▲ 0.26 pts · high 6.25% / low 5.99%
5.49%6.12%6.75%Sep 14, 2026: 5.99% APROct 10, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.25%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car purchase Loan
6.29%
60 months
View
▼
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
View
▼
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
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.39%
36 months
View
▼
APR6.39%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2015 - 2019

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 18, 2026: 5.99% APROct 10, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.39%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.39%
48 months
View
▼
APR6.39%
Term48 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2015 - 2019

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 18, 2026: 5.99% APROct 10, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.39%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.39%
60 months
View
▼
APR6.39%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2015 - 2019

Rate History
2 changes since Sep 14, 2026 · 7.24% → 6.39% ▼ 0.85 pts · high 7.24% / low 5.99%
4.74%6.62%8.49%Sep 14, 2026: 7.24% APRSep 18, 2026: 5.99% APROct 10, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.39%▲ from 5.99%
  • Sep 18, 20265.99%▼ from 7.24%
  • Sep 14, 20267.24%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
6.50%
Up to 60 months
View
▼
APR6.50%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Published APR range: 6.50% to 26.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25%
5.75%6.38%7.00%Sep 14, 2026: 6.25% APROct 10, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.50%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.62%
72 months
View
▼
APR6.62%
Term72 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2015 - 2019

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.62% ▲ 0.63 pts · high 6.62% / low 5.99%
5.36%6.31%7.25%Sep 18, 2026: 5.99% APROct 10, 2026: 6.62% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20266.62%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Used Auto
6.74%
Up to 60 months
View
▼
APR6.74%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

700+ score; Used Auto (7 years old or older)

Rate History
1 change since Sep 18, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49%
5.99%6.62%7.24%Sep 18, 2026: 6.49% APROct 12, 2026: 6.74% APRSep 18, 2026Oct 13, 2026
  • Oct 12, 20266.74%▲ from 6.49%
  • Sep 18, 20266.49%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
6.99%
84 months
View
▼
APR6.99%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Amount: $15,000+; Vehicle Age: 2015 - 2019

Rate History
1 change since Sep 14, 2026 · 6.24% → 6.99% ▲ 0.75 pts · high 6.99% / low 6.24%
5.49%6.62%7.74%Sep 14, 2026: 6.24% APROct 10, 2026: 6.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20266.99%▲ from 6.24%
  • Sep 14, 20266.24%first recorded
Members Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Auto Loan
7.25%
Up to 72 months
View
▼
APR7.25%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Published APR range: 7.25% to 26.75%. As Low As; OAC

Rate History
1 change since Sep 14, 2026 · 6.99% → 7.25% ▲ 0.26 pts · high 7.25% / low 6.99%
6.49%7.12%7.75%Sep 14, 2026: 6.99% APROct 10, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.25%▲ from 6.99%
  • Sep 14, 20266.99%first recorded
Gesa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Used Auto Loan
7.64%
60 months
View
▼
APR7.64%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Vehicle Age: 2014 & Older

Rate History
1 change since Sep 14, 2026 · 7.24% → 7.64% ▲ 0.40 pts · high 7.64% / low 7.24%
6.74%7.44%8.14%Sep 14, 2026: 7.24% APROct 10, 2026: 7.64% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20267.64%▲ from 7.24%
  • Sep 14, 20267.24%first recorded

Arimo, ID Auto Loan Rate Trends

Compare local Arimo, ID 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 Idaho Auto Trends
New Auto Loan ID Avg
5.296%
▲ 0.084 vs 7 days ago

Idaho new auto rates rose 0.084 points over the past 7 days to 5.296% APR.

Used Auto Loan ID Avg
5.635%
▲ 0.013 vs 7 days ago

Idaho used auto rates rose 0.013 points over the past 7 days to 5.635% APR.

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

Arimo, ID 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 Idaho figures.

Current New Auto Avg
5.30%
APR, as of Oct 13, 2026
6-Month Forecast
5.38%
Fed hold assumed
12-Month Forecast
5.45%
Range: 5.10% to 5.65%
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 Idaho 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 @ 5.30% APR
ID average		 Used Auto @ 5.64% APR
ID average		 Monthly Difference
$15,000 $285.11/mo $287.46/mo $2.35/mo
$25,000 $475.18/mo $479.09/mo $3.91/mo
$35,000 $665.25/mo $670.73/mo $5.48/mo
$45,000 $855.33/mo $862.37/mo $7.04/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 Arimo, Idaho

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Arimo, Idaho 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 Idaho. 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?

Idaho Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$40,170
Median Individual Earnings
National avg: $47,340
3.7%
Unemployment Rate
National avg: 4.8%
10.6%
Poverty Rate
National avg: 11.1%
$570/mo
Payment on a $30K / 60-mo Loan
At ID new-auto avg 5.30% APR

A $570 monthly car payment works out to roughly 17.0% of the median individual income in Idaho. 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 Arimo, Idaho, 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 Arimo, Idaho. We’ve prefilled the APR with today’s ID 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 Arimo, Idaho 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 Arimo, Idaho 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 Arimo, Idaho. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in ID.

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 Arimo, Idaho

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.

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Frequently Asked Questions about Auto Loans in Arimo, Idaho

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

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Arimo, Idaho 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 Idaho *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 Arimo, Idaho 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 Arimo, Idaho?

Yes. A preapproval from a bank or credit union serving Arimo, Idaho 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 Arimo, Idaho 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 Arimo, Idaho?

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 Arimo, Idaho?

Based on our current data, some of the lowest auto loan rates available in Arimo, Idaho include:
  • Responders Emergency Services Credit Union: 3.79% (New & Used Automobiles)
  • CUTTING EDGE: 3.99% (New Auto)
  • Pioneer Federal Credit Union: 4.24% (New and Used Vehicles Loan)
  • Lewis Clark Credit Union: 4.25% (Autos)
  • Rails West Federal Credit Union: 4.34% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Arimo, Idaho. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

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