Baton Rouge, Louisiana Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Baton Rouge, Louisiana include Baton Rouge City Parish Employees Federal Credit UnionBaton Rouge City Parish Employees Federal Credit Union433 Government St, Baton Rouge, LA, 70802 6114A+5.0 ★Texas Ratio: 0.48% offering New and Used Autos and Motorcycles at 3.99%, Neighbors Federal Credit UnionNeighbors Federal Credit Union12529 Perkins Rd, Baton Rouge, LA, 70810A5.0 ★Texas Ratio: 8.57% offering New Auto Loan at 5.00%, La Capitol Federal Credit UnionLa Capitol Federal Credit Union700 Main St, Baton Rouge, LA, 70802 5501A5.0 ★Texas Ratio: 7.41% offering New Vehicle - 2023 and Newer Model Years Loan at 5.24%, Eagle Louisiana Federal Credit UnionEagle Louisiana Federal Credit Union2271 College Dr, Baton Rouge, LA, 70808 1839A+5.0 ★Texas Ratio: 1.60% offering Auto Loans at 5.49%, Essential Credit UnionEssential Credit Union6725 Siegen Ln, Baton Rouge, LA, 70809A5.0 ★Texas Ratio: 9.00% offering Auto Loans at 5.49%. Auto loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Baton Rouge has 10 local institutions in our database, with auto loan rates as low as 3.99% APR from Baton Rouge City Parish Employees Federal Credit Union at 433 Government St, Baton Rouge, LA, 70802 6114. 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 Baton Rouge, Louisiana. Auto Loan Rates Last Updated and Verified: September 9, 2026
Compare Auto Loan Rates Today in Baton Rouge, Louisiana & Surrounding Area
Baton Rouge Auto Loan Rates
Rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
**** 84-month term only available for vehicles over $35000. Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply.
*** 78-month term only available for vehicles over $15000. Used auto rates apply to vehicles up to seven model years old. Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply.
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As Low As; 36 months
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As Low As; 2019-2022 Model Years
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As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
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As Low As; 2019-2022 Model Years
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As Low As; 2019-2022 Model Years
Offer is subject to membership and credit approval. Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. Loan rates reflect an evaluation of credit history, so your rate may differ. For example, a monthly payment for an auto loan for $20,000 for 60 months at 6.74% APR (Annual Percentage Rate) could be as low as $393.58. The rates will not increase after consummation of the loan. 90 month term subject to a minimum loan amount of $60,000.
Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. Loan rates reflect an evaluation of credit history, so your rate may differ. For example, a monthly payment for an auto loan for $20,000 for 60 months at 6.74% APR (Annual Percentage Rate) could be as low as $393.58. The rates will not increase after consummation of the loan. 90 month term subject to a minimum loan amount of $60,000.
As Low As
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As
As Low As
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Terms of 84 months over $30,000.00
As Low As
As low as*
Offer is subject to membership and credit approval. Certain restrictions apply. Applicant must meet First-Time Auto byer Program requirements. Campus Federal will finance up to 110% of Invoice for new auto or NADA retail value for used autos. Maximum loan amount is $30,000. After the first 12 months of on-time monthly payments, member will be rewarded with a 1% reduction in the interest rate for the remainder of the loan. For example, a monthly payment for an auto loan for $20,000 for 72 months at 8.24% APR could be as low as $353.01. The rates will not increase after consummation of the loan.
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As Low As; 2018 and Older Model Years
As Low As; 2018 and Older Model Years
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Refinance Options Available
Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25% APR discount for a 48-month loan term. Example payment: A $20,000 auto loan financed for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accrue during the no-payment period.
Cars, Trucks, & SUVs
As Low As; For a limited time only. Rates determined by past credit performance. Must have an open Share Account to qualify.
APR varies by term.
As Low As; New vehicles can be financed for a term up to 84 months
APR varies by term.
A+APR*
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
A+APR*
Rate Ranges Are Based On Credit Worthiness; APR range: 4.30 % - 11.30 %
As Low As
**Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.; APR range: 4.49% to 15.50%
Maximum Loan Amount: Less than $15,000.00
AAPR*
Cars, Trucks, & SUVs
As Low As; For a limited time only. Rates determined by past credit performance. Must have an open Share Account to qualify.
As Low As; Annual Percentage Rate (APR) as low as 4.50%.
Rate Ranges Are Based On Credit Worthiness; APR range: 4.50 % - 11.50 %
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Maximum Loan Amount: $15,000.00-$19,999.99
AAPR*
A+ APR
As Low As; **
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Financing: up to 115%
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Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Rate Ranges Are Based On Credit Worthiness; APR range: 4.99 % - 11.99 %
Maximum Loan Amount: $20,000.00-$29,999.99
AAPR*
A+ APR
As low as
As Low As
As Low As
Financing: up to 115%
Rates displayed are the lowest rates available including a discount for automatic payment.
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: Less than $15,000
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As Low As; Year: 2023 - 2026
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As Low As; **
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As Low As; Selling price must be $30,000
APR range: 5.44% - 15.44%
APR range: 5.44% - 15.68%
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New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: $15,000 - $19,999.99
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: $20,000 - $29,999.99
Maximum Loan Amount: $30,000.00-$39,999.99
As Low As
As Low As; Year: 2023 - 2026
BAPR*
A+APR*
A APR
Cars, Trucks, & SUVs
New (Non Real Estate)
APR range: 5.54% to 13.99%
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VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
As Low As
As Low As; Year: 2023 - 2026
BAPR*
A+APR*
Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
New (Non Real Estate)
Rates displayed are the lowest rates available including a discount for automatic payment.
As low as
APR range: 5.89% to 15.24%
Example on a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99. New - 2023 Models and newer.
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As Low As
Financing: up to 115%
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As Low As; Year: 2021 - 2022
BAPR*
A+APR*
AAPR*
New (Non Real Estate)
As low as; New Vehicles Only > $25,000
Rates as Low as; Members are eligible after 6 months of employment; Member can qualify for 2 times their gross monthly income not to exceed $10,000.00.
Baton Rouge New Auto Auto Loan Rates
Rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
**** 84-month term only available for vehicles over $35000. Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply.
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As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As
Loan rates reflect a .25% discount for auto-debit payments from a Campus Federal or other financial institution account. Loan rates reflect an evaluation of credit history, so your rate may differ. For example, a monthly payment for an auto loan for $20,000 for 60 months at 6.74% APR (Annual Percentage Rate) could be as low as $393.58. The rates will not increase after consummation of the loan. 90 month term subject to a minimum loan amount of $60,000.
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Terms of 84 months over $30,000.00
Offer is subject to membership and credit approval. Certain restrictions apply. Applicant must meet First-Time Auto byer Program requirements. Campus Federal will finance up to 110% of Invoice for new auto or NADA retail value for used autos. Maximum loan amount is $30,000. After the first 12 months of on-time monthly payments, member will be rewarded with a 1% reduction in the interest rate for the remainder of the loan. For example, a monthly payment for an auto loan for $20,000 for 72 months at 8.24% APR could be as low as $353.01. The rates will not increase after consummation of the loan.
Refinance Options Available
Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25% APR discount for a 48-month loan term. Example payment: A $20,000 auto loan financed for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accrue during the no-payment period.
As Low As; For a limited time only. Rates determined by past credit performance. Must have an open Share Account to qualify.
APR varies by term.
As Low As; New vehicles can be financed for a term up to 84 months
A+APR*
A+APR*
**Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.; APR range: 4.49% to 15.50%
Maximum Loan Amount: Less than $15,000.00
AAPR*
As Low As; For a limited time only. Rates determined by past credit performance. Must have an open Share Account to qualify.
As Low As; Annual Percentage Rate (APR) as low as 4.50%.
As low as
Maximum Loan Amount: $15,000.00-$19,999.99
AAPR*
As Low As; **
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Financing: up to 115%
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Maximum Loan Amount: $20,000.00-$29,999.99
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Financing: up to 115%
As Low As; Year: 2023 - 2026
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As Low As; Selling price must be $30,000
APR range: 5.44% - 15.44%
Maximum Loan Amount: $30,000.00-$39,999.99
As Low As; Year: 2023 - 2026
BAPR*
APR range: 5.54% to 13.99%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
As Low As; Year: 2023 - 2026
BAPR*
APR range: 5.89% to 15.24%
Example on a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99. New - 2023 Models and newer.
BAPR*
As low as; New Vehicles Only > $25,000
Rates as Low as; Members are eligible after 6 months of employment; Member can qualify for 2 times their gross monthly income not to exceed $10,000.00.
Baton Rouge Used Auto Auto Loan Rates
Rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
*** 78-month term only available for vehicles over $15000. Used auto rates apply to vehicles up to seven model years old. Rates above are subject to change and are based on a 0.25% protection package discount requiring one of the following: subscription to Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation or opening of a new Neighbors checking account. Additional loan rates and terms may be available. Other restrictions may apply.
Beginning APR*
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As Low As
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Beginning APR*; ***
Beginning APR*; ****
As Low As; 2019-2022 Model Years
As Low As
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; 2019-2022 Model Years
As Low As
As Low As; 2019-2022 Model Years
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Terms of 84 months over $30,000.00
As Low As; 2018 and Older Model Years
As Low As; 2018 and Older Model Years
Refinance Options Available
Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25% APR discount for a 48-month loan term. Example payment: A $20,000 auto loan financed for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accrue during the no-payment period.
APR varies by term.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
**Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.; APR range: 4.49% to 15.50%
A+ APR
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
A+ APR
As low as
Rates displayed are the lowest rates available including a discount for automatic payment.
As Low As
A APR
As Low As; **
As low as
APR range: 5.44% - 15.68%
As Low As
A+APR*
A APR
APR range: 5.54% to 13.99%
As Low As
A+APR*
Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
Rates displayed are the lowest rates available including a discount for automatic payment.
As low as
APR range: 5.89% to 15.24%
Financing: up to 115%
A+APR*
AAPR*
Baton Rouge, LA Auto Loan Rate Trends
Compare local Baton Rouge, LA 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.
Louisiana new auto rates fell 0.001 points over the past 7 days to 6.221% APR.
Louisiana used auto rates rose 0.003 points over the past 7 days to 7.002% APR.
Baton Rouge, LA 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 Louisiana figures.
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.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Louisiana 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 @ 6.22% APR LA average | Used Auto @ 7.00% APR LA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $291.53/mo | $297.03/mo | $5.50/mo |
| $25,000 | $485.89/mo | $495.05/mo | $9.16/mo |
| $35,000 | $680.25/mo | $693.08/mo | $12.83/mo |
| $45,000 | $874.60/mo | $891.10/mo | $16.50/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.
How to Get the Best Auto Loan Rate in Baton Rouge, Louisiana
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Baton Rouge, Louisiana 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.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Louisiana. 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.
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.
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.
- Saving up for a bigger down payment: park it in a Baton Rouge, Louisiana high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Baton Rouge, Louisiana CD rates lock in a guaranteed return until you’re ready to buy
Baton Rouge, Louisiana Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $583 monthly car payment works out to roughly 22.2% of the median individual income in Baton Rouge, Louisiana. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Baton Rouge, Louisiana, 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 1–3 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 (0–2.9% 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 Baton Rouge, Louisiana. We’ve prefilled the APR with today’s LA new-auto average, or click any current rate on the right to apply it instantly.
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 Baton Rouge, Louisiana 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 Baton Rouge, Louisiana 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 Baton Rouge, Louisiana. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in LA.
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.
Frequently Asked Questions about Auto Loans in Baton Rouge, Louisiana
How does my credit score affect my car loan rate in Louisiana?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Baton Rouge, Louisiana?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Baton Rouge, Louisiana?
- Baton Rouge City Parish Employees Federal Credit Union: 3.99% (New and Used Autos and Motorcycles)
- Neighbors Federal Credit Union: 5.00% (New Auto Loan)
- La Capitol Federal Credit Union: 5.24% (New Vehicle - 2023 and Newer Model Years Loan)
- Eagle Louisiana Federal Credit Union: 5.49% (Auto Loans)
- Essential Credit Union: 5.49% (Auto Loans)
Baton Rouge, Louisiana Rates & Resources
