Auto Loan Rates in Livingston, Louisiana (LA) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Livingston, Louisiana include Keesler Federal Credit UnionKeesler Federal Credit Union29631 S Frost Rd, Livingston, LA, 70754A+5.0 ★Texas Ratio: 3.87% offering New Auto at 3.89%, Fleur de Lis Federal Credit UnionFleur de Lis Federal Credit UnionA+5.0 ★Texas Ratio: 1.34% offering New and Used Auto at 3.00%, Instep Credit UnionInstep Credit UnionA5.0 ★Texas Ratio: 7.38% offering New and Used Auto at 3.25%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.06% offering Auto Loans at 3.50%, GEISMAR COMPLEXGEISMAR COMPLEXA5.0 ★Texas Ratio: 3.75% offering New Vehicle Loan at 3.99%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Livingston has 1 local institution in our database, with auto loan rates as low as 3.89% APR from Keesler Federal Credit Union at 29631 S Frost Rd, Livingston, LA, 70754. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Livingston, Louisiana. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Livingston, Louisiana & Surrounding Area
Livingston Auto Loan Rates
As Low As
As Low As
As Low As; Est. Monthly Payment per $1,000: $29.76
As Low As
As Low As; Est. Monthly Payment per $1,000: $23.04
As Low As
As Low As; Est. Monthly Payment per $1,000: $19.11
As Low As
As Low As; Est. Monthly Payment per $1,000: $16.57
As Low As
As Low As; Est. Monthly Payment per $1,000: $14.84
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Refinance Options Available
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $35 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
Cars, Trucks, & SUVs; As Low As
APR varies by term. Terms up to 7 years.
APR varies by term. Terms up to 6 years.
A+APR*
A+APR*
As Low As; **
AAPR*
Credit Score Range: 720+
As Low As; Annual Percentage Rate (APR) as low as 4.50%.
AAPR*
A+ APR*
Credit Score Range: 720+
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
As Low As; **
Annual Percentage Rates shown are "as low as".
AAPR*
A+ APR*
Credit Score Range: 720+
As Low As
As Low As
As Low As
As Low As; Effective Date: 03/30/26
As Low As; Year: 2023 - 2026
A APR*
Credit Score Range: 720+
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
As Low As
As Low As
As Low As
New (Non Real Estate)
As Low As; Year: 2023 - 2026
BAPR*
A APR*
A+APR*
Credit Score Range: 720+
As Low As; Effective Date: 03/30/26
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
New Vehicle Loan; Rate as low as 4.99% APR, and 100% financing; Ask about additional qualifying rate discounts; As low as 5.59%
As Low As; Effective Date: 03/30/26
As Low As
As Low As
As Low As
As Low As
As Low As
New (Non Real Estate)
As Low As; Year: 2023 - 2026
BAPR*
A+APR*
Credit Score Range: 670-719
As Low As
As Low As; Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
As Low As; Effective Date: 03/30/26
As Low As; Effective Date: 03/30/26
As Low As; Selling price must be $30,000
New (Non Real Estate)
As Low As; Year: 2019-2020
BAPR*
A+APR*
AAPR*
Credit Score Range: 720+
Credit Score Range: 670-719
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
New (Non Real Estate)
As Low As; Year: 2023 - 2026
As Low As; Year: 2021 - 2022
B APR*
A+APR*
AAPR*
Credit Score Range: 670-719
As Low As
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
Maximum term for loans up to $5,000 is 24 months
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; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
New (Non Real Estate)
B APR*
AAPR*
Credit Score Range: 670-719
As Low As
Used Vehicle Loan; Rate as low as 5.99% APR, 100% financing; Ask about additional qualifying rate discounts; As low as 6.59%
Loan amount is $15,001 or greater
As Low As
New (Non Real Estate)
AAPR*
As Low As
As Low As
As Low As; **
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
BAPR*
Credit Score Range: 620 - 669
Credit Score Range: 670-719
Loan amount is $14,001 or greater
New (Non Real Estate)
BAPR*
Credit Score Range: 620 - 669
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
CAPR*
BAPR*
As Low As; Terms of 84 months over $30,000.00
CAPR*
BAPR*
Credit Score Range: 620 - 669
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
CAPR*
Credit Score Range: 620 - 669
Credit Score Range: 620 - 669
As Low As
C APR*
C APR*
As Low As
Credit Score Range: 620 - 669
Requirements: Debt Ratio < or = 29.99%, No Public Records, No Past Due Accounts, Bankruptcy Over 10Years Old (From Date of Discharge). % Down: 5%
CAPR*
CAPR*
DAPR*
CAPR*
DAPR*
CAPR*
Requirements: Debt Ratio 30% to 39.99%, No Public Records, Some (1 or 2) 30 Day Past Due, Bankruptcy 7 to 10 Years Old (From Date of Discharge). % Down: 5%
DAPR*
D APR*
D APR*
Requirements: Debt Ratio 40% to 49.99%, Public Records, Some (3 or 4) 30 Day Past Due, Some (1 or 2) 60 Day Past Due, Bankruptcy 3 to 6.99 Years Old (From Date of Discharge). % Down: 10%
Debt Ratio < or = 29.99%, No Public Records, No Past Due Accounts, Bankruptcy Over 10 Years Old (From Date of Discharge)
DAPR*
DAPR*
DAPR*
Credit Score Range: 580 - 619
DAPR*
Debt Ratio 30% to 39.99%, No Public Records, Some (1 or 2) 30 Day Past Due, Bankruptcy 7 to 10 Years Old (From Date of Discharge)
Credit Score Range: 580 - 619
Credit Score Range: 580 - 619
Credit Score Range: 580 - 619
Requirements: Debt Ratio 50% to 59.99%, Some (3 or 4) 90 Day Past Due, Bankruptcy 2 to 2.99 Years Old (From Date of Discharge). % Down: 15%
Debt Ratio 40% to 49.99%, Public Records, Some (3 or 4) 30 Day Past Due, Some (1 or 2) 60 Day Past Due, Bankruptcy 3 to 6.99 Years Old (From Date of Discharge)
Requirements: Debt Ratio > or = 60%, Bankruptcy 0 to 1.99 Years Old (From Date of Discharge), Need Board Approval. % Down: 20%
Debt Ratio 50% to 59.99%, Some (3 or 4) 90 Day Past Due, Bankruptcy 2 to 2.99 Years Old (From Date of Discharge)
Credit Score Range: 579 or less
Credit Score Range: 579 or less
EAPR*
EAPR*
EAPR*
Credit Score Range: 579 or less
Credit Score Range: 579 or less
Debt Ratio > or = 60%, Bankruptcy 0 to 1.99 Years Old (From Date of Discharge), Need Board Approval
Livingston New Auto Auto Loan Rates
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Refinance Options Available
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $35 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
APR varies by term. Terms up to 7 years.
A+APR*
A+APR*
As Low As; **
AAPR*
Credit Score Range: 720+
As Low As; Annual Percentage Rate (APR) as low as 4.50%.
AAPR*
Credit Score Range: 720+
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
Annual Percentage Rates shown are "as low as".
AAPR*
As Low As
As Low As
As Low As; Effective Date: 03/30/26
As Low As; Year: 2023 - 2026
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
As Low As
As Low As; Year: 2023 - 2026
BAPR*
Credit Score Range: 720+
As Low As; Effective Date: 03/30/26
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
New Vehicle Loan; Rate as low as 4.99% APR, and 100% financing; Ask about additional qualifying rate discounts; As low as 5.59%
As Low As; Effective Date: 03/30/26
As Low As
As Low As; Year: 2023 - 2026
BAPR*
Credit Score Range: 670-719
As Low As
As Low As; Effective Date: 03/30/26
As Low As; Effective Date: 03/30/26
As Low As; Selling price must be $30,000
BAPR*
As Low As
As Low As; Year: 2023 - 2026
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
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
Credit Score Range: 670-719
Loan amount is $15,001 or greater
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Credit Score Range: 620 - 669
Credit Score Range: 620 - 669
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
CAPR*
As Low As; Terms of 84 months over $30,000.00
CAPR*
CAPR*
Credit Score Range: 620 - 669
Requirements: Debt Ratio < or = 29.99%, No Public Records, No Past Due Accounts, Bankruptcy Over 10Years Old (From Date of Discharge). % Down: 5%
DAPR*
DAPR*
Requirements: Debt Ratio 30% to 39.99%, No Public Records, Some (1 or 2) 30 Day Past Due, Bankruptcy 7 to 10 Years Old (From Date of Discharge). % Down: 5%
DAPR*
Requirements: Debt Ratio 40% to 49.99%, Public Records, Some (3 or 4) 30 Day Past Due, Some (1 or 2) 60 Day Past Due, Bankruptcy 3 to 6.99 Years Old (From Date of Discharge). % Down: 10%
Credit Score Range: 580 - 619
Credit Score Range: 580 - 619
Requirements: Debt Ratio 50% to 59.99%, Some (3 or 4) 90 Day Past Due, Bankruptcy 2 to 2.99 Years Old (From Date of Discharge). % Down: 15%
Requirements: Debt Ratio > or = 60%, Bankruptcy 0 to 1.99 Years Old (From Date of Discharge), Need Board Approval. % Down: 20%
Credit Score Range: 579 or less
Credit Score Range: 579 or less
EAPR*
Livingston Used Auto Auto Loan Rates
As Low As; Est. Monthly Payment per $1,000: $29.76
As Low As; Est. Monthly Payment per $1,000: $23.04
As Low As; Est. Monthly Payment per $1,000: $19.11
As Low As; Est. Monthly Payment per $1,000: $16.57
As Low As; Est. Monthly Payment per $1,000: $14.84
Refinance Options Available
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $35 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
APR varies by term. Terms up to 6 years.
A+ APR*
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
As Low As; **
A+ APR*
Credit Score Range: 720+
As Low As
As Low As
A APR*
Credit Score Range: 720+
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
As Low As
A APR*
A+APR*
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
As Low As
A+APR*
As Low As
As Low As; Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
As Low As; Year: 2019-2020
A+APR*
AAPR*
Credit Score Range: 720+
Credit Score Range: 670-719
As Low As
As Low As
As Low As; Year: 2021 - 2022
B APR*
A+APR*
AAPR*
Credit Score Range: 670-719
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
Maximum term for loans up to $5,000 is 24 months
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
B APR*
AAPR*
As Low As
Used Vehicle Loan; Rate as low as 5.99% APR, 100% financing; Ask about additional qualifying rate discounts; As low as 6.59%
As Low As
AAPR*
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
BAPR*
Credit Score Range: 670-719
Loan amount is $14,001 or greater
BAPR*
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Maximum financing on all auto loans is 125%. Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ.
BAPR*
As Low As; Terms of 84 months over $30,000.00
BAPR*
Credit Score Range: 620 - 669
Credit Score Range: 620 - 669
As Low As
C APR*
C APR*
As Low As
Credit Score Range: 620 - 669
CAPR*
CAPR*
CAPR*
CAPR*
D APR*
D APR*
Debt Ratio < or = 29.99%, No Public Records, No Past Due Accounts, Bankruptcy Over 10 Years Old (From Date of Discharge)
DAPR*
DAPR*
DAPR*
DAPR*
Debt Ratio 30% to 39.99%, No Public Records, Some (1 or 2) 30 Day Past Due, Bankruptcy 7 to 10 Years Old (From Date of Discharge)
Credit Score Range: 580 - 619
Credit Score Range: 580 - 619
Debt Ratio 40% to 49.99%, Public Records, Some (3 or 4) 30 Day Past Due, Some (1 or 2) 60 Day Past Due, Bankruptcy 3 to 6.99 Years Old (From Date of Discharge)
Debt Ratio 50% to 59.99%, Some (3 or 4) 90 Day Past Due, Bankruptcy 2 to 2.99 Years Old (From Date of Discharge)
EAPR*
EAPR*
Credit Score Range: 579 or less
Credit Score Range: 579 or less
Debt Ratio > or = 60%, Bankruptcy 0 to 1.99 Years Old (From Date of Discharge), Need Board Approval
Livingston, LA Auto Loan Rate Trends
Compare local Livingston, 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 rose 0.185 points over the past 7 days to 5.848% APR.
Louisiana used auto rates rose 0.188 points over the past 7 days to 6.614% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Livingston, 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 Livingston, 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 Livingston, 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 Livingston, 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?
What are the best Auto Loan rates in Livingston, Louisiana?
- Keesler Federal Credit Union: 3.89% (New Auto)
- Fleur de Lis Federal Credit Union: 3.00% (New and Used Auto)
- Instep Credit Union: 3.25% (New and Used Auto)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- GEISMAR COMPLEX: 3.99% (New Vehicle Loan)
Livingston, Louisiana Rates & Resources
