Auto Loan Rates in Starks, Louisiana (LA) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Starks, Louisiana include Instep Credit UnionInstep Credit UnionA5.0 ★Texas Ratio: 7.38% offering New and Used Auto at 2.50%, 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%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.06% offering Auto Loans at 3.50%, Keesler Federal Credit UnionKeesler Federal Credit UnionA+5.0 ★Texas Ratio: 3.87% offering New Auto at 3.89%, 705 Federal Credit Union705 Federal Credit UnionA-5.0 ★Texas Ratio: 13.64% offering New Auto Loans at 4.00%. Auto loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Starks borrowers have access to 21 lenders serving the Louisiana area, with auto loan rates as low as 2.50% APR from Instep Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Starks, Louisiana. Auto Loan Rates Last Updated and Verified: July 6, 2026
Compare Auto Loan Rates Today in Starks, Louisiana & Surrounding Area
Starks Auto Loan Rates
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms up to 72 months. Other rates and terms available. Rate determined by credit worthiness, and not all applicants will qualify. Refinancing not valid on current Instep Credit Union Loans. For example, a $20,000 auto loan with a term of 72 months and an APR of 2.50% would have a monthly payment of $299.46. Interest will continie to acrrue during the 60-day no-payment period. Offer subject to change at any time and without notice. See credit union for details. Federally insured by NCUA. Join the celebration. Apply today.
Refinance Options Available
Cars, Trucks, & SUVs; As Low As
As Low As
A+APR*
A+APR*
As Low As
As Low As; Est. Monthly Payment per $1,000: $29.76
As Low As; Rate: 4.49%
AAPR*
Credit Score Range: 720+
As Low As; Annual Percentage Rate (APR) as low as 4.50%.
AAPR*
A+ APR*
Credit Score Range: 720+
As Low As; APR*
As Low As; 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 financing on all auto loans is 125%.
As Low As
As Low As; Est. Monthly Payment per $1,000: $23.04
As Low As; APR*
As Low As; Rate: 4.99%
Annual Percentage Rates shown are "as low as". All rates are subject to change without notice.
As Low As; APR*
AAPR*
A+ APR*
Credit Score Range: 720+
As Low As; APR*
As Low As
A APR*
Credit Score Range: 720+
As Low As
As Low As; 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 financing on all auto loans is 125%.
As Low As; Selling price must be $30,000; APR*
As Low As
As Low As; Est. Monthly Payment per $1,000: $19.11
As Low As
As Low As; 36 months
BAPR*
A APR*
A+APR*
Credit Score Range: 720+
As Low As
As Low As
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; 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 financing on all auto loans is 125%.
As Low As
As Low As
As Low As
As Low As
BAPR*
A+APR*
Credit Score Range: 670-719
As Low As; Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
As Low As
As Low As
As Low As
As Low As; Est. Monthly Payment per $1,000: $16.57
As Low As
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; Effective Date: 03/30/26
B APR*
A+APR*
AAPR*
Credit Score Range: 670-719
As Low As
As Low As; 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 financing on all auto loans is 125%.
Maximum term for loans up to $5,000 is 24 months
As Low As
As Low As; Est. Monthly Payment per $1,000: $14.84
As Low As
As Low As
B APR*
AAPR*
Credit Score Range: 670-719
As Low As; Effective Date: 03/30/26
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; Effective Date: 03/30/26
AAPR*
As Low As
As Low As
As Low As
As Low As
As Low As; Rate: 6.99%
BAPR*
Credit Score Range: 620 - 669
Credit Score Range: 670-719
Loan amount is $14,001 or greater
BAPR*
Credit Score Range: 620 - 669
As Low As; 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 financing on all auto loans is 125%.
As Low As
As Low As
CAPR*
BAPR*
CAPR*
BAPR*
Credit Score Range: 620 - 669
As Low As
As Low As
As Low As; 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 financing on all auto loans is 125%.
CAPR*
Credit Score Range: 620 - 669
Credit Score Range: 620 - 669
As Low As; Effective Date: 03/30/26
C APR*
As Low As
C APR*
As Low As; Effective Date: 03/30/26
Credit Score Range: 620 - 669
CAPR*
CAPR*
DAPR*
CAPR*
DAPR*
CAPR*
DAPR*
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*
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
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)
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
Starks New Auto Auto Loan Rates
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms up to 72 months. Other rates and terms available. Rate determined by credit worthiness, and not all applicants will qualify. Refinancing not valid on current Instep Credit Union Loans. For example, a $20,000 auto loan with a term of 72 months and an APR of 2.50% would have a monthly payment of $299.46. Interest will continie to acrrue during the 60-day no-payment period. Offer subject to change at any time and without notice. See credit union for details. Federally insured by NCUA. Join the celebration. Apply today.
Refinance Options Available
As Low As
A+APR*
A+APR*
As Low As
As Low As; Rate: 4.49%
AAPR*
Credit Score Range: 720+
As Low As; Annual Percentage Rate (APR) as low as 4.50%.
AAPR*
Credit Score Range: 720+
As Low As; APR*
As Low As; 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 financing on all auto loans is 125%.
As Low As
As Low As; APR*
Annual Percentage Rates shown are "as low as". All rates are subject to change without notice.
As Low As; APR*
AAPR*
As Low As; APR*
As Low As
As Low As; 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 financing on all auto loans is 125%.
As Low As; Selling price must be $30,000; APR*
As Low As
BAPR*
Credit Score Range: 720+
As Low As
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; 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 financing on all auto loans is 125%.
As Low As
BAPR*
Credit Score Range: 670-719
As Low As
As Low As
As Low As
BAPR*
As Low As; 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 financing on all auto loans is 125%.
Credit Score Range: 670-719
Loan amount is $15,001 or greater
As Low As
Credit Score Range: 620 - 669
Credit Score Range: 620 - 669
As Low As
CAPR*
CAPR*
As Low As
CAPR*
Credit Score Range: 620 - 669
DAPR*
DAPR*
DAPR*
Credit Score Range: 580 - 619
Credit Score Range: 580 - 619
Credit Score Range: 579 or less
Credit Score Range: 579 or less
EAPR*
Starks Used Auto Auto Loan Rates
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms up to 72 months. Other rates and terms available. Rate determined by credit worthiness, and not all applicants will qualify. Refinancing not valid on current Instep Credit Union Loans. For example, a $20,000 auto loan with a term of 72 months and an APR of 2.50% would have a monthly payment of $299.46. Interest will continie to acrrue during the 60-day no-payment period. Offer subject to change at any time and without notice. See credit union for details. Federally insured by NCUA. Join the celebration. Apply today.
Refinance Options Available
As Low As; Est. Monthly Payment per $1,000: $29.76
A+ APR*
As Low As; 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 financing on all auto loans is 125%.
As Low As; Est. Monthly Payment per $1,000: $23.04
As Low As; Rate: 4.99%
A+ APR*
Credit Score Range: 720+
A APR*
Credit Score Range: 720+
As Low As
As Low As; 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 financing on all auto loans is 125%.
As Low As; Est. Monthly Payment per $1,000: $19.11
A APR*
A+APR*
As Low As
As Low As; 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 financing on all auto loans is 125%.
A+APR*
As Low As; Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
As Low As
As Low As; Est. Monthly Payment per $1,000: $16.57
A+APR*
AAPR*
Credit Score Range: 720+
Credit Score Range: 670-719
As Low As; Effective Date: 03/30/26
B APR*
A+APR*
AAPR*
Credit Score Range: 670-719
As Low As; 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 financing on all auto loans is 125%.
Maximum term for loans up to $5,000 is 24 months
As Low As; Est. Monthly Payment per $1,000: $14.84
B APR*
AAPR*
As Low As; Effective Date: 03/30/26
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; Effective Date: 03/30/26
AAPR*
BAPR*
Credit Score Range: 670-719
Loan amount is $14,001 or greater
BAPR*
As Low As; 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 financing on all auto loans is 125%.
BAPR*
BAPR*
Credit Score Range: 620 - 669
Credit Score Range: 620 - 669
As Low As; Effective Date: 03/30/26
C APR*
C APR*
As Low As; Effective Date: 03/30/26
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
Starks, LA Auto Loan Rate Trends
Compare local Starks, 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 loan rates currently average 5.667% APR.
Louisiana used auto loan rates currently average 6.650% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Starks, 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 Starks, 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 Starks, 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 Starks, 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 Starks, Louisiana?
- Instep Credit Union: 2.50% (New and Used Auto)
- Fleur de Lis Federal Credit Union: 3.00% (New and Used Auto)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Keesler Federal Credit Union: 3.89% (New Auto)
- 705 Federal Credit Union: 4.00% (New Auto Loans)
