Auto Loan Rates in Lutherville Timonium, Maryland (MD) for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Current auto loan rates in Lutherville Timonium, Maryland include WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.46% offering New or Used Vehicle Loans at 2.49%, POCU of MarylandPOCU of MarylandA+5.0 ★Texas Ratio: 4.06% offering New Car 24 Months Loan at 3.09%, Cedar Point Federal Credit UnionCedar Point Federal Credit UnionA+5.0 ★Texas Ratio: 3.81% offering New Auto at 3.49%, Market USA Federal Credit UnionMarket USA Federal Credit UnionA5.0 ★Texas Ratio: 5.99% offering New Auto Loan at 3.49%, Police Federal Credit UnionPolice Federal Credit UnionA+5.0 ★Texas Ratio: 1.85% offering New Autos at 3.74%. Auto loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Lutherville Timonium borrowers have access to 26 lenders serving the Maryland area, with auto loan rates as low as 2.49% APR from WEPCO Federal 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 Lutherville Timonium, Maryland. Auto Loan Rates Last Updated and Verified: July 11, 2026
Compare Auto Loan Rates Today in Lutherville Timonium, Maryland & Surrounding Area
Lutherville Timonium Auto Loan Rates
As Low As
As Low As
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
As Low As; Minimum Financing of $10,000 for 60 Months
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
As Low As; See Auto Loan Rates for details.
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; New Auto
As Low As; Used Auto
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Monthly Payment: $29.41 per $1,000 borrowed
As Low As
As Low As
Example based on the maximum term listed in the range.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; Est. Monthly Payment $29.61
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Monthly Payment: $22.69 per $1,000 borrowed
As Low As; Monthly Payment: $29.63
As Low As
Example based on the maximum term listed in the range.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; See Auto Loan Rates for details.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; APR*
As Low As; APR*
As Low As; Estimated Monthly Payment: $1,042.94
As Low As; Estimated Monthly Payment: $1,042.94
Up to 135% of Car Value
Up to 135% of Car Value
Loan Amount: $5,000 min. APR* as low as**
Example based on the maximum term listed in the range.
As Low As; Est. Monthly Payment $22.83
As Low As
As Low As
As Low As
Age of Vehicle: 1-7 years
As Low As
As Low As; First payment may be deferred for up to 90 days. Interest will continue to accrue from the date of loan disbursal and be due once payments begin. Speak with a Signal team member for complete details. Membership required. Qualified applicants that open a new Visa Platinum Rewards credit card and a vehicle loan during the promo period will receive a 5,000 reward points bonus to their credit card rewards account. Qualified applicants that open a new Visa Signature Cash Back credit card and a vehicle loan during the promo period will receive a $50 cash back reward bonus to their credit card rewards account. Bonus rewards will be granted to qualified applicants 45 days after the promo end date. Credit card must be activated in order to receive bonus rewards. Membership required. APR=Annual Percentage Rate. Rates as of June 23, 2026. The APR shown above reflects the current minimum APR offered to qualified members enrolled in Signal Smart Plus and have automatic payments from a Signal account which results in a 0.25% APR discount, and an additional 0.25% promotional discount for Auto Loan applications entered during May 18, 2026 to July 6, 2026 promotional period. For members not enrolled in Signal Smart Plus, add 0.25% APR to the above advertised rates. Signal Smart Plus and promotional discounts do not apply to internal Signal Financial loan refinances. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, aggregate credit score and other underwriting factors. Maximum financed amount is determined by your credit score and a down payment may be required. Please apply or contact a Credit Union representative to determine the rate and term for which you qualify. Not all applicants will qualify or qualify for the lowest rate. Rates and terms are subject to change at any time without notice. Membership required.
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As
As Low As; New Auto
As Low As; Used Auto
As Low As; Monthly Payment: $15.98 per $1,000 borrowed
As Low As; Monthly Payment: $22.91
Loan Amount: $15,000 min. APR* as low as**
As Low As
As Low As; Est. Monthly Payment $29.72
Example based on the maximum term listed in the range.
As Low As
As Low As
As Low As
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
As Low As
As Low As
As Low As; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $18.92
As Low As; Est. Monthly Payment $23.12
As Low As
As Low As
$25; As Low As
As Low As
As Low As; APR*
As Low As; APR*
As Low As; Estimated Monthly Payment: $811.61
As Low As; Estimated Monthly Payment: 811.61
As Low As; New Auto
As Low As; Used Auto
As Low As; Monthly Payment: $16.22
As Low As; Est. Monthly Payment $16.29
As Low As; See Auto Loan Rates for details.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $669.83
Model Year: 2026; Rate (APR as low as)
As Low As
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
Up to $15,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As
Model Year: 2026; Rate (APR as low as)
As Low As
Age of Vehicle: ** Vehicle must be 10 model years or newer at the end of the 84 month term.
As Low As
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $577.17
Up to 135% of Car Value
Up to 135% of Car Value
As Low As
As Low As; New Auto
As Low As; Used Auto
Example based on the maximum term listed in the range.
As Low As; Monthly Payment: $14.48 per $1,000 borrowed
Loan Amount: $15,000 min. APR* as low as**
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
As Low As; Est. Monthly Payment $19.22
As Low As; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $14.56
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $581.37
Up to 135% of Car Value (Minimum $15,000)
Up to 135% of Car Value (Minimum $15,000)
Model Year: 2026; Rate (APR as low as)
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
As Low As; Est. Monthly Payment $16.60
As Low As; Rates may change without notice. All loans subject to credit approval.
As Low As
As Low As
As Low As
As Low As
As Low As; Estimated Monthly Payment: $516.72
As Low As; Monthly Payment: $14.72
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
As Low As; Rates may change without notice. All loans subject to credit approval.
$15,000 to $35,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $13.34
As Low As
As Low As
As Low As; Estimated Monthly Payment: $521.01
Down Payment 0%
Up to 135% of Car Value (Minimum $35,000)
Up to 135% of Car Value (Minimum $35,000)
Model Year: 2026; Rate (APR as low as)
Model Year: 2022; Rate (APR as low as)
As Low As
As Low As
As Low As; Rates may change without notice. All loans subject to credit approval.
As Low As
As Low As
Down Payment 0%
Lutherville Timonium New Auto Auto Loan Rates
As Low As
As Low As
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; See Auto Loan Rates for details.
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; New Auto
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Monthly Payment: $29.41 per $1,000 borrowed
As Low As
As Low As
Example based on the maximum term listed in the range.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; Est. Monthly Payment $29.61
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Monthly Payment: $22.69 per $1,000 borrowed
As Low As
Example based on the maximum term listed in the range.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; See Auto Loan Rates for details.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; APR*
As Low As; Estimated Monthly Payment: $1,042.94
Up to 135% of Car Value
Up to 135% of Car Value
Loan Amount: $5,000 min. APR* as low as**
Example based on the maximum term listed in the range.
As Low As; Est. Monthly Payment $22.83
As Low As
As Low As
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As; New Auto
As Low As; Monthly Payment: $15.98 per $1,000 borrowed
Loan Amount: $15,000 min. APR* as low as**
As Low As
Example based on the maximum term listed in the range.
As Low As
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
As Low As; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $18.92
As Low As
$25; As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $811.61
As Low As; New Auto
As Low As; Est. Monthly Payment $16.29
As Low As; See Auto Loan Rates for details.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As
As Low As
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
As Low As
As Low As
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $577.17
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; New Auto
Example based on the maximum term listed in the range.
As Low As; Monthly Payment: $14.48 per $1,000 borrowed
Loan Amount: $15,000 min. APR* as low as**
As Low As; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $14.56
Up to 135% of Car Value (Minimum $15,000)
Up to 135% of Car Value (Minimum $15,000)
As Low As
As Low As; Estimated Monthly Payment: $516.72
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
As Low As; Est. Monthly Payment $13.34
As Low As
Down Payment 0%
Up to 135% of Car Value (Minimum $35,000)
Up to 135% of Car Value (Minimum $35,000)
As Low As
Lutherville Timonium Used Auto Auto Loan Rates
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Used Auto
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Monthly Payment: $29.63
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; APR*
As Low As; Estimated Monthly Payment: $1,042.94
Up to 135% of Car Value
Up to 135% of Car Value
As Low As
Age of Vehicle: 1-7 years
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As
As Low As; Used Auto
As Low As; Monthly Payment: $22.91
As Low As; Est. Monthly Payment $29.72
As Low As
As Low As
As Low As
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
As Low As
As Low As
Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Est. Monthly Payment $23.12
As Low As
$25; As Low As
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: 811.61
As Low As; Used Auto
As Low As; Monthly Payment: $16.22
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $669.83
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
Up to $15,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Age of Vehicle: ** Vehicle must be 10 model years or newer at the end of the 84 month term.
As Low As
Up to 135% of Car Value
Up to 135% of Car Value
As Low As
As Low As; Used Auto
As Low As; Est. Monthly Payment $19.22
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $581.37
Up to 135% of Car Value (Minimum $15,000)
Up to 135% of Car Value (Minimum $15,000)
As Low As; Est. Monthly Payment $16.60
As Low As
As Low As
As Low As
As Low As; Monthly Payment: $14.72
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Qualified Direct Deposit and automatic debit of loan payment from Lafayette Federal and 0.125% discount for qualified fuel efficient vehicle. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Actual rate may be higher based on income, credit worthiness, and loan to value. $25‚000 minimum loan amount required for vehicle loan of 73 to 84 months. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year. Financing available for model years 2023 to current model year.
$15,000 to $35,000 loan amount. Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As
As Low As
As Low As; Estimated Monthly Payment: $521.01
Up to 135% of Car Value (Minimum $35,000)
Up to 135% of Car Value (Minimum $35,000)
As Low As
As Low As
As Low As
As Low As
Down Payment 0%
Lutherville Timonium, MD Auto Loan Rate Trends
Compare local Lutherville Timonium, MD 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.
Maryland new auto rates fell 0.271 points over the past 7 days to 5.010% APR.
Maryland used auto rates rose 0.250 points over the past 7 days to 6.771% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lutherville Timonium, Maryland 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 Lutherville Timonium, Maryland 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 Lutherville Timonium, Maryland. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MD.
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 Lutherville Timonium, Maryland
How does my credit score affect my car loan rate in Maryland?
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 Lutherville Timonium, Maryland?
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans)
- POCU of Maryland: 3.09% (New Car 24 Months Loan)
- Cedar Point Federal Credit Union: 3.49% (New Auto)
- Market USA Federal Credit Union: 3.49% (New Auto Loan)
- Police Federal Credit Union: 3.74% (New Autos)
Lutherville Timonium, Maryland Rates & Resources
