Bay City, Michigan Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Bay City, Michigan auto loan rates range from 2.99% to 9.50% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in Bay City, Michigan include Frankenmuth Credit UnionFrankenmuth Credit Union800 N Euclid Ave, Bay City, MI, 48706A5.0 ★Texas Ratio: 8.18%Rate verified Oct 19, 2026 offering Auto Loan Special at 4.48%, Jolt Credit UnionJolt Credit Union915 S Euclid Ave, Bay City, MI, 48706A+5.0 ★Texas Ratio: 2.11%Rate verified Oct 19, 2026 offering New Auto Loan - 90 Days No Payment at 4.79%, United Financial Credit UnionUnited Financial Credit Union6354 Westside Saginaw Rd, Bay City, MI, 48706 9394A+5.0 ★Texas Ratio: 5.54%Rate verified Oct 19, 2026 offering New & Used Auto Loans at 4.90%, Financial Plus Credit Union Flint, MIFinancial Plus Credit Union Flint, MI4129 N Euclid Ave, Bay City, MI, 48706A+5.0 ★Texas Ratio: 2.74%Rate verified Oct 19, 2026 offering Vehicle Loans at 4.99%, Wildfire Credit UnionWildfire Credit Union2936 Wilder Rd, Bay City, MI, 48706A+5.0 ★Texas Ratio: 3.16%Rate verified Oct 19, 2026 offering Auto Loan - Autos 2018 - Newer at 5.09%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Bay City has 9 local institutions in our database, with auto loan rates as low as 4.48% APR from Frankenmuth Credit Union at 800 N Euclid Ave, Bay City, MI, 48706. 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 Bay City, Michigan. Auto Loan Rates Last Updated and Verified: October 23, 2026
Compare Auto Loan Rates Today in Bay City, Michigan & Surrounding Area
Bay City Auto Loan Rates
As Low As; 48 Month Auto Loan Special applies to 2019 or newer, $145 loan app fee, new to FCU money only
As Low As; Year of Vehicle: 2024 & Newer; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Year of Vehicle: 2024 & Newer; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Year of Vehicle: 2024 & Newer; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Maximum Amount: 100% purchase price of vehicle; Term limits apply. Call Credit Union for details.
As Low As; Model Year: 2026-2021; Rate/APR with Loyalty Discount; As of 10/1/2026
As Low As; Model Year: 2026-2021; Rate/APR with Loyalty Discount; As of 10/1/2026
As Low As; Model Year: 2018 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026
As Low As; Model Year: Any; Rates based on applicant(s) credit score; Effective 10/18/2026
As Low As; Rates for new, used and refinanced cars, street legal motorcycles, trucks, vans and classic car loans
- Oct 9, 20265.19%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2021 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026
As Low As; Model Year: 2026-2021; Rate/APR with Loyalty Discount; As of 10/1/2026
As Low As; Model Year: 2025 or newer
As Low As; Model Year: 2024-2022
As Low As; Model Year: 2021-2019
As Low As; Model Year: 2018 and older
As Low As; Requirements: $10,000.00 or greater; Rates for new, used and refinanced cars, street legal motorcycles, trucks, vans and classic car loans
- Oct 9, 20265.44%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Year: 2021 - 2026
As Low As
Current plus 6 model years old
As Low As; Year of Vehicle: 2024 & Newer; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Requirements: $20,000.00 or greater; Rates for new, used and refinanced cars, street legal motorcycles, trucks, vans and classic car loans
- Oct 9, 20265.69%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2026-2021; Rate/APR with Loyalty Discount; As of 10/1/2026
As Low As; Model Year: 2022 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026
As Low As; Model Year: 2021 - 2026
As Low As; Year of Vehicle: 2024 & Newer; Minimum $10,000 Loan; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Year of Vehicle: 2021 & Newer; 90 Days No Payment; Credit approval required
As Low As; Model Year: 2025-2026; Amount: $65,000+
As Low As; Model Year: 2019 - 2020
As Low As; Requirements: $30,000.00 or greater; Rates for new, used and refinanced cars, street legal motorcycles, trucks, vans and classic car loans
- Oct 9, 20266.19%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Minimum loan amount $25,000; Current plus 2 model year old
As Low As; Model Year: 2020-2017; Rate/APR with Loyalty Discount; As of 10/1/2026
Minimum loan amount $100,000; Electric and Hybrid only
As Low As; Requirements: $30,000.00 or greater; Rates for new, used and refinanced cars, street legal motorcycles, trucks, vans and classic car loans
- Oct 9, 20266.69%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Model Year: 2020-2017; Rate/APR with Loyalty Discount; As of 10/1/2026
As Low As; Model Year: 2017 - 2018
Rate is with autopay discount; Loan to Value: N/A; Effective Date: October 19, 2026
- Oct 20, 20267.12%▲ from 6.62%
- Sep 24, 20266.62%▲ from 6.12%
- Sep 15, 20266.12%first recorded
As Low As; Requirements: $30,000.00 or greater; Rates for new, used and refinanced cars, street legal motorcycles, trucks, vans and classic car loans
- Oct 9, 20267.19%▲ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Model Year: 2016 & older; Rate/APR with Loyalty Discount; As of 10/1/2026
As Low As; Model Year: 2016 & Older
As Low As; Vehicle: Antique Auto
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; requires full direct deposit of $2,000+ into checking
All rates are based on 725 credit score
All rates are based on 725 credit score
As Low As; Model Year: 2022 and Newer
As Low As; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan
As Low As; APR as low as1
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
All rates are based on 725 credit score
AUTO LOAN SPECIAL; Model Year: 2022-2027
As Low As; APR or Annual Percentage Rates
As Low As; New Vehicle Rates (2026 - 2023); Effective Date: Friday, October 23rd, 2026
Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; requires full direct deposit of $2,000+ into checking
APR range: 3.99%-11.50%; Minimum Loan Amount: Min $5k
As Low As; Effective Date: Sunday, October 18th, 2026
As Low As; Limited-Time Offer; Rates valid for New & Used Autos (Model years 2023-2027)
As Low As; New vehicles / motorcycles
Secured; Rate Match available; Effective 09/28/2026
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Rates based on credit score
Credit Score: 780+; Credit Grade: A+; Rates effective 10/01/2026
Credit Score: 780+; Credit Grade: A+; Rates effective 10/01/2026
Credit Score: 780+; Credit Grade: A+; Rates effective 10/01/2026
All rates are based on 725 credit score
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Specific rates based on credit history and determined after application review; APR includes the cost of the loan
As Low As; Same rates for new, used, and refinance vehicles; 4.14% reflects additional 0.25% APR reduction available with automatic loan payment from a CASE checking account (must be requested at loan closing; excludes pledge, real estate, lines of credit, HELOCs, business loans and VISA's); CASE membership required; rate disclosed at closing
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Relationship APR; Relationship discount applies with multiple CFCU products
As Low As; APR* as low as; Model Year: 2022 and Newer
As Low As; Effective Date: Thursday, October 22nd, 2026
As Low As; Term shows maximum number of months for loan
As Low As; APR or Annual Percentage Rates
Term: Up to 72 Months > $15k; Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Term: Up to 72 Months > $15k; Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; Loan amount over $15k; requires full direct deposit of $2,000+ into checking
Military APR; Model Year: 2020-2021; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: Used Vehicle, 2020-2021; Auto Loan; requires full direct deposit of $2,000+ into checking
As Low As; Secured (Titled New/Used Vehicles); APR varies based on model year, term, and credit score
As Low As; New money only
Secured; Rate Match available; Effective 09/28/2026
As Low As; APR as low as
Rates accurate as of October 19, 2026; APR
As Low As; Interest begins to accrue when loan funds are disbursed
Used Vehicles (2022-2025); APR=Annual Percentage Rate; rates accurate as of October 19, 2026
As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing; Add .25% for vehicles 5 years and older
Term Based on Loan Amount; Rate with 0% Down; Credit Score: 750+
Model Year: 2026-2024; Credit Tier: A; Max 100% LTV
All rates are based on 725 credit score
As Low As; Monthly Payment Amount: $713.25; Assumes FICO 680 or better and $35,000 loan example based on maximum term
As Low As; Monthly Payment Amount: $595.63; Assumes FICO 680 or better and $35,000 loan example based on maximum term
As Low As; Monthly Payment Amount: $514.34; Assumes FICO 680 or better and $35,000 loan example based on maximum term
As Low As; New Vehicle Rates (2026 - 2023); Effective Date: Friday, October 23rd, 2026
- Oct 5, 20264.30%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Year/Amount: 2021 - 2027
As Low As; Year: 2023 and Newer; Credit score 751 and higher (A+); Financing up to 100% NADA retail value
As Low As
As Low As; APR or Annual Percentage Rates
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Term: Up to 84 Months > $25k; Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Term: Up to 84 Months > $25k; Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; Loan amount over $25k; requires full direct deposit of $2,000+ into checking
Term: Up to 72 Months > $15k; Military APR; Model Year: 2020-2021; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: 2017-2019; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: Used Vehicle, 2017-2019; Auto Loan; requires full direct deposit of $2,000+ into checking
Term: Up to 72 Months > $15k; Military APR; Model Year: Used Vehicle, 2020-2021; Auto Loan; Loan amount over $15k; requires full direct deposit of $2,000+ into checking
As Low As; Effective Date: 10/01/2026; College/Trade School Grad or Active/Retired Military discount of .25% available; rates include .25% direct deposit discount and may vary based on credit history
APR range: 4.49%-12%; Minimum Loan Amount: Min $5k
APR range: 4.49%-17%; Minimum Loan Amount: Min $10k
As Low As; Secured (Titled New/Used Vehicles); APR varies based on model year, term, and credit score
As Low As; New vehicles / motorcycles
As Low As; Minimum Loan Amount $4,000
Additional APR listed for this product: 4.74%, 4.99%, 5.74%. As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing; Add .25% for vehicles 5 years and older
Rates based on credit score
AUTO LOAN SPECIAL; Model Year: 2019-2021
Credit Score: 680-779; Credit Grade: A; Rates effective 10/01/2026
Credit Score: 680-779; Credit Grade: A; Rates effective 10/01/2026
Credit Score: 680-779; Credit Grade: A; Rates effective 10/01/2026
As Low As; APR* as low as; Model Year: 2022 and Newer
As Low As; New Vehicle Rates (2026 - 2023); Effective Date: Friday, October 23rd, 2026
- Oct 5, 20264.50%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Used Vehicle Rates (2022 - 2018); Effective Date: Friday, October 23rd, 2026; For salvage/rebuilt title, call (248) 619-0440 for a rate quote
As Low As; Model Year: 2021 and newer; Effective Date: October 1, 2026
Secured; Rate Match available; Effective 09/28/2026
APR range: 4.55%-17.95%; Row: New - 24 Mo; Effective Date: 06/29/2026
Credit Score: 700-800
Credit Score: 700-800; Effective Date: October 1, 2026; *No discounts on the interest rate if an Auto-Up Loan
APR as low as; APR = annual percentage rate and reflects the current minimum APR offered.
As Low As; Year: 2021-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum
As Low As; Year: 2023 and Newer; Credit score 751 and higher (A+); Financing up to 100% NADA retail value
APR range: 4.65%-17.95%; Row: New - 36 Mo; Effective Date: 06/29/2026
As Low As; Year/Amount: 2021 - 2027
As Low As; Minimum Loan Amount $7,500
As Low As; New & Used; Model Year: 2016 - 2026
As Low As; APR* as low as; Model Year: 2022 and Newer
As Low As; Effective Date: Thursday, October 22nd, 2026
As Low As; Term shows maximum number of months for loan
As Low As; APR or Annual Percentage Rates
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Model Year: 2022 and Newer
As Low As; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; 4.74% includes 0.25% discount for Payment Protection or active checking with full payroll direct deposit of $2,000+ per month
Term: Up to 72 Months > $15k; Military APR; Model Year: 2017-2019; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Term: Up to 72 Months > $15k; Military APR; Model Year: Used Vehicle, 2017-2019; Auto Loan; Loan amount over $15k; requires full direct deposit of $2,000+ into checking
As Low As; APR as low as *
- Sep 18, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; APR as low as1
As Low As; APR as low as1
As Low As; APR as low as1
APR range: 4.74%-17.50%; Minimum Loan Amount: Min $10k
As Low As; Model years 2026-2027 (no title)
As Low As; Model years 2026-2027 (no title); Minimum loan amount $5,000
As Low As; Model years 2027 and older (previously titled)
As Low As; Model years 2027 and older (previously titled); Minimum loan amount $5,000
As Low As; Payment per $1,000 not recorded
As Low As; Payment per $1,000 not recorded
As Low As; Payment per $1,000 not recorded
As Low As; Minimum loan amount of $25,001 required
As Low As; Model Year: 2021 and newer; Effective Date: October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; Loan Amount: >15,000.00; New money only
As Low As; Auto Loan Rates, New vehicles; Consumer Loan APR; individual rates vary by credit history and underwriting
As Low As; As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month; Rates effective 10/13/2026
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
APR range: 4.75%-17.95%; Row: New - 48 Mo; Effective Date: 06/29/2026
Model Year: 2026-2024; Credit Tier: A; Max 100% LTV
Model Year: 2023-2021; Credit Tier: A; Max 100% LTV
As Low As; Apply Today
As Low As; Model Year: 2021 and Newer; APR As Low As with Direct Deposit
For cars years 2025 and newer
For cars years 2025 and newer
For cars years 2024 and older
For cars years 2024 and older
As Low As; New vehicles / motorcycles; Borrowing over $25,000.00
Refinancing of New and Used Vehicle Loans when a rate decreases will be allowed only on vehicles financed with the credit union within the previous 30 days.
As Low As; Terms available up to 96 months
As Low As; Terms available up to 84 months
As Low As; Terms available up to 72 months
84 month term on new vehicles only based on credit score; All rates are based on 725 credit score
As Low As; Monthly Payment Amount: $522.43; Assumes FICO 680 or better and $35,000 loan example based on maximum term
Bay City New Auto Auto Loan Rates
As Low As; Year of Vehicle: 2024 & Newer; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Year of Vehicle: 2024 & Newer; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Year of Vehicle: 2024 & Newer; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Maximum Amount: 100% purchase price of vehicle; Term limits apply. Call Credit Union for details.
As Low As; Model Year: 2018 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026
As Low As; Model Year: 2021 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026
As Low As; Model Year: 2025 or newer
As Low As; Year of Vehicle: 2024 & Newer; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Model Year: 2022 - Newer; Rates based on applicant(s) credit score; Effective 10/18/2026
As Low As; Year of Vehicle: 2024 & Newer; Minimum $10,000 Loan; 90 Days No Payment; Credit approval required; excludes $35.00 processing fee
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; requires full direct deposit of $2,000+ into checking
All rates are based on 725 credit score
All rates are based on 725 credit score
As Low As; Model Year: 2022 and Newer
As Low As; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan
As Low As; APR as low as1
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
All rates are based on 725 credit score
AUTO LOAN SPECIAL; Model Year: 2022-2027
As Low As; New Vehicle Rates (2026 - 2023); Effective Date: Friday, October 23rd, 2026
Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; requires full direct deposit of $2,000+ into checking
APR range: 3.99%-11.50%; Minimum Loan Amount: Min $5k
As Low As; New vehicles / motorcycles
Secured; Rate Match available; Effective 09/28/2026
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Rates based on credit score
All rates are based on 725 credit score
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Same rates for new, used, and refinance vehicles; 4.14% reflects additional 0.25% APR reduction available with automatic loan payment from a CASE checking account (must be requested at loan closing; excludes pledge, real estate, lines of credit, HELOCs, business loans and VISA's); CASE membership required; rate disclosed at closing
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Relationship APR; Relationship discount applies with multiple CFCU products
As Low As; APR* as low as; Model Year: 2022 and Newer
As Low As; Effective Date: Thursday, October 22nd, 2026
As Low As; Term shows maximum number of months for loan
Term: Up to 72 Months > $15k; Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Term: Up to 72 Months > $15k; Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; Loan amount over $15k; requires full direct deposit of $2,000+ into checking
As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing; Add .25% for vehicles 5 years and older
Term Based on Loan Amount; Rate with 0% Down; Credit Score: 750+
Model Year: 2026-2024; Credit Tier: A; Max 100% LTV
All rates are based on 725 credit score
As Low As; Monthly Payment Amount: $713.25; Assumes FICO 680 or better and $35,000 loan example based on maximum term
As Low As; Monthly Payment Amount: $595.63; Assumes FICO 680 or better and $35,000 loan example based on maximum term
As Low As; Monthly Payment Amount: $514.34; Assumes FICO 680 or better and $35,000 loan example based on maximum term
As Low As; New Vehicle Rates (2026 - 2023); Effective Date: Friday, October 23rd, 2026
- Oct 5, 20264.30%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Term: Up to 84 Months > $25k; Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Term: Up to 84 Months > $25k; Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; Loan amount over $25k; requires full direct deposit of $2,000+ into checking
APR range: 4.49%-12%; Minimum Loan Amount: Min $5k
APR range: 4.49%-17%; Minimum Loan Amount: Min $10k
As Low As; Minimum Loan Amount $4,000
Additional APR listed for this product: 4.74%, 4.99%, 5.74%. As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing; Add .25% for vehicles 5 years and older
Rates based on credit score
AUTO LOAN SPECIAL; Model Year: 2019-2021
As Low As; APR* as low as; Model Year: 2022 and Newer
As Low As; New Vehicle Rates (2026 - 2023); Effective Date: Friday, October 23rd, 2026
- Oct 5, 20264.50%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2021 and newer; Effective Date: October 1, 2026
APR range: 4.55%-17.95%; Row: New - 24 Mo; Effective Date: 06/29/2026
As Low As; Year: 2021-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum
APR range: 4.65%-17.95%; Row: New - 36 Mo; Effective Date: 06/29/2026
As Low As; Minimum Loan Amount $7,500
As Low As; APR* as low as; Model Year: 2022 and Newer
As Low As; Term shows maximum number of months for loan
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Model Year: 2022 and Newer
As Low As; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; 4.74% includes 0.25% discount for Payment Protection or active checking with full payroll direct deposit of $2,000+ per month
As Low As; APR as low as *
- Sep 18, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; APR as low as1
As Low As; APR as low as1
As Low As; APR as low as1
APR range: 4.74%-17.50%; Minimum Loan Amount: Min $10k
As Low As; Model years 2026-2027 (no title)
As Low As; Model years 2026-2027 (no title); Minimum loan amount $5,000
As Low As; Model Year: 2021 and newer; Effective Date: October 1, 2026
As Low As; Model Year: 2024 and Newer
As Low As; Auto Loan Rates, New vehicles; Consumer Loan APR; individual rates vary by credit history and underwriting
Credit Level: Gold; Credit Score: 730 and Up; Financing: 100%
APR range: 4.75%-17.95%; Row: New - 48 Mo; Effective Date: 06/29/2026
Model Year: 2026-2024; Credit Tier: A; Max 100% LTV
Model Year: 2023-2021; Credit Tier: A; Max 100% LTV
As Low As; Apply Today
As Low As; Model Year: 2021 and Newer; APR As Low As with Direct Deposit
For cars years 2025 and newer
For cars years 2025 and newer
Refinancing of New and Used Vehicle Loans when a rate decreases will be allowed only on vehicles financed with the credit union within the previous 30 days.
As Low As; Terms available up to 96 months
84 month term on new vehicles only based on credit score; All rates are based on 725 credit score
Bay City Used Auto Auto Loan Rates
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Maximum Amount: 100% purchase price of vehicle; Term limits apply. Call Credit Union for details.
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Year of Vehicle: 2015 & Newer; 90 Days No Payment; Credit approval required
As Low As; Year of Vehicle: 2021 & Newer; 90 Days No Payment; Credit approval required
As Low As; Vehicle Model Years: All Years; Effective Date: October 02, 2026
Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; requires full direct deposit of $2,000+ into checking
All rates are based on 725 credit score
All rates are based on 725 credit score
As Low As; Model Year: 2022 and Newer
As Low As; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan
As Low As; APR as low as1
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
Secured; Rate Match available; Effective 09/28/2026
All rates are based on 725 credit score
AUTO LOAN SPECIAL; Model Year: 2022-2027
Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; requires full direct deposit of $2,000+ into checking
APR range: 3.99%-11.50%; Minimum Loan Amount: Min $5k
Secured; Rate Match available; Effective 09/28/2026
All rates are based on 725 credit score
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Same rates for new, used, and refinance vehicles; 4.14% reflects additional 0.25% APR reduction available with automatic loan payment from a CASE checking account (must be requested at loan closing; excludes pledge, real estate, lines of credit, HELOCs, business loans and VISA's); CASE membership required; rate disclosed at closing
Term: Up to 72 Months > $15k; Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Term: Up to 72 Months > $15k; Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; Loan amount over $15k; requires full direct deposit of $2,000+ into checking
Military APR; Model Year: 2020-2021; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: Used Vehicle, 2020-2021; Auto Loan; requires full direct deposit of $2,000+ into checking
Secured; Rate Match available; Effective 09/28/2026
As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing; Add .25% for vehicles 5 years and older
Term Based on Loan Amount; Rate with 0% Down; Credit Score: 750+
All rates are based on 725 credit score
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
Term: Up to 84 Months > $25k; Military APR; Model Year: 2022 and Newer; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Term: Up to 84 Months > $25k; Military APR; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; Loan amount over $25k; requires full direct deposit of $2,000+ into checking
Term: Up to 72 Months > $15k; Military APR; Model Year: 2020-2021; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: 2017-2019; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Military APR; Model Year: Used Vehicle, 2017-2019; Auto Loan; requires full direct deposit of $2,000+ into checking
Term: Up to 72 Months > $15k; Military APR; Model Year: Used Vehicle, 2020-2021; Auto Loan; Loan amount over $15k; requires full direct deposit of $2,000+ into checking
APR range: 4.49%-12%; Minimum Loan Amount: Min $5k
APR range: 4.49%-17%; Minimum Loan Amount: Min $10k
As Low As; Minimum Loan Amount $4,000
Additional APR listed for this product: 4.74%, 4.99%, 5.74%. As Low As; APR**; As low as rate includes 0.25% discount for auto payment setup at loan closing; Add .25% for vehicles 5 years and older
AUTO LOAN SPECIAL; Model Year: 2019-2021
As Low As; Used Vehicle Rates (2022 - 2018); Effective Date: Friday, October 23rd, 2026; For salvage/rebuilt title, call (248) 619-0440 for a rate quote
As Low As; Model Year: 2021 and newer; Effective Date: October 1, 2026
Secured; Rate Match available; Effective 09/28/2026
As Low As; Year: 2021-2026; Maximum LTV: Up to 90%; Heroes Program Maximum LTV: Up to 115%; Minimum Loan Amount: $3,500 Minimum
As Low As; Minimum Loan Amount $7,500
As Low As; Effective Date: Thursday, October 22nd, 2026
As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value
As Low As; Model Year: 2022 and Newer
As Low As; Model Year: New or Used Vehicle, 2022 and Newer; Auto Loan; 4.74% includes 0.25% discount for Payment Protection or active checking with full payroll direct deposit of $2,000+ per month
Term: Up to 72 Months > $15k; Military APR; Model Year: 2017-2019; Requires full direct deposit of $2,000 or more into checking; 1% military rate discount terms apply
Term: Up to 72 Months > $15k; Military APR; Model Year: Used Vehicle, 2017-2019; Auto Loan; Loan amount over $15k; requires full direct deposit of $2,000+ into checking
As Low As; APR as low as *
- Sep 18, 20264.74%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; APR as low as1
As Low As; APR as low as1
As Low As; APR as low as1
APR range: 4.74%-17.50%; Minimum Loan Amount: Min $10k
As Low As; Model years 2027 and older (previously titled)
As Low As; Model years 2027 and older (previously titled); Minimum loan amount $5,000
As Low As; Model Year: 2021 and newer; Effective Date: October 1, 2026
As Low As; Model Year: 2024 and Newer
For cars years 2024 and older
For cars years 2024 and older
As Low As; Terms available up to 84 months
As Low As; Terms available up to 72 months
As Low As; Monthly Payment Amount: $522.43; Assumes FICO 680 or better and $35,000 loan example based on maximum term
Bay City, MI Auto Loan Rate Trends
Compare local Bay City, MI 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.
Michigan new auto rates rose 0.061 points over the past 7 days to 5.227% APR.
Michigan used auto rates rose 0.008 points over the past 7 days to 5.912% APR.
Bay City, MI 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 Michigan 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 Michigan APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.23% APR MI average | Used Auto @ 5.91% APR MI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.63/mo | $289.38/mo | $4.75/mo |
| $25,000 | $474.39/mo | $482.30/mo | $7.91/mo |
| $35,000 | $664.14/mo | $675.22/mo | $11.08/mo |
| $45,000 | $853.90/mo | $868.14/mo | $14.25/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 Bay City, Michigan
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Bay City, Michigan 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 Michigan. 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 Bay City, Michigan 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: Bay City, Michigan CD rates lock in a guaranteed return until you’re ready to buy
Michigan Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $569 monthly car payment works out to roughly 15.9% of the median individual income in Michigan. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Bay City, Michigan, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Bay City, Michigan. We’ve prefilled the APR with today’s MI 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 Bay City, Michigan 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 Bay City, Michigan 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 Bay City, Michigan. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MI.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Bay City, Michigan
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Bay City, Michigan
How does my credit score affect my car loan rate in Michigan?
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 Bay City, Michigan?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Bay City, Michigan?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Bay City, Michigan?
- Frankenmuth Credit Union: 4.48% (Auto Loan Special)
- Jolt Credit Union: 4.79% (New Auto Loan - 90 Days No Payment)
- United Financial Credit Union: 4.90% (New & Used Auto Loans)
- Financial Plus Credit Union Flint, MI: 4.99% (Vehicle Loans)
- Wildfire Credit Union: 5.09% (Auto Loan - Autos 2018 - Newer)
Bay City, Michigan Rates & Resources
