Brian McKay
Current auto loan rates in Lewiston, Michigan include ORSA Credit UnionORSA Credit Union4970 SALLING AVENUE, LEWISTON, MI, 49756A+5.0 ★Texas Ratio: 5.71% offering New Auto Loan at 4.74%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.23% offering Fixed Rate New & Used Auto Loans - Up to 36 Months at 2.99%, LOC Credit UnionLOC Credit UnionA+5.0 ★Texas Ratio: 0.89% offering New & Used Auto Loans at 2.99%, ABD Federal Credit UnionABD Federal Credit UnionA+5.0 ★Texas Ratio: 2.42% offering New and Used Auto Loans at 3.25%, Diversified Members Credit UnionDiversified Members Credit UnionA+5.0 ★Texas Ratio: 4.56% offering New Auto Loan - 61 to 72 months at 3.50%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Lewiston has 1 local institution in our database, with auto loan rates as low as 4.74% APR from ORSA Credit Union at 4970 SALLING AVENUE, LEWISTON, MI, 49756. 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 Lewiston, Michigan. Auto Loan Rates Last Updated and Verified: September 16, 2026
APR* as low as
APR* as low as
An additional .25% rate discount is applied when payments are automatically deducted from an orsa credit union checking account. May require co-signer.
APR* as low as; (including 0.25% discount for automatic payment)
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
No payments for the first 90 days of your new loan; Up to 115% financing; Lock your rate in for up to 45 days while you shop; CARFAX Reporting
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; New Auto Loan
As Low As; New Auto Loan
As Low As; New Auto Loan
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; Auto loan rates for cars, trucks, SUVs, & vans five years old or newer. A 0.25% rate discount is included in the rates shown for members who enroll in AutoPay with direct deposit from a PDCU checking or savings account.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
New, Used or Refinance. APR is Annual Percentage Rate. Click for details.
As low as; Model Year: New Auto 2025 & Newer
As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
Minimum Loan Amount: Min $5k
As Low As
As Low As; apr = annual percent rate
As Low As
Rates are based on credit score. Terms out as far as 84 months at 5.00%. Contact the credit union for more information. Rates are subject to change without notice. Please contact the credit union to get current rate information
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As low as rate reflects additional .25% APR reduction that is available when you sign up for automatic payment of your loan from a CASE checking account (must be requested at the time of loan closing, excludes pledge loans, real estate loans, lines of credit, Home Equity Lines of Credit, business loans and VISA's).
As low as; Model Year: New Auto 2025 & Newer
Vehicles with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
As Low As;*; Model Year: 2026 - 2022
As Low As; Vehicle Model Years: 2020 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.
Relationship Rate
As Low As; Discount applied
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As
As Low As
As Low As
Loan Amount: n/a
Credit Score: 750+; Rate with 0% Down
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As; FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
As Low As; FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
As Low As; FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
As low as; Model Year: New Auto 2025 & Newer
As Low As; Year/Amount: 2021 - 2027
As Low As
As Low As
Minimum Loan Amount $4,000
As Low As
As Low As*
As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
As low as; Rate includes a .25% discount for direct deposit and may vary based on credit history.
Minimum Loan Amount: Min $5k
Minimum Loan Amount: Min $10k
As Low As
Term: Flexible Terms Available; Rates as low as; *
Term: Flexible Terms Available; Rates as low as; *
As Low As
As Low As; apr = annual percent rate
Model Year: 2022-2026
Rates are based on credit score. Terms out as far as 84 months at 5.00%. Contact the credit union for more information. Rates are subject to change without notice. Please contact the credit union to get current rate information
Model Year: 2021 and newer
Model Year: 2020 and older
Credit Score: 700-800
Credit Score: 700-800
2025-2026
APR as low as
As Low As; Year/Amount: 2021 - 2027
Minimum Loan Amount $7,500
Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
As Low As
As Low As; Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As;*; Model Year: 2026 - 2022
As Low As;*; Model Year: 2026 - 2022
2025-2026
Model Year: 2016 - 2026; Vehicle Type: Automobiles, Trucks and Street Motorcycles
As Low As; Discount applied
2025-2026
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Loyalty Discount; Model Year: 2026-2021
As Low As; Loyalty Discount; Model Year: 2026-2021
As Low As
As Low As
As Low As*
As low as; Rate includes a .25% discount for direct deposit and may vary based on credit history.
Minimum Loan Amount: Min $10k
Model Year: 2025-2026
Model Year: 2018-2024
As Low As; Vehicles with mileage over 125,000 may be subject to term and amount financed adjustments.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Rates shown are meant to serve as examples, not as an offer. 60-month financing requires a minimum loan amount of $5,000. 61-72-month financing requires a minimum loan amount of $15,000. 73-84-month financing requires a minimum loan amount of $20,000.
As Low As*; Minimum loan amount of $25,001 required.
As Low As*
As Low As*
As Low As*; Minimum loan amount of $25,001 required.
Model Year: 2021 and newer
Model Year: 2020 and older
As Low As; Model Year: 2022 - 2023
As Low As; Model Year: 2024 and Newer
Loan Amount: >15,000.00
As Low As
Year: 2023-2021; Credit Tier: Max 100%1 A Credit Tier
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Model Year: 2024 & newer
Term: borrowing over $25,000.00 61 - 72 months; As Low As; apr = annual percent rate
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. A new application must be filled out and member must sign new loan papers in order to refinance these loans.
Term: Terms vary, contact Credit Union for details.; 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. A new application must be filled out and member must sign new loan papers in order to refinance these loans.
Rates as low as
Rates as low as
Rates as low as
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
Credit Level: Gold; Credit Score: 730 and Up
As Low As; FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
2025-2026
Rate will not go below 4.50% APR. Longer terms may be available for highly qualified borrowers with adequate collateral.
Rate applies to 37 - 48 Months
As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
Credit Score: 620-699
Credit Score: 700-800
Credit Score: 620-699
Credit Score: 700-800
APR as low as
As low as; Model Year: New Auto 2025 & Newer
Minimum Loan Amount $10,000
APR as low as
As low as; Maximum Amount 100% purchase price of vehicle
2025-2026
As Low As; Year/Amount: 2021 - 2027
As Low As;*; Model Year: 2026 - 2022
Model Year: 2016 - 2026; Vehicle Type: Automobiles, Trucks and Street Motorcycles
Secured Loan Pricing - Base Rates (as low as)
Secured Loan Pricing - Base Rates (as low as)
2018-2024
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Loyalty Discount; Model Year: 2026-2021
As Low As
As Low As
As low as; Model Year: 2023 - 2024
As Low As; Your individual rate (APR) will be determined based on your credit score.
As Low As
As Low As
As Low As; Year: New Titled Vehicles - 2024 & Newer
As Low As; Year: New Titled Vehicles - 2024 & Newer
As Low As; Year: New Titled Vehicles - 2024 & Newer
As Low As; Year: New Titled Vehicles - 2024 & Newer
As Low As;*
As Low As;*
As Low As;*
As Low As;*
Interest rate for new and used cars/trucks only. Special requirements apply: Credit score of 700 plus. No late payments with Credit Union, or 30 days past due within 365 days. No bankruptcy in the last 3 years. Term based on year of vehicle. See terms below.
As Low As
As Low As*
As low as; Rate includes a .25% discount for direct deposit and may vary based on credit history.
Term: 2021 and older, up to 60 Months; Minimum Loan Amount:
Minimum Loan Amount: Min $15k
As Low As
Model Year: 2025-2026
Model Year: 2018-2024
As Low As; Vehicles with mileage over 125,000 may be subject to term and amount financed adjustments.
As Low As; Vehicles with mileage over 125,000 may be subject to term and amount financed adjustments.
Year: 2026-2025 (up to 100% LTV Max); As low as*
APR* as low as
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
No payments for the first 90 days of your new loan; Up to 115% financing; Lock your rate in for up to 45 days while you shop; CARFAX Reporting
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; New Auto Loan
As Low As; New Auto Loan
As Low As; New Auto Loan
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; Auto loan rates for cars, trucks, SUVs, & vans five years old or newer. A 0.25% rate discount is included in the rates shown for members who enroll in AutoPay with direct deposit from a PDCU checking or savings account.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As low as; Model Year: New Auto 2025 & Newer
As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
Minimum Loan Amount: Min $5k
As Low As; apr = annual percent rate
Rates are based on credit score. Terms out as far as 84 months at 5.00%. Contact the credit union for more information. Rates are subject to change without notice. Please contact the credit union to get current rate information
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As low as rate reflects additional .25% APR reduction that is available when you sign up for automatic payment of your loan from a CASE checking account (must be requested at the time of loan closing, excludes pledge loans, real estate loans, lines of credit, Home Equity Lines of Credit, business loans and VISA's).
As low as; Model Year: New Auto 2025 & Newer
As Low As; Vehicle Model Years: 2020 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.
Relationship Rate
As Low As; Discount applied
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As
Credit Score: 750+; Rate with 0% Down
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As; FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
As Low As; FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
As Low As; FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
As low as; Model Year: New Auto 2025 & Newer
As Low As
Minimum Loan Amount $4,000
As Low As
As Low As*
As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
Minimum Loan Amount: Min $5k
Minimum Loan Amount: Min $10k
Term: Flexible Terms Available; Rates as low as; *
Model Year: 2022-2026
Rates are based on credit score. Terms out as far as 84 months at 5.00%. Contact the credit union for more information. Rates are subject to change without notice. Please contact the credit union to get current rate information
Model Year: 2021 and newer
2025-2026
Minimum Loan Amount $7,500
Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
As Low As
As Low As; Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
2025-2026
Model Year: 2016 - 2026; Vehicle Type: Automobiles, Trucks and Street Motorcycles
2025-2026
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Loyalty Discount; Model Year: 2026-2021
As Low As; Loyalty Discount; Model Year: 2026-2021
As Low As
As Low As
As Low As*
Minimum Loan Amount: Min $10k
Model Year: 2025-2026
As Low As; Vehicles with mileage over 125,000 may be subject to term and amount financed adjustments.
As Low As
As Low As
As Low As
Rates shown are meant to serve as examples, not as an offer. 60-month financing requires a minimum loan amount of $5,000. 61-72-month financing requires a minimum loan amount of $15,000. 73-84-month financing requires a minimum loan amount of $20,000.
Model Year: 2021 and newer
As Low As; Model Year: 2022 - 2023
As Low As; Model Year: 2024 and Newer
Year: 2023-2021; Credit Tier: Max 100%1 A Credit Tier
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Model Year: 2024 & 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. A new application must be filled out and member must sign new loan papers in order to refinance these loans.
Term: Terms vary, contact Credit Union for details.; 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. A new application must be filled out and member must sign new loan papers in order to refinance these loans.
Rates as low as
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
Credit Level: Gold; Credit Score: 730 and Up
2025-2026
As Low As; For salvage/rebuilt title, call (248) 619-0440 for a rate quote.
As low as; Model Year: New Auto 2025 & Newer
Minimum Loan Amount $10,000
As low as; Maximum Amount 100% purchase price of vehicle
2025-2026
Model Year: 2016 - 2026; Vehicle Type: Automobiles, Trucks and Street Motorcycles
Secured Loan Pricing - Base Rates (as low as)
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Loyalty Discount; Model Year: 2026-2021
As Low As
As Low As; Your individual rate (APR) will be determined based on your credit score.
As Low As
As Low As; Year: New Titled Vehicles - 2024 & Newer
As Low As; Year: New Titled Vehicles - 2024 & Newer
As Low As; Year: New Titled Vehicles - 2024 & Newer
As Low As; Year: New Titled Vehicles - 2024 & Newer
As Low As;*
As Low As;*
As Low As;*
As Low As;*
Interest rate for new and used cars/trucks only. Special requirements apply: Credit score of 700 plus. No late payments with Credit Union, or 30 days past due within 365 days. No bankruptcy in the last 3 years. Term based on year of vehicle. See terms below.
As Low As*
Term: 2021 and older, up to 60 Months; Minimum Loan Amount:
Minimum Loan Amount: Min $15k
Model Year: 2025-2026
As Low As; Vehicles with mileage over 125,000 may be subject to term and amount financed adjustments.
APR* as low as
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
No payments for the first 90 days of your new loan; Up to 115% financing; Lock your rate in for up to 45 days while you shop; CARFAX Reporting
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As; Vehicle Model Years: All Years; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
As Low As; Auto loan rates for cars, trucks, SUVs, & vans five years old or newer. A 0.25% rate discount is included in the rates shown for members who enroll in AutoPay with direct deposit from a PDCU checking or savings account.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Minimum Loan Amount: Min $5k
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As low as rate reflects additional .25% APR reduction that is available when you sign up for automatic payment of your loan from a CASE checking account (must be requested at the time of loan closing, excludes pledge loans, real estate loans, lines of credit, Home Equity Lines of Credit, business loans and VISA's).
As Low As; Vehicle Model Years: 2020 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.
As Low As
Credit Score: 750+; Rate with 0% Down
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Minimum Loan Amount $4,000
As Low As
As Low As*
Minimum Loan Amount: Min $5k
Minimum Loan Amount: Min $10k
Term: Flexible Terms Available; Rates as low as; *
Model Year: 2020 and older
Minimum Loan Amount $7,500
Autos with over 100,000 miles are subject to an additional .50% rate increase. Certain loans may have more requirements.
As Low As
As Low As; Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Model Year: 2016 - 2026; Vehicle Type: Automobiles, Trucks and Street Motorcycles
As Low As; Discount applied
As Low As
As Low As
As Low As*
Minimum Loan Amount: Min $10k
Model Year: 2018-2024
As Low As
As Low As
As Low As
Rates shown are meant to serve as examples, not as an offer. 60-month financing requires a minimum loan amount of $5,000. 61-72-month financing requires a minimum loan amount of $15,000. 73-84-month financing requires a minimum loan amount of $20,000.
Model Year: 2020 and older
As Low As; Model Year: 2022 - 2023
As Low As; Model Year: 2024 and Newer
Year: 2023-2021; Credit Tier: Max 100%1 A Credit Tier
Year: 2026-2024; Credit Tier: Max 100%1 A Credit Tier
Rates as low as
Rates as low as
As Low As; FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Rate applies to 37 - 48 Months
Minimum Loan Amount $10,000
As low as; Maximum Amount 100% purchase price of vehicle
Model Year: 2016 - 2026; Vehicle Type: Automobiles, Trucks and Street Motorcycles
Secured Loan Pricing - Base Rates (as low as)
2018-2024
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As; Rates and terms subject to change without notice. Please contact Shore to Shore for the latest rates. Some restrictions may apply.
As Low As
As Low As
Interest rate for new and used cars/trucks only. Special requirements apply: Credit score of 700 plus. No late payments with Credit Union, or 30 days past due within 365 days. No bankruptcy in the last 3 years. Term based on year of vehicle. See terms below.
As Low As
As Low As*
Term: 2021 and older, up to 60 Months; Minimum Loan Amount:
Minimum Loan Amount: Min $15k
Model Year: 2018-2024
Compare local Lewiston, 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 fell 0.158 points over the past 7 days to 5.441% APR.
Michigan used auto rates fell 0.039 points over the past 7 days to 5.743% APR.
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.
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.
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 @ 5.44% APR MI average | Used Auto @ 5.74% APR MI average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.11/mo | $288.20/mo | $2.09/mo |
| $25,000 | $476.85/mo | $480.33/mo | $3.49/mo |
| $35,000 | $667.58/mo | $672.47/mo | $4.88/mo |
| $45,000 | $858.32/mo | $864.60/mo | $6.28/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.
A preapproval from a bank or credit union serving Lewiston, 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.
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.
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.
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.
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 25.1% of the median individual income in Lewiston, Michigan. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Lewiston, 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 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Estimate your monthly payment on a new or used vehicle in Lewiston, 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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lewiston, 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.
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Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Lewiston, 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 Lewiston, 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.