Arden Hills, Minnesota Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Arden Hills, Minnesota auto loan rates range from 3.79% to 5.99% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Arden Hills, Minnesota include Heartland Credit Union Inver Grove Heights, MNHeartland Credit Union Inver Grove Heights, MN4001 Lexington Ave N, Arden Hills, MN, 55126A+5.0 ★Texas Ratio: 4.68% offering New & Used Vehicle Loan at 4.49%, Royal Credit UnionRoyal Credit Union1200 West County Rd E Suite 200, Arden Hills, MN, 55112A+5.0 ★Texas Ratio: 3.17% offering Vehicle Loan (2023 & Newer Vehicles) at 4.54%, Carpenters Federal Credit UnionCarpenters Federal Credit UnionA+5.0 ★Texas Ratio: 2.61% offering 2022 - 2026 New & Used Vehicles Loan at 3.79%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Hometown Federal Credit UnionHometown Federal Credit UnionA+5.0 ★Texas Ratio: 3.52% offering 2025 & Newer Auto Loan at 3.99%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Arden Hills has 2 local institutions in our database, with auto loan rates as low as 4.49% APR from Heartland Credit Union Inver Grove Heights, MN at 4001 Lexington Ave N, Arden Hills, MN, 55126. 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 Arden Hills, Minnesota. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Arden Hills, Minnesota & Surrounding Area
Arden Hills Auto Loan Rates
Model Year: 2021 and Newer; ***
- Sep 26, 20264.49%▼ from 4.69%
- Sep 14, 20264.69%first recorded
Auto Loans As Low As 4.54% APR
Model Year: 2021 and Newer; ***
- Sep 26, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
Model Year: 2020 and Older; ***
- Sep 26, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
Model Year: 2021 and Newer; ***
- Sep 26, 20265.24%▼ from 5.44%
- Sep 14, 20265.44%first recorded
Model Year: 2021 and Newer; ***; min. $25,000
- Sep 26, 20265.49%▼ from 5.69%
- Sep 14, 20265.69%first recorded
Model Year: 2020 and Older; ***
- Sep 26, 20265.49%▼ from 5.69%
- Sep 14, 20265.69%first recorded
Model Year: 2020 and Older; ***; min $20,000
- Sep 26, 20265.99%▼ from 6.19%
- Sep 14, 20266.19%first recorded
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Model Year: New Auto 2025 & Newer
Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.
Model Year: New Auto 2025 & Newer
- Oct 9, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As
- Oct 9, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Model Year: 2022 & Newer
As low as*; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.
No payments for 60 days. Other terms and rates available.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Loan Payment Example: An Auto Loan of $33,000 at a rate of 4.24% rate (4.39% APR) for a 60-month term would result in a monthly payment of approximately $611.33.
- Oct 10, 20264.39%▼ from 5.40%
- Sep 14, 20265.40%first recorded
Model Year: New Auto 2025 & Newer
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Published APR range: 4.49% - 11.49%.
Additional APR listed for this product: 4.74%, 5.24%. As Low As
As Low As
- Oct 10, 20264.49%▲ from 4.24%
- Sep 22, 20264.24%▲ from 3.99%
- Sep 18, 20263.99%first recorded
Published rate range: as low as 4.50%. As Low As
Vehicles older than 7 years prior to current year receive the "Classic" rate. As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category. Example: 0-36 months term category uses 36 months to estimate the monthly payment per $40,000.
- Oct 9, 20264.66%▲ from 4.41%
- Sep 29, 20264.41%first recorded
As low as
As low as
Model Years: 2021 and Newer; As Low As
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Offer valid on new/used auto. All loans are subject to standard credit approval terms and risk analysis. The APR available varies from 4.74% to 14.24%, depending on credit score and length of financing.
As Low As; new up to 100% financing
As Low As; used up to 90% financing
Additional APR listed for this product: 4.99%, 5.49%. As Low As
As Low As
As Low As; Model Year: 2022 & Newer
loan rates start at
Term: 2018 - 2022 model years; Other terms and rates available.
As Low As; Loan Term
Additional APR listed for this product: 6.38%. Age of Vehicle: 0-2 years
Model Year: New Auto 2025 & Newer
New (2026/2025) less than 7,500 miles; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount - OR - GAP or MRC - 0.25% discount; Max discount of 0.50%
- Oct 9, 20264.89%▼ from 12.50%
- Sep 18, 202612.50%first recorded
Additional APR listed for this product: 6.45%. Age of Vehicle: 0-2 years
Additional APR listed for this product: 6.35%. Age of Vehicle: 0-2 years
2024 and newer
As low as
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As low as
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Model Years: 2021 and Newer; As Low As
As Low As
As Low As; Model Year: 2021 and newer
- Sep 26, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; *
Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000
Offer valid on new/used auto. APR - Annual Percentage Rate. All loans are subject to standard credit approval terms and risk analysis. The APR available varies from 4.99% to 14.49%, depending on credit score and length of financing. Price adjustment*: 1% for 2015-2011 collateral, max term 60 months.
Published APR range: 4.99% - 11.99%.
As low as; ZERO DOWN*
As low as; ZERO DOWN*
Additional APR listed for this product: 5.24%, 5.74%. As Low As
As Low As; *
- Oct 9, 20264.99%▲ from 4.49%
- Sep 22, 20264.49%▼ from 4.74%
- Sep 18, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.
As Low As
As Low As
As Low As
- Oct 10, 20264.99%▲ from 4.74%
- Sep 22, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Model Year: 2021 - 2020
Published rate range: as low as 5.00%. As Low As
loan rates start at
As Low As; rates start at; Effective December 15, 2025
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
Additional APR listed for this product: 6.43%. Age of Vehicle: 0-2 years
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.08%▲ from 4.83%
- Sep 29, 20264.83%first recorded
As Low As
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.09%▲ from 4.84%
- Sep 29, 20264.84%first recorded
Additional APR listed for this product: 6.63%. Age of Vehicle: 0-2 years
Additional APR listed for this product: 7.14%. Age of Vehicle: 3-5 years
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.12%▲ from 4.87%
- Sep 29, 20264.87%first recorded
As Low As; Model Year: 2022 & Newer
2024 and newer
As Low As
Additional APR listed for this product: 7.20%. Age of Vehicle: 3-5 years
Additional APR listed for this product: 7.10%. Age of Vehicle: 3-5 years
As low as; ZERO DOWN*
Additional APR listed for this product: 6.71%. Age of Vehicle: 0-2 years
2020 - 2023 model years.
As low as
- Sep 29, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2021 and newer
- Sep 26, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Model Year: 2021 and newer
- Sep 26, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
- Sep 26, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
- Sep 26, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Published APR range: 5.24% - 12.24%.
Additional APR listed for this product: 5.49%. As Low As
As Low As; *
- Oct 9, 20265.24%▲ from 4.74%
- Sep 22, 20264.74%▼ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As
As Low As
As Low As; Model Year: 2019 - 2017
As Low As; Model Year: 2021 - 2020
As Low As; Model Year: 2022 & Newer
As Low As; *
As low as*; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.
As Low As; rates start at; Effective December 15, 2025
As Low As; Rates start at; effective December 15, 2025
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
As Low As
As low as; ZERO DOWN*
As low as; ZERO DOWN*
As low as; ZERO DOWN*
Additional APR listed for this product: 7.31%. Age of Vehicle: 3-5 years
Additional APR listed for this product: 7.18%. Age of Vehicle: 3-5 years
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Model Year: New Auto 2025 & Newer
Additional APR listed for this product: 7.38%. Age of Vehicle: 3-5 years
New (2026/2025) less than 7,500 miles; Max discount of 0.50%
- Oct 9, 20265.39%▼ from 12.50%
- Sep 18, 202612.50%first recorded
As Low As
- Oct 10, 20265.39%▲ from 5.14%
- Sep 22, 20265.14%▲ from 4.89%
- Sep 18, 20264.89%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As low as
- Sep 29, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As low as
- Sep 29, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Model Years: 2021 and Newer; As Low As
2021 & Newer
As Low As; Model Year: 2021 and newer
- Sep 26, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
- Sep 26, 20265.49%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000
Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000
Published APR range: 5.49% - 12.49%.
As Low As; *
- Oct 9, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%▼ from 5.24%
- Sep 18, 20265.24%first recorded
Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.
As Low As
As Low As
As Low As
As Low As
As Low As
- Oct 10, 20265.49%▲ from 4.99%
- Sep 18, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Published rate range: as low as 5.50%. As Low As
Published rate range: as low as 5.50%. As Low As
loan rates start at
loan rates start at
As low as*; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.
As Low As; rates start at; Effective December 15, 2025
As Low As; Rates start at; effective December 15, 2025
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As
As Low As; Model Year: 2022 & Newer
As low as; ZERO DOWN*
As low as; ZERO DOWN*
Additional APR listed for this product: 7.64%. Age of Vehicle: 6-10 years
New (2026/2025) less than 7,500 miles; Automatic Payroll Deduction - 0.25% discount; New Member - 0.25% discount - OR - GAP or MRC - 0.25% discount; Max discount of 0.50%
As Low As; Model Year: 2021 - 2020
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Additional APR listed for this product: 7.70%. Age of Vehicle: 6-10 years
Additional APR listed for this product: 7.60%. Age of Vehicle: 6-10 years
As low as
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Model Years: 2021 and Newer; As Low As
As Low As
- Oct 9, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
- Sep 26, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Credit Score: A+; Paper Grade: 730 & UP; LTV: 100%; Maximum Amount: $100,000
Credit Score: A; Paper Grade: 680 - 729; LTV: 100%; Maximum Amount: $70,000
Published APR range: 5.74% - 12.74%.
Published APR range: 5.74% - 12.74%.
As Low As; ***
- Sep 22, 20265.74%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Arden Hills New Auto Auto Loan Rates
Model Year: 2021 and Newer; ***
- Sep 26, 20264.49%▼ from 4.69%
- Sep 14, 20264.69%first recorded
Auto Loans As Low As 4.54% APR
Model Year: 2021 and Newer; ***
- Sep 26, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
Model Year: 2021 and Newer; ***
- Sep 26, 20265.24%▼ from 5.44%
- Sep 14, 20265.44%first recorded
Model Year: 2021 and Newer; ***; min. $25,000
- Sep 26, 20265.49%▼ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Model Year: New Auto 2025 & Newer
Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.
Model Year: New Auto 2025 & Newer
- Oct 9, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Model Year: 2022 & Newer
As low as*; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.
No payments for 60 days. Other terms and rates available.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Model Year: New Auto 2025 & Newer
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Published APR range: 4.49% - 11.49%.
As Low As
- Oct 10, 20264.49%▲ from 4.24%
- Sep 22, 20264.24%▲ from 3.99%
- Sep 18, 20263.99%first recorded
Published rate range: as low as 4.50%. As Low As
Vehicles older than 7 years prior to current year receive the "Classic" rate. As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category. Example: 0-36 months term category uses 36 months to estimate the monthly payment per $40,000.
- Oct 9, 20264.66%▲ from 4.41%
- Sep 29, 20264.41%first recorded
As low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Offer valid on new/used auto. All loans are subject to standard credit approval terms and risk analysis. The APR available varies from 4.74% to 14.24%, depending on credit score and length of financing.
As Low As; new up to 100% financing
As Low As; Model Year: 2022 & Newer
loan rates start at
Model Year: New Auto 2025 & Newer
2024 and newer
As low as
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Model Year: 2021 and newer
- Sep 26, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; *
Offer valid on new/used auto. APR - Annual Percentage Rate. All loans are subject to standard credit approval terms and risk analysis. The APR available varies from 4.99% to 14.49%, depending on credit score and length of financing. Price adjustment*: 1% for 2015-2011 collateral, max term 60 months.
Published APR range: 4.99% - 11.99%.
Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.
As Low As
- Oct 10, 20264.99%▲ from 4.74%
- Sep 22, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
Published rate range: as low as 5.00%. As Low As
loan rates start at
As Low As; rates start at; Effective December 15, 2025
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.08%▲ from 4.83%
- Sep 29, 20264.83%first recorded
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.09%▲ from 4.84%
- Sep 29, 20264.84%first recorded
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.12%▲ from 4.87%
- Sep 29, 20264.87%first recorded
As Low As; Model Year: 2022 & Newer
2024 and newer
As low as
- Sep 29, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2021 and newer
- Sep 26, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Model Year: 2021 and newer
- Sep 26, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
- Sep 26, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
- Sep 26, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Published APR range: 5.24% - 12.24%.
As Low As; Model Year: 2022 & Newer
As low as*; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.
As Low As; rates start at; Effective December 15, 2025
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Model Year: New Auto 2025 & Newer
As Low As
- Oct 10, 20265.39%▲ from 5.14%
- Sep 22, 20265.14%▲ from 4.89%
- Sep 18, 20264.89%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As low as
- Sep 29, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Year: 2021 and newer
- Sep 26, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
- Sep 26, 20265.49%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Published APR range: 5.49% - 12.49%.
Model Year: 2023 and newer; 87 month term requires minimum financed amount of $25,000.; 73-84 month term requires minimum financed amount of $25,000.; Annual Percentage Rate (APR) and terms may vary depending upon credit qualifications, age of collateral, payment protection package, and Direct Deposit of payroll, social security or retirement with AutoPay set up from a Genisys checking or savings account. Approximate monthly payment would be04% for 36 months.; 90 days no payment offer available to credit scores of 660 and higher. Interest accrues during the deferral period.
As Low As
- Oct 10, 20265.49%▲ from 4.99%
- Sep 18, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Published rate range: as low as 5.50%. As Low As
loan rates start at
As low as*; ALL UNTITLED COLLATERAL WILL HAVE A 1% RATE INCREASE.
As Low As; rates start at; Effective December 15, 2025
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As; Model Year: 2022 & Newer
- Sep 26, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Published APR range: 5.74% - 12.74%.
Arden Hills Used Auto Auto Loan Rates
Model Year: 2021 and Newer; ***
- Sep 26, 20264.49%▼ from 4.69%
- Sep 14, 20264.69%first recorded
Model Year: 2021 and Newer; ***
- Sep 26, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
Model Year: 2021 and Newer; ***
- Sep 26, 20265.24%▼ from 5.44%
- Sep 14, 20265.44%first recorded
Model Year: 2021 and Newer; ***; min. $25,000
- Sep 26, 20265.49%▼ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As
- Oct 9, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Vehicles older than 7 years prior to current year receive the "Classic" rate. As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category. Example: 0-36 months term category uses 36 months to estimate the monthly payment per $40,000.
- Oct 9, 20264.66%▲ from 4.41%
- Sep 29, 20264.41%first recorded
As low as
As Low As
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Offer valid on new/used auto. All loans are subject to standard credit approval terms and risk analysis. The APR available varies from 4.74% to 14.24%, depending on credit score and length of financing.
As Low As; used up to 90% financing
Term: 2018 - 2022 model years; Other terms and rates available.
As low as
- Sep 29, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Offer valid on new/used auto. APR - Annual Percentage Rate. All loans are subject to standard credit approval terms and risk analysis. The APR available varies from 4.99% to 14.49%, depending on credit score and length of financing. Price adjustment*: 1% for 2015-2011 collateral, max term 60 months.
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.00%▼ from 5.25%
- Sep 17, 20265.25%first recorded
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.08%▲ from 4.83%
- Sep 29, 20264.83%first recorded
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.09%▲ from 4.84%
- Sep 29, 20264.84%first recorded
As Low As rate includes a 0.25% reduction when the loan amount financed is 80% or less of the NADA retail, MSRP, or applicable value. Transportation loans are eligible for the 0.50% electronic payment such as direct deposit, payroll deduction, or automatic withdrawal, which is also reflected in the advertised rate. If electronic payments are discontinued, the loan rate will increase 0.50%. Discount is not available on all loan types. Payment examples are calculated using the highest term in each rate category.
- Oct 9, 20265.12%▲ from 4.87%
- Sep 29, 20264.87%first recorded
2020 - 2023 model years.
As Low As
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; *
As Low As; Rates start at; effective December 15, 2025
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
As low as
- Sep 29, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
2021 & Newer
loan rates start at
As Low As; Rates start at; effective December 15, 2025
As Low As; Models 2026 New or Used; Rates effective: September 1st, 2026
- Oct 12, 20265.50%▲ from 5.25%
- Sep 17, 20265.25%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As low as
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As
- Oct 9, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Published APR range: 5.74% - 12.74%.
Arden Hills, MN Auto Loan Rate Trends
Compare local Arden Hills, MN 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.
Minnesota new auto rates rose 0.007 points over the past 7 days to 5.177% APR.
Minnesota used auto rates fell 0.020 points over the past 7 days to 5.777% APR.
Arden Hills, MN 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 Minnesota 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 Minnesota 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 @ 5.18% APR MN average | Used Auto @ 5.78% APR MN average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.28/mo | $288.44/mo | $4.16/mo |
| $25,000 | $473.81/mo | $480.74/mo | $6.93/mo |
| $35,000 | $663.33/mo | $673.03/mo | $9.70/mo |
| $45,000 | $852.85/mo | $865.33/mo | $12.48/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 Arden Hills, Minnesota
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Arden Hills, Minnesota 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 Minnesota. 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 Arden Hills, Minnesota 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: Arden Hills, Minnesota CD rates lock in a guaranteed return until you’re ready to buy
Arden Hills, Minnesota Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 19.1% of the median individual income in Arden Hills, Minnesota. 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 Arden Hills, Minnesota, 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 Arden Hills, Minnesota. We’ve prefilled the APR with today’s MN 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 Arden Hills, Minnesota 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 Arden Hills, Minnesota 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 Arden Hills, Minnesota. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MN.
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 Arden Hills, Minnesota
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 Arden Hills, Minnesota
How does my credit score affect my car loan rate in Minnesota?
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 Arden Hills, Minnesota?
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 Arden Hills, Minnesota?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Arden Hills, Minnesota?
- Heartland Credit Union Inver Grove Heights, MN: 4.49% (New & Used Vehicle Loan)
- Royal Credit Union: 4.54% (Vehicle Loan (2023 & Newer Vehicles))
- Carpenters Federal Credit Union: 3.79% (2022 - 2026 New & Used Vehicles Loan)
- Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
- Hometown Federal Credit Union: 3.99% (2025 & Newer Auto Loan)
Arden Hills, Minnesota Rates & Resources
