International Falls, MN Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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International Falls, Minnesota auto loan rates from lenders serving Minnesota range from 3.49% to 5.74% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in International Falls, Minnesota include SUPERIOR CHOICESUPERIOR CHOICEA+5.0 ★Texas Ratio: 4.37%Rate verified Oct 19, 2026 offering New vehicles (next, current, and prior year) at 3.49%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31%Rate verified Oct 19, 2026 offering Auto Loan at 3.84%, Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, ILA5.0 ★Texas Ratio: 8.90%Rate verified Oct 19, 2026 offering Auto Loan - New Auto 2025 & Newer at 3.99%, Federated Employees Credit UnionFederated Employees Credit UnionA+5.0 ★Texas Ratio: 0.81%Rate verified Oct 19, 2026 offering Auto Loan at 4.00%, Brainerd BN Credit UnionBrainerd BN Credit UnionA+5.0 ★Texas Ratio: 0.74%Rate verified Oct 19, 2026 offering Autos & Motorcycles at 4.04%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
International Falls borrowers have access to 40 lenders serving the Minnesota area, with auto loan rates as low as 3.49% APR from SUPERIOR CHOICE. 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 International Falls, Minnesota. Auto Loan Rates Last Updated and Verified: October 23, 2026
Compare Auto Loan Rates Today in International Falls, Minnesota & Surrounding Area
International Falls Auto Loan Rates
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; Model Year: New Auto 2025 & Newer
Model Year: 2025 and newer
As Low As; Model Year: 2025 & Newer; APR
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; Model Year: New Auto 2025 & Newer
As Low As; New Auto (2025 & Newer); rates reflect 0.50% rate decrease based on Relationship-Based Discount Program; quoted rates effective 10/01/2026
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
As Low As; Model Year: 2022 & Newer
Model Year: 2025 and newer
- Sep 18, 20264.25%▼ from 5.50%
- Sep 14, 20265.50%first recorded
Model Year: 2024
- Sep 18, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Untitled collateral will have a 1% rate increase
As Low As; Model Year: 2023 & 2024; APR
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Auto Loan Rates; APR*
Model Year: 2025 & Newer
- Oct 23, 20264.49%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; Model Year: 2020 - 2022; APR
As Low As; New Auto (2025 & Newer); rates reflect 0.50% rate decrease based on Relationship-Based Discount Program; quoted rates effective 10/01/2026
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
APR range: 4.49% - 11.49%
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20264.49%▼ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Model Year: 2024 or newer
Model Year: 2022 to New
Model Year: 2022 to New
Model Year: 2025 and newer
- Sep 18, 20264.50%▼ from 4.75%
- Sep 14, 20264.75%first recorded
Model Year: 2024
- Sep 18, 20264.50%▼ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Model Year: 2025 & Newer; APR
Add 0.25% for additional year on term (not to exceed 72 months).
Current or previous year with less than 12,000; Payment: Monthly; APR Type: Fixed
As Low As; Vehicles older than 7 years prior to current year receive the Classic rate.
Add 0.25% for additional year on term (not to exceed 72 months).
Model Year: 2024 & Older
- Oct 23, 20264.74%▲ from 4.24%
- Sep 21, 20264.24%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Years: 2021 and Newer; Terms up to 84 months available for an increased rate
As Low As; Model Year: 2020 - 2022; APR
As Low As; New Auto (2025 & Newer); rates reflect 0.50% rate decrease based on Relationship-Based Discount Program; quoted rates effective 10/01/2026
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
As Low As; Effective October 1, 2026; APR = Annual Percentage Rate; subject to evaluation of credit
Credit Score: 730 & UP; Paper Grade: A+; LTV: 100%; Maximum Amount: $100,000
As Low As; up to 100% financing & 84 month term
As Low As; up to 90% financing & 72 month term
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment
As Low As; Model Year: 2022 & Newer
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments; promo rate for A+ Tier borrowers only, max 80% LTV, collateral age 4 years or newer, max 100,000 miles
Model Year: 2022 to New
As Low As; Effective April 20, 2026 (subject to change)
Model Year: 2024
Rates effective as of 8/03/26
Rates effective as of 8/03/26
As Low As; Model Year: 2025 & Newer; APR
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20264.84%▲ from 4.64%
- Sep 22, 20264.64%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Model Year: 2020 - 2022; APR
As Low As; for vehicles age 2016 or newer; with automatic payment plan from Gate City Bank checking account; qualifications include minimum credit score of 760 and LTV of 110% or less
As Low As; 2024 and newer
As Low As; Model Year: 2024 and newer
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Years: 2021 and Newer; Terms up to 84 months available for an increased rate
As Low As; Based on Credit (Beacon) Score for Equifax Credit Services
Model Year: 2024 - 2025
As Low As; Effective October 1, 2026; APR = Annual Percentage Rate; subject to evaluation of credit
As Low As; Model Year: 2021 and newer
As Low As; Model Year 2023-Newer
Credit Grade: A+; Credit Score: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Price adjustment: 1% for 2015-2011 collateral, max term 60 months; 3% for 2010-or-older collateral, max term 36 months
Credit Score: 680 - 729; Paper Grade: A; LTV: 100%; Maximum Amount: $70,000
APR range: 4.99% - 11.99%
As Low As; Down Required: ZERO DOWN; Subject to borrower's credit history
As Low As; Down Required: ZERO DOWN; Subject to borrower's credit history
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2020 and Older; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; Model Year: 2020 and Older
- Sep 26, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Vehicle Loans
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2023 and newer; 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
APR As Low As; Minimum loan amount of $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment
As Low As; Model Year: 2023 - 2024
As Low As; Model Year: 2021 - 2020
As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Model Year: 2024 or newer
Model Year: 2022 to New
As Low As; Effective April 20, 2026 (subject to change)
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: 2025 & Newer; APR
As Low As; minimum financing amount $15,000
As Low As; Based on Credit (Beacon) Score for Equifax Credit Services
As Low As
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
As Low As
As Low As; Model Year: 2025 & Newer; APR
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2023 - 2024
As Low As; 2024 and newer
As Low As; Model Year: 2024 and newer
As Low As; Based on Credit (Beacon) Score for Equifax Credit Services
As Low As; Down Required: ZERO DOWN; Subject to borrower's credit history
Vehicle loan; rate table with monthly payment column
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; 2020 - 2023 model years.
As Low As; Model Year: 2019 - 2023 model year
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
As Low As; Effective October 1, 2026; APR = Annual Percentage Rate; subject to evaluation of credit
As Low As; Model Year: 2021 and newer
As Low As; Model Year: 2021 and newer; New or existing membership required; 0.25% rate discount with automatic payments
As Low As; Model Year: 2021 and newer; New or existing membership required; 0.25% rate discount with automatic payments
APR range: 5.24% - 12.24%
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20265.24%▼ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Vehicle Loans
- Oct 9, 20265.24%▲ from 4.74%
- Sep 18, 20264.74%first recorded
As Low As; Model Year: 2023 & Older
- Oct 19, 20265.24%▲ from 4.99%
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment
As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment
As Low As; Model Year: 2019 - 2017
As Low As; Model Year: 2021 - 2020
As Low As; Model Year: 2022 & Newer
As Low As; Rate based on creditworthiness and term of loan
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
As Low As; Used Vehicle 2016-2022
Model Year: 2021 and Older
Model Year: 2017 or older
As Low As; Untitled collateral will have a 1% rate increase
As Low As; Based on Credit (Beacon) Score for Equifax Credit Services
As Low As; Down Required: ZERO DOWN; Subject to borrower's credit history
As Low As; Down Required: ZERO DOWN; Subject to borrower's credit history
As Low As; Down Required: ZERO DOWN; Subject to borrower's credit history
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2025 & Newer (76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: New Auto 2025 & Newer; Loan terms of 73-84 months require a minimum loan amount of $15,000
Less than 6 years old; Payment: Monthly; APR Type: Fixed
Mileage: less than 7,500 miles; w/ Max Discount APR: 4.89%
As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Model Year: 2023 - 2024
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Model Year: 2020 - 2022; APR
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Years: 2021 and Newer; Terms up to 84 months available for an increased rate
Model Year: 2021 - 2023
As Low As; Model Year: 2021 and newer
As Low As; Model Year: 2021 and newer; New or existing membership required; 0.25% rate discount with automatic payments
Credit Grade: A+; Credit Score: 730 & UP; LTV: 100%; Maximum Amount: $100,000; Price adjustment: 1% for 2015-2011 collateral, max term 60 months; 3% for 2010-or-older collateral, max term 36 months
Credit Grade: A; Credit Score: 680 - 729; LTV: 100%; Maximum Amount: $70,000; Price adjustment: 1% for 2015-2011 collateral, max term 60 months; 3% for 2010-or-older collateral, max term 36 months
APR range: 5.49% - 12.49%
As Low As; Model Year: 2021 and Newer; Minimum loan amount: $25,000; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2020 and Older; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer; Minimum loan amount $25,000
- Sep 26, 20265.49%▼ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As; Model Year: 2020 and Older
- Sep 26, 20265.49%▼ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As; Model Year: 2026 Used; Vehicle Loans
As Low As; Model Year: 2023 and newer; 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
APR As Low As; Minimum loan amount of $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment
APR As Low As; Minimum loan amount of $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment
As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment
As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Rate based on creditworthiness and term of loan
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.50%▲ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Model Year: 2018 - 2023
As Low As; Model Year: 2024 or newer
Model Year: 2022 to New
Model Year: 2021 and Older
As Low As; Effective April 20, 2026 (subject to change)
As Low As; Effective April 20, 2026 (subject to change)
Model Year: 2017 or older
As Low As; Untitled collateral will have a 1% rate increase
As Low As; Model Year 2023+; Effective date October 1, 2026; Minimum loan amount $5,000; Rates include 0.25% discount for TruStone Visa Credit Card and 0.25% discount for automatic loan payment
As Low As; Model Year: 2022 & Newer
As Low As; Down Required: ZERO DOWN; Subject to borrower's credit history
As Low As; Down Required: ZERO DOWN; Subject to borrower's credit history
As Low As; Model Year: 2021 - 2020
Current or previous year with less than 12,000; APR Type: Fixed
Model Year: 2019 - 2020
Vehicle loan; rate table with monthly payment column
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Years: 2021 and Newer; Terms up to 84 months available for an increased rate
As Low As; Model Year: 2017 & Older; APR
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
As Low As; Model Year: 2021 and newer; New or existing membership required; 0.25% rate discount with automatic payments
International Falls New Auto Auto Loan Rates
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments
As Low As; Model Year: New Auto 2025 & Newer
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; Model Year: New Auto 2025 & Newer
As Low As; New Auto (2025 & Newer); rates reflect 0.50% rate decrease based on Relationship-Based Discount Program; quoted rates effective 10/01/2026
As Low As; Model Year: 2022 & Newer
As Low As; Untitled collateral will have a 1% rate increase
As Low As; Model Year: New Auto 2025 & Newer
Model Year: 2025 & Newer
- Oct 23, 20264.49%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; New Auto (2025 & Newer); rates reflect 0.50% rate decrease based on Relationship-Based Discount Program; quoted rates effective 10/01/2026
APR range: 4.49% - 11.49%
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20264.49%▼ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: 2024 or newer
Add 0.25% for additional year on term (not to exceed 72 months).
Current or previous year with less than 12,000; Payment: Monthly; APR Type: Fixed
As Low As; Vehicles older than 7 years prior to current year receive the Classic rate.
Add 0.25% for additional year on term (not to exceed 72 months).
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; New Auto (2025 & Newer); rates reflect 0.50% rate decrease based on Relationship-Based Discount Program; quoted rates effective 10/01/2026
Credit Score: 730 & UP; Paper Grade: A+; LTV: 100%; Maximum Amount: $100,000
As Low As; up to 100% financing & 84 month term
As Low As; Model Year: 2022 & Newer
As Low As; Effective April 20, 2026 (subject to change)
Rates effective as of 8/03/26
Rates effective as of 8/03/26
As Low As; Model Year: New Auto 2025 & Newer
As Low As; 2024 and newer
As Low As; Model Year: 2024 and newer
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Model Year 2023-Newer
Credit Score: 680 - 729; Paper Grade: A; LTV: 100%; Maximum Amount: $70,000
APR range: 4.99% - 11.99%
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; Model Year: 2023 and newer; 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; Model Year: 2024 And Newer
- Oct 23, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Model Year: 2024 or newer
As Low As; Effective April 20, 2026 (subject to change)
Vehicle loan; rate table with monthly payment column
As Low As; minimum financing amount $15,000
As Low As
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
As Low As
As Low As; Model Year: 2022 & Newer
As Low As; 2024 and newer
As Low As; Model Year: 2024 and newer
Vehicle loan; rate table with monthly payment column
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
APR range: 5.24% - 12.24%
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20265.24%▼ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Model Year: 2022 & Newer
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
As Low As; Untitled collateral will have a 1% rate increase
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: New Auto 2025 & Newer; Loan terms of 73-84 months require a minimum loan amount of $15,000
Mileage: less than 7,500 miles; w/ Max Discount APR: 4.89%
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
APR range: 5.49% - 12.49%
As Low As; Model Year: 2021 and Newer; Minimum loan amount: $25,000; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer; Minimum loan amount $25,000
- Sep 26, 20265.49%▼ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As; Model Year: 2023 and newer; 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; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.50%▲ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Model Year: 2024 or newer
As Low As; Effective April 20, 2026 (subject to change)
As Low As; Untitled collateral will have a 1% rate increase
As Low As; Model Year: 2022 & Newer
Current or previous year with less than 12,000; APR Type: Fixed
Vehicle loan; rate table with monthly payment column
International Falls Used Auto Auto Loan Rates
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; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20264.49%▼ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
As Low As; Vehicles older than 7 years prior to current year receive the Classic rate.
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
As Low As; up to 90% financing & 72 month term
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments; promo rate for A+ Tier borrowers only, max 80% LTV, collateral age 4 years or newer, max 100,000 miles
Rates effective as of 8/03/26
Rates effective as of 8/03/26
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
Model Year: 2024 - 2025
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; Model Year: 2023 and newer; 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; Model Year: 2024 And Newer
- Oct 23, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; minimum financing amount $15,000
As Low As
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
As Low As
As Low As; 2020 - 2023 model years.
As Low As; Model Year: 2019 - 2023 model year
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
As Low As; Model Year: 2021 and Newer; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer
- Sep 26, 20265.24%▼ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
As Low As; Used Vehicle 2016-2022
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
Less than 6 years old; Payment: Monthly; APR Type: Fixed
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
Model Year: 2021 - 2023
As Low As; Model Year: 2021 and Newer; Minimum loan amount: $25,000; Maximum rate will not exceed 18% APR
As Low As; Model Year: 2021 and Newer; Minimum loan amount $25,000
- Sep 26, 20265.49%▼ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As; Model Year: 2026 Used; Vehicle Loans
As Low As; Model Year: 2023 and newer; 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; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.50%▲ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Effective April 20, 2026 (subject to change)
Model Year: 2019 - 2020
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Year: 2024-2018; Rates reflect 0.50% decrease under Relationship-Based Discount Program
International Falls, MN Auto Loan Rate Trends
Compare local International Falls, 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 fell 0.197 points over the past 7 days to 5.171% APR.
Minnesota used auto rates fell 0.117 points over the past 7 days to 5.840% APR.
International Falls, 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 @ 5.17% APR MN average | Used Auto @ 5.84% APR MN average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.24/mo | $288.87/mo | $4.63/mo |
| $25,000 | $473.74/mo | $481.46/mo | $7.72/mo |
| $35,000 | $663.24/mo | $674.04/mo | $10.80/mo |
| $45,000 | $852.73/mo | $866.62/mo | $13.89/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 International Falls, Minnesota
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving International Falls, 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 International Falls, 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: International Falls, Minnesota CD rates lock in a guaranteed return until you’re ready to buy
International Falls, Minnesota Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $568 monthly car payment works out to roughly 15.4% of the median individual income in International Falls, 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 International Falls, 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 International Falls, 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 International Falls, 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 International Falls, 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 International Falls, 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 International Falls, 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 International Falls, 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 International Falls, 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 International Falls, Minnesota?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in International Falls, Minnesota?
- SUPERIOR CHOICE: 3.49% (New vehicles (next, current, and prior year))
- Baxter Credit Union: 3.84% (Auto Loan)
- Credit Union 1 Credit Union Rantoul, IL: 3.99% (Auto Loan - New Auto 2025 & Newer)
- Federated Employees Credit Union: 4.00% (Auto Loan)
- Brainerd BN Credit Union: 4.04% (Autos & Motorcycles)
International Falls, Minnesota Rates & Resources
