Auto Loan Rates in Billings, Montana (MT) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Billings, Montana. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Billings, Montana include Mountain America Federal Credit UnionMountain America Federal Credit Union875 Main St, Billings, MT, 59105A5.0 ★Texas Ratio: 11.38% offering New & used car loans at 4.99%, Intrepid Credit UnionIntrepid Credit Union1131 N 27th St, Billings, MT, 59101 0121A+5.0 ★Texas Ratio: 1.35% offering Auto Loans at 4.99%, Sky Federal Credit UnionSky Federal Credit UnionB4.6 ★Texas Ratio: 20.02% offering Vehicle Loans - NEW at 3.75%, Glendive BN Federal Credit UnionGlendive BN Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Vehicle - 2024 to 2026 at 4.00%, Southwest Montana Community Federal Credit UnionSouthwest Montana Community Federal Credit UnionA+5.0 ★Texas Ratio: 5.75% offering New Vehicles (2024-2026) at 4.24%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Billings has 2 local institutions in our database, with auto loan rates as low as 4.99% APR from Mountain America Federal Credit Union at 875 Main St, Billings, MT, 59105. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Billings, Montana. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Billings, Montana & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
875 Main St, Billings, MT, 59105
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
1131 N 27th St, Billings, MT, 59101 0121
Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - Annual Percentage Rate. Rates effective as of 1/2/2026 and subject to credit approval, collateral, and term. Certain restrictions apply. Member eligibility required.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
875 Main St, Billings, MT, 59105
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Vehicle Loans - NEW
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Vehicle Loans - USED
4.24%
84 Months
▼
APR4.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
New Vehicle
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
This Vehicle Loan Rate applies to current and previous year.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Vehicles - 2024-'26 models
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Vehicles - 2023 and older
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedMay 12, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Auto Loans (2022 or older)
4.49%
Up to 36 months (OAC)
▼
APR4.49%
TermUp to 36 months (OAC)
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles two to seven years old.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Vehicles - 2024-'26 models
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Vehicles - 2023 and older
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 12, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 6, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
All Rates are subject to change without notice. Some restrictions may apply.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Vehicles - 2024-'26 models
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Vehicles - 2023 and older
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
New Car (Model Years 2021-2026)
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Auto Loans (2022 or older)
4.99%
Up to 60 months (OAC)
▼
APR4.99%
TermUp to 60 months (OAC)
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Vehicle Loans
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Up to 3 years
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
New Vehicle
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
This Vehicle Loan Rate applies to current and previous year.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 7, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Vehicles - 2024-'26 models
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Vehicles - 2023 and older
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMay 12, 2026
Details
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Used Car (Model Years 2016 - 2020)
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
ECO Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 6, 2026
Details
This Vehicle Loan Rate applies to current and previous year and must exceed $20,000.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Auto Loans (2022 or older)
5.49%
Up to 75 months (OAC)
▼
APR5.49%
TermUp to 75 months (OAC)
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 6, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles two to seven years old.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 7, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
5.60%
84 Months
▼
APR5.60%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
New Vehicle
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details
This Vehicle Loan Rate applies to current and previous year and must exceed $20,000.0
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicles
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2016-2020)
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Vehicle Loans
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 3+ Years
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles two to seven years old.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicles
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 7, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Auto Loans (2022 or older)
6.24%
Up to 84 months (OAC)
▼
APR6.24%
TermUp to 84 months (OAC)
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 6, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicles
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles older than seven years and must exceed $20,000.
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2016-2020)
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles older than seven years.
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2016-2020)
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Auto Loans (2022 or older)
7.99%
Up to 60 months (2015 or older vehicles, OAC)
▼
APR7.99%
TermUp to 60 months (2015 or older vehicles, OAC)
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2016-2020)
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles older than seven years.
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Used Car (Model Years 2014 & Older)
8.75%
36 Months
▼
APR8.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Used Car (Model Years 2014 & Older)
9.00%
48 Months
▼
APR9.00%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Used Car (Model Years 2014 & Older)
9.25%
60 Months
▼
APR9.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
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MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
875 Main St, Billings, MT, 59105
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
875 Main St, Billings, MT, 59105
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details
As Low As
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Vehicle Loans - NEW
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
New Vehicle
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
This Vehicle Loan Rate applies to current and previous year.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Vehicles - 2024-'26 models
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedMay 12, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Vehicles - 2024-'26 models
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 12, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 6, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
All Rates are subject to change without notice. Some restrictions may apply.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Vehicles - 2024-'26 models
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
New Car (Model Years 2021-2026)
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - 2024 to 2026
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
New Vehicle
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
This Vehicle Loan Rate applies to current and previous year.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 7, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Vehicles - 2024-'26 models
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMay 12, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 6, 2026
Details
This Vehicle Loan Rate applies to current and previous year and must exceed $20,000.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 7, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
New Vehicles (2024-2026)
5.60%
84 Months
▼
APR5.60%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
New Vehicle
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details
This Vehicle Loan Rate applies to current and previous year and must exceed $20,000.0
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2024-2025 (Clean Retail)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles 2026 (MSRP)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 6, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
875 Main St, Billings, MT, 59105
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Vehicle Loans - USED
4.24%
84 Months
▼
APR4.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Vehicles - 2023 and older
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedMay 12, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles two to seven years old.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Vehicles - 2023 and older
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedMay 12, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 6, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Vehicles - 2023 and older
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 12, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Vehicles - 2023 and older
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMay 12, 2026
Details
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Used Car (Model Years 2016 - 2020)
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 6, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedMay 6, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - 2014 to 2023
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles two to seven years old.
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicles
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2016-2020)
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles two to seven years old.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicles
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 7, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2021-2023)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Used Vehicles
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles older than seven years and must exceed $20,000.
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2016-2020)
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles older than seven years.
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles 2023 - Older
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2016-2020)
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Used Vehicles (2016-2020)
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.59%
Used Vehicle
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedMay 6, 2026
Details
This includes all vehicles older than seven years.
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Used Car (Model Years 2014 & Older)
8.75%
36 Months
▼
APR8.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Used Car (Model Years 2014 & Older)
9.00%
48 Months
▼
APR9.00%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
Used Car (Model Years 2014 & Older)
9.25%
60 Months
▼
APR9.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Powered by
MonitorBankRates
Billings, MT Auto Loan Rate Trends
Compare local Billings, MT 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.
New Auto Loan — MT Avg
4.956%
▼ 0.084 vs 7 days ago
Montana new auto rates fell 0.084 points over the past 7 days to 4.956% APR.
Used Auto Loan — MT Avg
6.177%
▲ 0.639 vs 7 days ago
Montana used auto rates rose 0.639 points over the past 7 days to 6.177% APR.
As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Billings, Montana
How does my credit score affect my car loan rate in Montana?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Billings, Montana with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Montana *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Billings, Montana typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Billings, Montana?
Based on our current data, some of the lowest auto loan rates available in Billings, Montana include:
- Mountain America Federal Credit Union: 4.99% (New & used car loans)
- Intrepid Credit Union: 4.99% (Auto Loans)
- Sky Federal Credit Union: 3.75% (Vehicle Loans - NEW)
- Glendive BN Federal Credit Union: 4.00% (New Vehicle - 2024 to 2026)
- Southwest Montana Community Federal Credit Union: 4.24% (New Vehicles (2024-2026))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Billings, Montana. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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