Melstone, Montana Best Auto Loan Rates - August 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 Melstone, Montana. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Melstone, Montana include 1st Liberty Federal Credit Union1st Liberty Federal Credit UnionA+5.0 ★Texas Ratio: 1.22% offering Auto Loan at 3.84%, Montana Federal Credit UnionMontana Federal Credit UnionA+5.0 ★Texas Ratio: 1.81% offering Auto Loans (2023 and newer) at 3.99%, Glendive BN Federal Credit UnionGlendive BN Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Vehicle Loan at 4.00%, Southwest Montana Community Federal Credit UnionSouthwest Montana Community Federal Credit UnionA+5.0 ★Texas Ratio: 5.39% offering New Vehicles (2024-2026) Loan at 4.24%, Mountain West Federal Credit UnionMountain West Federal Credit UnionA-4.9 ★Texas Ratio: 15.12% offering New Vehicle Loan at 4.25%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Melstone borrowers have access to 16 lenders serving the Montana area, with auto loan rates as low as 3.84% APR from 1st Liberty Federal Credit Union. 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 Melstone, Montana. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Melstone, Montana & Surrounding Area
Melstone Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Auto Loan
3.84%
2021 & Newer
▼
APR3.84%
Term2021 & Newer
Last UpdatedAug 28, 2026
Details
As Low As; *
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2023 and newer)
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; OAC
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 24 Months Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
New Vehicle Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
This Vehicle Loan Rate applies to current and previous year.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicles - 2024-'26 models Loan
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicles - 2023 and older Loan
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedAug 28, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Vehicle Loan
4.49%
60 month
▼
APR4.49%
Term60 month
Last UpdatedAug 28, 2026
Details
As low as 4.49% (60 month term)
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2022 or older)
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As*; OAC
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 36 Months Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles two to seven years old.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicles - 2024-'26 models Loan
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicles - 2023 and older Loan
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedAug 28, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedAug 28, 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: 1.82%
New Vehicles - 2024-'26 models Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicles - 2023 and older Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedAug 28, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2014 - 2019 Loan
4.90%
48mos
▼
APR4.90%
Term48mos
Last UpdatedAug 28, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2020 or newer Loan
4.90%
48mos
▼
APR4.90%
Term48mos
Last UpdatedAug 28, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.24%
Vehicle Loan
4.99%
up to 48 month term
▼
APR4.99%
Termup to 48 month term
Last UpdatedAug 28, 2026
Details
rates as low as 4.99 % APR* (up to 48 month term)
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2022 or older)
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As Low As*; OAC
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2023 and newer)
4.99%
61 to 75 months
▼
APR4.99%
Term61 to 75 months
Last UpdatedAug 28, 2026
Details
As Low As; OAC
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 48 Months Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Vehicle Loans
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; Model Year: Up to 5 years
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Auto Loan
4.99%
2018 - 2020
▼
APR4.99%
Term2018 - 2020
Last UpdatedAug 28, 2026
Details
As Low As; *
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedAug 28, 2026
Details
As low as
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
New Vehicle Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
This Vehicle Loan Rate applies to current and previous year.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicles - 2024-'26 models Loan
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicles - 2023 and older Loan
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedAug 28, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.24%
ECO Auto Loans
5.24%
84 months
▼
APR5.24%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as; 60 months
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.24%
Vehicle Loans - NEW
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedAug 28, 2026
Details
As low as; APR
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Vehicle Loan
5.24%
60 month
▼
APR5.24%
Term60 month
Last UpdatedAug 28, 2026
Details
As low as 5.24% (60 month term)
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 60 Months Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedAug 28, 2026
Details
As low as
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
5.25%
3 yrs (36 months)
▼
APR5.25%
Term3 yrs (36 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
5.25%
3 yrs (36 months)
▼
APR5.25%
Term3 yrs (36 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
New Vehicle Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedAug 28, 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: 1.03%
New Recreation Vehicles Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2014 - 2019 Loan
5.40%
72mos*
▼
APR5.40%
Term72mos*
Last UpdatedAug 28, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2020 or newer Loan
5.40%
72mos*
▼
APR5.40%
Term72mos*
Last UpdatedAug 28, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Vehicle Loan
5.49%
48 month
▼
APR5.49%
Term48 month
Last UpdatedAug 28, 2026
Details
As low as 5.49% (48 month term)
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2022 or older)
5.49%
Up to 75 months
▼
APR5.49%
TermUp to 75 months
Last UpdatedAug 28, 2026
Details
As Low As*; OAC
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
5.50%
2 yrs (24 months)
▼
APR5.50%
Term2 yrs (24 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
5.50%
4 yrs (48 months)
▼
APR5.50%
Term4 yrs (48 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
5.50%
4 yrs (48 months)
▼
APR5.50%
Term4 yrs (48 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
5.50%
2 yrs (24 months)
▼
APR5.50%
Term2 yrs (24 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Recreation Vehicles Loan
5.50%
New
▼
APR5.50%
TermNew
Last UpdatedAug 28, 2026
Details
Over $50,000- 8-10 year term
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles two to seven years old.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
5.60%
84 Months
▼
APR5.60%
Term84 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 72 Months Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
5.75%
5 yrs (60 months)
▼
APR5.75%
Term5 yrs (60 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
5.75%
5 yrs (60 months)
▼
APR5.75%
Term5 yrs (60 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
New Vehicle Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedAug 28, 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: 1.03%
New Recreation Vehicles Loan
5.75%
96 months
▼
APR5.75%
Term96 months
Last UpdatedAug 28, 2026
Details
Minimum $10,000
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Recreation Vehicles Loan
5.75%
48 months
▼
APR5.75%
Term48 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Vehicles Loan
5.75%
48 months
▼
APR5.75%
Term48 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2023 and newer)
5.99%
76 to 84 months
▼
APR5.99%
Term76 to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; OAC
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) - 24 Months Loan
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) Loan
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
6.00%
3 yrs (36 months)
▼
APR6.00%
Term3 yrs (36 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
6.00%
6 yrs (72 months)
▼
APR6.00%
Term6 yrs (72 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
6.00%
6 yrs (72 months)
▼
APR6.00%
Term6 yrs (72 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
6.00%
3 yrs (36 months)
▼
APR6.00%
Term3 yrs (36 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Vehicle Loans
6.00%
up to 60 months
▼
APR6.00%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; Model Year: 5+ Years
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - Any vehicle 12 years and older Loan
6.00%
48 months max
▼
APR6.00%
Term48 months max
Last UpdatedAug 28, 2026
Details
80% of clean retail at 48 months max. 6%. Interest rates are subject to change due to credit ratings. Call for details.
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles two to seven years old.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
6.00%
108 months
▼
APR6.00%
Term108 months
Last UpdatedAug 28, 2026
Details
Minimum $10,000
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Recreation Vehicles Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Vehicles Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedAug 28, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2013 & Older Loan
6.05%
48mos
▼
APR6.05%
Term48mos
Last UpdatedAug 28, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2013 & Older Loan
6.15%
60mos
▼
APR6.15%
Term60mos
Last UpdatedAug 28, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2022 or older)
6.24%
Up to 84 months
▼
APR6.24%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
As Low As*; OAC
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 84 Months Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
6.25%
7 yrs (84 months)
▼
APR6.25%
Term7 yrs (84 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
6.25%
7 yrs (84 months)
▼
APR6.25%
Term7 yrs (84 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2013 & Older Loan
6.25%
72mos*
▼
APR6.25%
Term72mos*
Last UpdatedAug 28, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2020 or newer Loan
6.25%
84mos**
▼
APR6.25%
Term84mos**
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
6.25%
120 months
▼
APR6.25%
Term120 months
Last UpdatedAug 28, 2026
Details
Minimum $10,000
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Recreation Vehicles Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Vehicles Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedAug 28, 2026
Details
The Family First Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.85%
New & Used Recreational/Seasonal Vehicles Loan
6.34%
up to 72
▼
APR6.34%
Termup to 72
Last UpdatedAug 28, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
6.50%
4 yrs (48 months)
▼
APR6.50%
Term4 yrs (48 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
6.50%
4 yrs (48 months)
▼
APR6.50%
Term4 yrs (48 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Recreation Vehicles Loan
6.50%
Used
▼
APR6.50%
TermUsed
Last UpdatedAug 28, 2026
Details
Over $50,000- 8-10 year term
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles older than seven years and must exceed $20,000.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
6.50%
180 months
▼
APR6.50%
Term180 months
Last UpdatedAug 28, 2026
Details
Minimum $50,000
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.24%
Vehicle Loans - USED
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as; APR
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2020 or newer Loan
6.75%
96mos***
▼
APR6.75%
Term96mos***
Last UpdatedAug 28, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2023 and newer)
6.99%
85 to 96 months
▼
APR6.99%
Term85 to 96 months
Last UpdatedAug 28, 2026
Details
As Low As; OAC
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) - 36 Months Loan
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) Loan
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
Auto Loan
6.99%
2017 & Older
▼
APR6.99%
Term2017 & Older
Last UpdatedAug 28, 2026
Details
As Low As; *
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
7.00%
5 yrs (60 months)
▼
APR7.00%
Term5 yrs (60 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
7.00%
5 yrs (60 months)
▼
APR7.00%
Term5 yrs (60 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles older than seven years.
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
New Vehicles & Recreational Equipment (Never Titled) Loan
7.25%
Up to 5 years
▼
APR7.25%
TermUp to 5 years
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
7.50%
6 yrs (72 months)
▼
APR7.50%
Term6 yrs (72 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
7.50%
6 yrs (72 months)
▼
APR7.50%
Term6 yrs (72 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) - 48 Months Loan
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) Loan
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2022 or older)
7.99%
Up to 60 months
▼
APR7.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As Low As*; 2015 or older vehicles, OAC
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) - 60 Months Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
8.00%
7 yrs to 10 yrs (84 to 120 mths)
▼
APR8.00%
Term7 yrs to 10 yrs (84 to 120 mths)
Last UpdatedAug 28, 2026
Details
Recreational Vehicles
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
New Vehicles & Recreational Equipment (Never Titled) Loan
8.00%
6 years
▼
APR8.00%
Term6 years
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles older than seven years.
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
Newer Vehicles & Recreational Equipment (2022, 2021, 2020) Loan
8.25%
Up to 5 years
▼
APR8.25%
TermUp to 5 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
New Vehicles & Recreational Equipment (Never Titled) Loan
8.75%
7 years
▼
APR8.75%
Term7 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
New Vehicles & Recreational Equipment (Never Titled) Loan
9.25%
8 years
▼
APR9.25%
Term8 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
Used Vehicles & Recreational Equipment (2019 and older) Loan
9.25%
Up to 3 years
▼
APR9.25%
TermUp to 3 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
Newer Vehicles & Recreational Equipment (2022, 2021, 2020) Loan
9.75%
6 & 7 years
▼
APR9.75%
Term6 & 7 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
Used Vehicles & Recreational Equipment (2019 and older) Loan
9.75%
4 to 6 years
▼
APR9.75%
Term4 to 6 years
Last UpdatedAug 28, 2026
Details
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Melstone New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2023 and newer)
3.99%
Up to 60 months
▼
APR3.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; OAC
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
New Vehicle Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
This Vehicle Loan Rate applies to current and previous year.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicles - 2024-'26 models Loan
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedAug 28, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Vehicle Loan
4.49%
60 month
▼
APR4.49%
Term60 month
Last UpdatedAug 28, 2026
Details
As low as 4.49% (60 month term)
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicles - 2024-'26 models Loan
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedAug 28, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedAug 28, 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: 1.82%
New Vehicles - 2024-'26 models Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedAug 28, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2020 or newer Loan
4.90%
48mos
▼
APR4.90%
Term48mos
Last UpdatedAug 28, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2023 and newer)
4.99%
61 to 75 months
▼
APR4.99%
Term61 to 75 months
Last UpdatedAug 28, 2026
Details
As Low As; OAC
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedAug 28, 2026
Details
As low as
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
New Vehicle Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
This Vehicle Loan Rate applies to current and previous year.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicles - 2024-'26 models Loan
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedAug 28, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.24%
Vehicle Loans - NEW
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedAug 28, 2026
Details
As low as; APR
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedAug 28, 2026
Details
As low as
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
5.25%
3 yrs (36 months)
▼
APR5.25%
Term3 yrs (36 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
5.25%
3 yrs (36 months)
▼
APR5.25%
Term3 yrs (36 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
New Vehicle Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedAug 28, 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: 1.03%
New Recreation Vehicles Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2020 or newer Loan
5.40%
72mos*
▼
APR5.40%
Term72mos*
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
5.50%
4 yrs (48 months)
▼
APR5.50%
Term4 yrs (48 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
5.50%
4 yrs (48 months)
▼
APR5.50%
Term4 yrs (48 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Vehicles Loan
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
New Vehicles (2024-2026) Loan
5.60%
84 Months
▼
APR5.60%
Term84 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As; New Vehicle: Current or last model year with <30,000 miles and factory warranty remaining Updated 01/01/2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
5.75%
5 yrs (60 months)
▼
APR5.75%
Term5 yrs (60 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
5.75%
5 yrs (60 months)
▼
APR5.75%
Term5 yrs (60 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
New Vehicle Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedAug 28, 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: 1.03%
New Recreation Vehicles Loan
5.75%
96 months
▼
APR5.75%
Term96 months
Last UpdatedAug 28, 2026
Details
Minimum $10,000
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2023 and newer)
5.99%
76 to 84 months
▼
APR5.99%
Term76 to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; OAC
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
6.00%
6 yrs (72 months)
▼
APR6.00%
Term6 yrs (72 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
6.00%
6 yrs (72 months)
▼
APR6.00%
Term6 yrs (72 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
6.00%
108 months
▼
APR6.00%
Term108 months
Last UpdatedAug 28, 2026
Details
Minimum $10,000
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2024-2025 (Clean Retail) New Vehicles Loan
6.25%
7 yrs (84 months)
▼
APR6.25%
Term7 yrs (84 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
New Vehicles Loan
6.25%
7 yrs (84 months)
▼
APR6.25%
Term7 yrs (84 months)
Last UpdatedAug 28, 2026
Details
2026 (MSRP)
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2020 or newer Loan
6.25%
84mos**
▼
APR6.25%
Term84mos**
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
6.25%
120 months
▼
APR6.25%
Term120 months
Last UpdatedAug 28, 2026
Details
Minimum $10,000
The Family First Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.85%
New & Used Recreational/Seasonal Vehicles Loan
6.34%
up to 72
▼
APR6.34%
Termup to 72
Last UpdatedAug 28, 2026
Details
As Low As
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
New Recreation Vehicles Loan
6.50%
180 months
▼
APR6.50%
Term180 months
Last UpdatedAug 28, 2026
Details
Minimum $50,000
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.44%
Vehicles 2020 or newer Loan
6.75%
96mos***
▼
APR6.75%
Term96mos***
Last UpdatedAug 28, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loans (2023 and newer)
6.99%
85 to 96 months
▼
APR6.99%
Term85 to 96 months
Last UpdatedAug 28, 2026
Details
As Low As; OAC
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
New Vehicles & Recreational Equipment (Never Titled) Loan
7.25%
Up to 5 years
▼
APR7.25%
TermUp to 5 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
New Vehicles & Recreational Equipment (Never Titled) Loan
8.00%
6 years
▼
APR8.00%
Term6 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
Newer Vehicles & Recreational Equipment (2022, 2021, 2020) Loan
8.25%
Up to 5 years
▼
APR8.25%
TermUp to 5 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
New Vehicles & Recreational Equipment (Never Titled) Loan
8.75%
7 years
▼
APR8.75%
Term7 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
New Vehicles & Recreational Equipment (Never Titled) Loan
9.25%
8 years
▼
APR9.25%
Term8 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
Newer Vehicles & Recreational Equipment (2022, 2021, 2020) Loan
9.75%
6 & 7 years
▼
APR9.75%
Term6 & 7 years
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Melstone Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 24 Months Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicles - 2023 and older Loan
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 36 Months Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles two to seven years old.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicles - 2023 and older Loan
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedAug 28, 2026
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicles - 2023 and older Loan
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 48 Months Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedAug 28, 2026
Details
As low as
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicles - 2023 and older Loan
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedAug 28, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Vehicle Loan
5.24%
60 month
▼
APR5.24%
Term60 month
Last UpdatedAug 28, 2026
Details
As low as 5.24% (60 month term)
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 60 Months Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Vehicle Loan
5.49%
48 month
▼
APR5.49%
Term48 month
Last UpdatedAug 28, 2026
Details
As low as 5.49% (48 month term)
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
5.50%
2 yrs (24 months)
▼
APR5.50%
Term2 yrs (24 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
5.50%
2 yrs (24 months)
▼
APR5.50%
Term2 yrs (24 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles two to seven years old.
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 72 Months Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Recreation Vehicles Loan
5.75%
48 months
▼
APR5.75%
Term48 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Vehicles Loan
5.75%
48 months
▼
APR5.75%
Term48 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) - 24 Months Loan
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) Loan
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
6.00%
3 yrs (36 months)
▼
APR6.00%
Term3 yrs (36 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
6.00%
3 yrs (36 months)
▼
APR6.00%
Term3 yrs (36 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - Any vehicle 12 years and older Loan
6.00%
48 months max
▼
APR6.00%
Term48 months max
Last UpdatedAug 28, 2026
Details
80% of clean retail at 48 months max. 6%. Interest rates are subject to change due to credit ratings. Call for details.
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles two to seven years old.
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Recreation Vehicles Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Vehicles Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedAug 28, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) - 84 Months Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2021-2023) Loan
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Recreation Vehicles Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedAug 28, 2026
Details
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.03%
Used Vehicles Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedAug 28, 2026
Details
The Family First Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.85%
New & Used Recreational/Seasonal Vehicles Loan
6.34%
up to 72
▼
APR6.34%
Termup to 72
Last UpdatedAug 28, 2026
Details
As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
6.50%
4 yrs (48 months)
▼
APR6.50%
Term4 yrs (48 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
6.50%
4 yrs (48 months)
▼
APR6.50%
Term4 yrs (48 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles older than seven years and must exceed $20,000.
Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 18.24%
Vehicle Loans - USED
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as; APR
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) - 36 Months Loan
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) Loan
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
7.00%
5 yrs (60 months)
▼
APR7.00%
Term5 yrs (60 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
7.00%
5 yrs (60 months)
▼
APR7.00%
Term5 yrs (60 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles older than seven years.
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2023 - Older Clean Retail Used Vehicles Loan
7.50%
6 yrs (72 months)
▼
APR7.50%
Term6 yrs (72 months)
Last UpdatedAug 28, 2026
Details
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
7.50%
6 yrs (72 months)
▼
APR7.50%
Term6 yrs (72 months)
Last UpdatedAug 28, 2026
Details
2023 - Older Clean Retail
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) - 48 Months Loan
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) Loan
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) - 60 Months Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Used Vehicles (2016-2020) Loan
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rates As Low As
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Used Vehicles Loan
8.00%
7 yrs to 10 yrs (84 to 120 mths)
▼
APR8.00%
Term7 yrs to 10 yrs (84 to 120 mths)
Last UpdatedAug 28, 2026
Details
Recreational Vehicles
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.12%
Used Vehicle Loan
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
This includes all vehicles older than seven years.
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
Used Vehicles & Recreational Equipment (2019 and older) Loan
9.25%
Up to 3 years
▼
APR9.25%
TermUp to 3 years
Last UpdatedAug 28, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.80%
Used Vehicles & Recreational Equipment (2019 and older) Loan
9.75%
4 to 6 years
▼
APR9.75%
Term4 to 6 years
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Melstone, MT Auto Loan Rate Trends
Compare local Melstone, 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
5.223%
▲ 0.193 vs 7 days ago
Montana new auto rates rose 0.193 points over the past 7 days to 5.223% APR.
Used Auto Loan — MT Avg
5.739%
▲ 0.087 vs 7 days ago
Montana used auto rates rose 0.087 points over the past 7 days to 5.739% APR.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Montana 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 @ 5.22% APR MT average | Used Auto @ 5.74% APR MT average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.60/mo | $288.18/mo | $3.57/mo |
| $25,000 | $474.34/mo | $480.29/mo | $5.95/mo |
| $35,000 | $664.08/mo | $672.41/mo | $8.33/mo |
| $45,000 | $853.81/mo | $864.53/mo | $10.71/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.
About Our Melstone, Montana Auto Loan Rate Database
16 Local Lenders Tracked
Banks & Credit Unions
Updated Daily
Our Melstone, Montana auto loan tables currently track 16 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Melstone, Montana database right now is 3.99% APR from Montana Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Melstone, Montana
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Melstone, Montana 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.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Montana. 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.
3
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.
4
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.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment → park it in a Melstone, Montana 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 → Melstone, Montana CD rates lock in a guaranteed return until you’re ready to buy
Montana Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)
$40,712
Median Individual Earnings
National avg: $47,340
3.6%
Unemployment Rate
National avg: 4.8%
11.5%
Poverty Rate
National avg: 11.1%
$569/mo
Payment on a $30K / 60-mo Loan
At MT new-auto avg 5.22% APR
A $569 monthly car payment works out to roughly 16.8% of the median individual income in Montana. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Melstone, Montana — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Melstone, Montana. We’ve prefilled the APR with today’s MT new-auto average — or click any current rate on the right to apply it instantly.
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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 Melstone, Montana 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 Melstone, Montana 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 Melstone, Montana. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MT.
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.
Frequently Asked Questions about Auto Loans in Melstone, 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 Melstone, 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 Melstone, 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.
Should I get preapproved for an auto loan before visiting a dealer in Melstone, Montana?
Yes. A preapproval from a bank or credit union serving Melstone, Montana gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Melstone, Montana can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Melstone, Montana?
Based on our current data, some of the lowest auto loan rates available in Melstone, Montana include:
- 1st Liberty Federal Credit Union: 3.84% (Auto Loan)
- Montana Federal Credit Union: 3.99% (Auto Loans (2023 and newer))
- Glendive BN Federal Credit Union: 4.00% (New Vehicle Loan)
- Southwest Montana Community Federal Credit Union: 4.24% (New Vehicles (2024-2026) Loan)
- Mountain West Federal Credit Union: 4.25% (New Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Melstone, Montana. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026
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