Auto Loan Rates in Lincoln, Nebraska (NE) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Lincoln, Nebraska. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Lincoln, Nebraska include MembersOwn Credit UnionMembersOwn Credit Union1391 S 33rd St, Lincoln, NE, 68510 4508A5.0 ★Texas Ratio: 6.45% offering New & 1-5 Year Old Used Autos at 3.35%, Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1345 Old Cheney Rd, Lincoln, NE, 68512 1266A+5.0 ★Texas Ratio: 3.66% offering Car Loans at 4.55%, Cobalt Federal Credit UnionCobalt Federal Credit Union2801 N 86th St, Lincoln, NE, 68507 3447A5.0 ★Texas Ratio: 7.59% offering New 2026 & New/Used 2026 Auto Loan Loyalty at 5.59%, Omaha Federal Credit UnionOmaha Federal Credit UnionA+5.0 ★Texas Ratio: 2.22% offering New Auto - 2024 - 2026 Model Yrs at 3.99%, Metro Federal Credit UnionMetro Federal Credit UnionA+5.0 ★Texas Ratio: 1.41% offering 36 Month or Less Auto Loan at 3.99%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Lincoln has 3 local institutions in our database, with auto loan rates as low as 3.35% APR from MembersOwn Credit Union at 1391 S 33rd St, Lincoln, NE, 68510 4508. 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 Lincoln, Nebraska. Auto Loan Rates Last Updated and Verified: May 10, 2026
Compare Auto Loan Rates Today in Lincoln, Nebraska & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
3.35%
36 Months
▼
APR3.35%
Term36 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
3.85%
48 Months
▼
APR3.85%
Term48 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
6-12 Year Old Used Autos
4.35%
36 Months
▼
APR4.35%
Term36 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
4.35%
72 Months
▼
APR4.35%
Term72 Months
Last UpdatedMay 10, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Car Loans
4.55%
2 Months
▼
APR4.55%
Term2 Months
Last UpdatedMay 6, 2026
Details
2011 to 2015 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Car Loans
4.65%
3 Months
▼
APR4.65%
Term3 Months
Last UpdatedMay 6, 2026
Details
2016 to 2019 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade a++
4.70%
2 Yrs
▼
APR4.70%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
2011 to 2015
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Car Loans
4.75%
4 Months
▼
APR4.75%
Term4 Months
Last UpdatedMay 6, 2026
Details
2020 to 2024 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade a++
4.80%
3 Yrs
▼
APR4.80%
Term3 Yrs
Last UpdatedMay 6, 2026
Details
2016 to 2019
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Car Loans
4.85%
5 Months
▼
APR4.85%
Term5 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
6-12 Year Old Used Autos
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 10, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade a++
4.90%
4 Yrs
▼
APR4.90%
Term4 Yrs
Last UpdatedMay 6, 2026
Details
2020 to 2024
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Car Loans
4.95%
6 Months
▼
APR4.95%
Term6 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade a++
5.00%
5 Yrs
▼
APR5.00%
Term5 Yrs
Last UpdatedMay 6, 2026
Details
2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
5.05%
2 Months
▼
APR5.05%
Term2 Months
Last UpdatedMay 6, 2026
Details
Model Year: 2011 to 2015
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade a++
5.10%
6 Yrs
▼
APR5.10%
Term6 Yrs
Last UpdatedMay 6, 2026
Details
2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
5.15%
3 Months
▼
APR5.15%
Term3 Months
Last UpdatedMay 6, 2026
Details
Model Year: 2016 to 2019
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 6, 2026
Details
Model Year: 2020 to 2024
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
5.35%
5 Months
▼
APR5.35%
Term5 Months
Last UpdatedMay 6, 2026
Details
Model Year: 2025 to 2027
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
6-12 Year Old Used Autos
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
5.35%
84 Months
▼
APR5.35%
Term84 Months
Last UpdatedMay 10, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
5.45%
6 Months
▼
APR5.45%
Term6 Months
Last UpdatedMay 6, 2026
Details
Model Year: 2025 to 2027
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Car Loans
5.65%
7 Months
▼
APR5.65%
Term7 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
2025 - 2024 Auto Loan Loyalty
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade a++
5.80%
7 Yrs
▼
APR5.80%
Term7 Yrs
Last UpdatedMay 6, 2026
Details
2025 to 2027
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
6.15%
7 Months
▼
APR6.15%
Term7 Months
Last UpdatedMay 6, 2026
Details
Model Year: 2025 to 2027
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
2025 - 2024 Auto Loan
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
2025 - 2024 Auto Loan Loyalty
6.34%
84 Months
▼
APR6.34%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
2025 - 2024 Auto Loan
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
8.15%
2 Months
▼
APR8.15%
Term2 Months
Last UpdatedMay 6, 2026
Details
2011 to 2015
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
8.25%
3 Months
▼
APR8.25%
Term3 Months
Last UpdatedMay 6, 2026
Details
2016 to 2019
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
8.35%
4 Months
▼
APR8.35%
Term4 Months
Last UpdatedMay 6, 2026
Details
2020 to 2024
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
8.45%
5 Months
▼
APR8.45%
Term5 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
8.55%
6 Months
▼
APR8.55%
Term6 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade b+
9.25%
7 Months
▼
APR9.25%
Term7 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade c+
10.10%
2 Months
▼
APR10.10%
Term2 Months
Last UpdatedMay 6, 2026
Details
2011 to 2015 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade c+
10.20%
3 Months
▼
APR10.20%
Term3 Months
Last UpdatedMay 6, 2026
Details
2016 to 2019 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade c+
10.30%
4 Months
▼
APR10.30%
Term4 Months
Last UpdatedMay 6, 2026
Details
2020 to 2024 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade c+
10.40%
5 Months
▼
APR10.40%
Term5 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade c+
10.50%
6 Months
▼
APR10.50%
Term6 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
car loans risk grade c+
11.20%
7 Months
▼
APR11.20%
Term7 Months
Last UpdatedMay 6, 2026
Details
2025 to 2027 Model Year
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
36 Month or Less Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
48 Month Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
60 Month Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
72 Month Auto Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old)
4.50%
2 Yrs
▼
APR4.50%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old)
4.75%
2 Yrs
▼
APR4.75%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
84 Month Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old)
5.00%
2 Yrs
▼
APR5.00%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.09%
36 Months
▼
APR5.09%
Term36 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.24%
< 48 Months
▼
APR5.24%
Term< 48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
5.25%
49-60 Months
▼
APR5.25%
Term49-60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMay 6, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old)
5.50%
10 Years
▼
APR5.50%
Term10 Years
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
5.55%
84 Months
▼
APR5.55%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedMay 6, 2026
Details
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Auto Loans
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedMay 6, 2026
Details
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
5.75%
61-72 Months
▼
APR5.75%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old)
5.75%
10 Years
▼
APR5.75%
Term10 Years
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.79%
60 Months
▼
APR5.79%
Term60 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 6, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 7, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
6.40%
48 Months
▼
APR6.40%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
6.75%
73-84 Months
▼
APR6.75%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedMay 7, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedMay 7, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
6.95%
60 Months
▼
APR6.95%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Vehicle
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
Base rate of
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
7.00%
11 Years
▼
APR7.00%
Term11 Years
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
7.05%
72 Months
▼
APR7.05%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Classic Auto Loans- 25 years and older
7.50%
25 Years
▼
APR7.50%
Term25 Years
Last UpdatedMay 6, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
7.50%
11 Years
▼
APR7.50%
Term11 Years
Last UpdatedMay 6, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedMay 7, 2026
Details
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Classic Auto Loans- 25 years and older
8.00%
25 Years
▼
APR8.00%
Term25 Years
Last UpdatedMay 6, 2026
Details
As Low As
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Vehicle
8.00%
72 Months
▼
APR8.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Base rate of
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
8.00%
11 Years
▼
APR8.00%
Term11 Years
Last UpdatedMay 6, 2026
Details
Months
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older)
8.20%
48 Months
▼
APR8.20%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2016-2018 Auto Loan
8.49%
24-63
▼
APR8.49%
Term24-63
Last UpdatedMay 6, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Classic Auto Loans- 25 years and older
8.50%
25 Years
▼
APR8.50%
Term25 Years
Last UpdatedMay 6, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older)
8.70%
60 Months
▼
APR8.70%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2016-2018 Auto Loan
8.99%
64-75
▼
APR8.99%
Term64-75
Last UpdatedMay 6, 2026
Details
As Low As
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Vehicles
10.00%
120 Months
▼
APR10.00%
Term120 Months
Last UpdatedMay 6, 2026
Details
Base rate of
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Vehicles
10.00%
120 Months
▼
APR10.00%
Term120 Months
Last UpdatedMay 6, 2026
Details
Base rate of
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Fully restored classic cars (25 years or older)
10.25%
4 Months
▼
APR10.25%
Term4 Months
Last UpdatedMay 10, 2026
Details
4 Years (48 Months)
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
3.35%
36 Months
▼
APR3.35%
Term36 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
3.85%
48 Months
▼
APR3.85%
Term48 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
4.35%
72 Months
▼
APR4.35%
Term72 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
5.35%
84 Months
▼
APR5.35%
Term84 Months
Last UpdatedMay 10, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old)
4.50%
2 Yrs
▼
APR4.50%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old)
4.75%
2 Yrs
▼
APR4.75%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 6, 2026
Details
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old)
5.00%
2 Yrs
▼
APR5.00%
Term2 Yrs
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.09%
36 Months
▼
APR5.09%
Term36 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
5.25%
49-60 Months
▼
APR5.25%
Term49-60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 6, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
5.55%
84 Months
▼
APR5.55%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
5.75%
61-72 Months
▼
APR5.75%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 7, 2026
Details
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
6.75%
73-84 Months
▼
APR6.75%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedMay 7, 2026
Details
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Vehicle
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
Base rate of
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Vehicles
10.00%
120 Months
▼
APR10.00%
Term120 Months
Last UpdatedMay 6, 2026
Details
Base rate of
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
3.35%
36 Months
▼
APR3.35%
Term36 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
3.85%
48 Months
▼
APR3.85%
Term48 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
6-12 Year Old Used Autos
4.35%
36 Months
▼
APR4.35%
Term36 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
4.35%
72 Months
▼
APR4.35%
Term72 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
6-12 Year Old Used Autos
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
6-12 Year Old Used Autos
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 10, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.45%
1391 S 33rd St, Lincoln, NE, 68510 4508
New & 1-5 Year Old Used Autos
5.35%
84 Months
▼
APR5.35%
Term84 Months
Last UpdatedMay 10, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.24%
< 48 Months
▼
APR5.24%
Term< 48 Months
Last UpdatedMay 6, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMay 6, 2026
Details
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old)
5.50%
10 Years
▼
APR5.50%
Term10 Years
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedMay 6, 2026
Details
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old)
5.75%
10 Years
▼
APR5.75%
Term10 Years
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.79%
60 Months
▼
APR5.79%
Term60 Months
Last UpdatedMay 6, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 6, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
6.40%
48 Months
▼
APR6.40%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedMay 7, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
6.95%
60 Months
▼
APR6.95%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
7.00%
11 Years
▼
APR7.00%
Term11 Years
Last UpdatedMay 6, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
7.05%
72 Months
▼
APR7.05%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
7.50%
11 Years
▼
APR7.50%
Term11 Years
Last UpdatedMay 6, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedMay 7, 2026
Details
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Vehicle
8.00%
72 Months
▼
APR8.00%
Term72 Months
Last UpdatedMay 6, 2026
Details
Base rate of
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
8.00%
11 Years
▼
APR8.00%
Term11 Years
Last UpdatedMay 6, 2026
Details
Months
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older)
8.20%
48 Months
▼
APR8.20%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older)
8.70%
60 Months
▼
APR8.70%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Vehicles
10.00%
120 Months
▼
APR10.00%
Term120 Months
Last UpdatedMay 6, 2026
Details
Base rate of
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Lincoln, NE Auto Loan Rate Trends
Compare local Lincoln, NE 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 — NE Avg
5.079%
Unchanged vs 7 days ago
Nebraska new auto loan rates currently average 5.079% APR.
Used Auto Loan — NE Avg
6.066%
▼ 0.298 vs 7 days ago
Nebraska used auto rates fell 0.298 points over the past 7 days to 6.066% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Lincoln, Nebraska
How does my credit score affect my car loan rate in Nebraska?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Lincoln, Nebraska 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 Nebraska *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 Lincoln, Nebraska 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 Lincoln, Nebraska?
Based on our current data, some of the lowest auto loan rates available in Lincoln, Nebraska include:
- MembersOwn Credit Union: 3.35% (New & 1-5 Year Old Used Autos)
- Sun Pacific Federal Credit Union: 4.55% (Car Loans)
- Cobalt Federal Credit Union: 5.59% (New 2026 & New/Used 2026 Auto Loan Loyalty)
- Omaha Federal Credit Union: 3.99% (New Auto - 2024 - 2026 Model Yrs)
- Metro Federal Credit Union: 3.99% (36 Month or Less Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lincoln, Nebraska. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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