Lincoln, Nebraska Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Lincoln, Nebraska include LincOne Federal Credit UnionLincOne Federal Credit Union4638 W St, Lincoln, NE, 68503A+5.0 ★Texas Ratio: 4.16% offering New Auto Loan at 3.99%, Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1345 Old Cheney Rd, Lincoln, NE, 68512 1266A+5.0 ★Texas Ratio: 3.58% offering Car Loans at 4.05%, Lincoln Public School Employees Federal Credit UnionLincoln Public School Employees Federal Credit Union5621 N St, Lincoln, NE, 68510A+5.0 ★Texas Ratio: 4.71% offering Vehicle Loan at 4.25%, MembersOwn Credit UnionMembersOwn Credit Union1391 S 33rd St, Lincoln, NE, 68510 4508A5.0 ★Texas Ratio: 6.20% offering New & 1-5 Year Old Used Autos at 4.25%, Cobalt Federal Credit UnionCobalt Federal Credit Union2801 N 86th St, Lincoln, NE, 68507 3447A5.0 ★Texas Ratio: 6.75% offering New 2026 & New/Used 2025 Auto Loan at 4.49%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Lincoln has 8 local institutions in our database, with auto loan rates as low as 3.99% APR from LincOne Federal Credit Union at 4638 W St, Lincoln, NE, 68503. 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: August 28, 2026
Compare Auto Loan Rates Today in Lincoln, Nebraska & Surrounding Area
Lincoln Auto Loan Rates
As low as; Rate offer available through October 31st, 2026. Rates subject to change without notice. All financing subject to LincOne FCU's standard underwriting guidelines and credit evaluation. Floor rate as low as 3.99%. An auto payment from a LincOne checking account is required to receive the 3.99% and up to 72-month, 4.49% rate. Membership eligibility and $25 savings account are required.
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
Model Year: 2011 to 2015
Model Year: 2016 to 2019
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
Credit Score > 700
Model Year: 2020 to 2024
Model Year: 2025 to 2027
Model Year: 2011 to 2015
Model Year: 2025 to 2027
As low as; Rate offer available through October 31st, 2026. Rates subject to change without notice. All financing subject to LincOne FCU's standard underwriting guidelines and credit evaluation. Floor rate as low as 3.99%. An auto payment from a LincOne checking account is required to receive the 3.99% and up to 72-month, 4.49% rate. Membership eligibility and $25 savings account are required.
As Low As; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
Credit Score > 700
Model Year: 2016 to 2019
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
Model Year: 2020 to 2024
Model Year: 2025 to 2027
As Low As; Loyalty APR; Vehicle Year: 2025 - 2024
Published rate includes 0.50% for Liberty+ Checking Account Holders. The APR (Annual Percentage Rate) will differ from the rate. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. All loans subject to approval. Rates for 2022 and newer are for vehicles with a clean title and are not valid on existing LFCU loans unless the new loan amount increases by more than 50%.
Model Year: 2025 to 2027
As Low As; Loyalty APR; Vehicle Year: 2025 - 2024
As Low As; Vehicle Year: New 2026 & New/Used 2025
Model Year: 2011 to 2015
Model Year: 2025 to 2027
Model Year: 2016 to 2019
As Low As; Vehicle Year: 2025 - 2024
Credit Score 699-650
Model Year: 2020 to 2024
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
As Low As; Same Rate for New or Used Vehicles
As Low As
As Low As
Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan, the year and mileage of the vehicle (your actual rate may be higher), and type of qualifying Liberty First checking account you have. The rate uses the simple interest method. Published rate includes 0.50% for Liberty+ Checking Account Holders. The APR (Annual Percentage Rate) will differ from the rate. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. All loans subject to approval.
Model Year: 2025 to 2027
Model Year: 2025 to 2027
As Low As; Vehicle Year: 2025 - 2024
As Low As; Loyalty APR: 4.99%
Published rate includes 0.50% for Liberty+ Checking Account Holders. The APR (Annual Percentage Rate) will differ from the rate. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. All loans subject to approval. Rates for 2022 and newer are for vehicles with a clean title and are not valid on existing LFCU loans unless the new loan amount increases by more than 50%.
Credit Score 699-650
Model Year: 2025 to 2027
As Low As; Vehicle Year: 2025 - 2024; Note: 73-84 month term may have additional requirements.
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.
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.
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
Model Year: 2025 to 2027
Vehicle Year: 2020 - 2018; Loyalty APR as low as*
As Low As; Loyalty APR: 5.74%
Credit Score 699-650
Vehicle Year: 2019 - 2017; Loyalty APR as low as*
As Low As; Loyalty APR: 5.99%
Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan, the year and mileage of the vehicle (your actual rate may be higher), and type of qualifying Liberty First checking account you have. The rate uses the simple interest method. Published rate includes 0.50% for Liberty+ Checking Account Holders. The APR (Annual Percentage Rate) will differ from the rate. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. All loans subject to approval.
Credit Score 699-650
Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan, the year and mileage of the vehicle (your actual rate may be higher), and type of qualifying Liberty First checking account you have. The rate uses the simple interest method. Published rate includes 0.50% for Liberty+ Checking Account Holders. The APR (Annual Percentage Rate) will differ from the rate. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. All loans subject to approval.
Vehicle Year: 2019 - 2017; Loyalty APR as low as*
As Low As; Loyalty APR: 6.24%
Rates, terms and conditions are subject to change and may vary based on your credit, term of your loan, the year and mileage of the vehicle (your actual rate may be higher), and type of qualifying Liberty First checking account you have. The rate uses the simple interest method. Published rate includes 0.50% for Liberty+ Checking Account Holders. The APR (Annual Percentage Rate) will differ from the rate. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. All loans subject to approval.
Vehicle Year: 2019 - 2017; APR as low as*
Vehicle Year: 2019 - 2017; APR as low as*
Loyalty APR as low as
Credit Score 649-550
Loyalty APR as low as
Credit Score 649-600
As Low As
As Low As*; Loyalty APR: 7.49%
Loyalty APR as low as; ***; Vehicle Year: 2021 - 2020
As Low As
Vehicle Year: 2017 and older; Loyalty APR; As Low As
Vehicle Year: 2016 and older; Loyalty APR; As Low As
Model Year: 2011 to 2015
As Low As*; Loyalty APR: 7.74%
Loyalty APR as low as; ***; Vehicle Year: 2021 - 2020
Loyalty APR as low as*;*
Credit Score 649-550
Model Year: 2016 to 2019
Model Year: 2020 to 2024
Model Year: 2025 to 2027
As Low As*; Loyalty APR: 7.99%
As Low As; ***; Vehicle Year: 2021 - 2020
Loyalty APR as low as*;*
Credit Score 599-550
Model Year: 2025 to 2027
Vehicle Year: 2017 and older; As Low As
Vehicle Year: 2016 and older; As Low As
As Low As; ***; Vehicle Year: 2021 - 2020
As Low As;*
As Low As*; Loyalty APR: 8.49%
As Low As; ***; Vehicle Year: 2021 - 2020
As Low As;*
As Low As; ***; Used 2020-2018
As Low As;*
Model Year: 2025 to 2027
As Low As*; Loyalty APR: 8.99%
As Low As*; Loyalty APR: 8.99%
As Low As; ***; Used 2020-2018
Credit Score 599-550
As Low As*; Loyalty APR: 9.24%
As Low As; ***; Used 2020-2018
As Low As;*
Vehicle Year: 2016 and older; Loyalty APR; As Low As
As Low As*; Loyalty APR: 9.49%
Model Year: 2011 to 2015
Model Year: 2016 to 2019
Loyalty APR: 9.74%
As Low As;*
Vehicle Year: 2016 and older; As Low As
Model Year: 2020 to 2024
Model Year: 2025 to 2027
Loyalty APR: 9.99%
Credit Score 599-550
Model Year: 2025 to 2027
Loyalty APR: 10.24%
Model Year: 2025 to 2027
Credit Score 599-550
Credit Score 599-550
Above Dividend Rate; Equal to Shares; Salvage Titles add 2.50% to pre-owned rates. Recreational Vehicles, Boats, and Motorcycles add 1% to Auto Loan rates.
As Low As; *
As Low As; *
As low as; To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money.
As Low As; *
Rates are stated As Low As
As Low As; 2023 - 2026
As Low As
Rates are stated As Low As
As low as; To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money.
As Low As; *
125% of value
As Low As; 2023 - 2026
As low as; *For vehicles with 100,000+ in mileage add 1%.
As Low As; 100% of NADA Book Retail Value. Full Coverage Insurance Required. Add on for Tax & Licensing. Up to 90†Days to First Payment.
125% of value
125% of value
Rates are stated As Low As
Rates are stated As Low As
As Low As; *
As Low As; 2023 - 2026
As Low As; 2019 - 2022
As Low As
As low as; *For vehicles with 100,000+ in mileage add 1%.
125% of value
125% of value
Rates are stated As Low As
As low as; To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money.
As Low As; *
As Low As; *
100% of value
125% of value
As Low As; 2019 - 2022
As low as
As low as; *For vehicles with 100,000+ in mileage add 1%.
Rates are stated As Low As
125% of value
125% of value
Maximum Amount: 85% of Sticker Price; Security: Title/Ins
As low as; To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles.
As Low As
As low as; *For vehicles with 100,000+ in mileage add 1%.
125% of value
100% of NADA Book Retail Value. Full Coverage Insurance required. Add on for tax & licensing. Up to 90†days to first payment.
125% of value
Rates are stated As Low As
Rate updated as of 5/4/2026 and is subject to change. Annual Percentage Rate is based on a $30,000 loan amount with a contract interest rate of 5.99% and would require 71 monthly payments $497.75 and one payment of $498.19 resulting in a 5.993% APR.
As Low As; *
100% of value
As Low As; 2019 - 2022 (available 2021/22 only)
No Origination Fee!
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
As low as; To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles.
As low as
Rates are stated As Low As
Lincoln New Auto Auto Loan Rates
As low as; Rate offer available through October 31st, 2026. Rates subject to change without notice. All financing subject to LincOne FCU's standard underwriting guidelines and credit evaluation. Floor rate as low as 3.99%. An auto payment from a LincOne checking account is required to receive the 3.99% and up to 72-month, 4.49% rate. Membership eligibility and $25 savings account are required.
As low as; Rate offer available through October 31st, 2026. Rates subject to change without notice. All financing subject to LincOne FCU's standard underwriting guidelines and credit evaluation. Floor rate as low as 3.99%. An auto payment from a LincOne checking account is required to receive the 3.99% and up to 72-month, 4.49% rate. Membership eligibility and $25 savings account are required.
As Low As; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
As Low As; Vehicle Year: New 2026 & New/Used 2025
As Low As
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.
As Low As*; Loyalty APR: 7.49%
As Low As*; Loyalty APR: 7.74%
As Low As*; Loyalty APR: 7.99%
As Low As*; Loyalty APR: 8.49%
As Low As*; Loyalty APR: 8.99%
As Low As; *
As Low As; *
As Low As; *
Rates are stated As Low As
As Low As; 2023 - 2026
As Low As
Rates are stated As Low As
As Low As; *
As Low As; 2023 - 2026
As low as; *For vehicles with 100,000+ in mileage add 1%.
As Low As; 100% of NADA Book Retail Value. Full Coverage Insurance Required. Add on for Tax & Licensing. Up to 90†Days to First Payment.
Rates are stated As Low As
As Low As; 2023 - 2026
As Low As
As low as; *For vehicles with 100,000+ in mileage add 1%.
As Low As; *
As low as
As low as; *For vehicles with 100,000+ in mileage add 1%.
Rates are stated As Low As
Maximum Amount: 85% of Sticker Price; Security: Title/Ins
As Low As
As low as; *For vehicles with 100,000+ in mileage add 1%.
No Origination Fee!
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
As low as
Lincoln Used Auto Auto Loan Rates
As Low As; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
Credit Score > 700
As Low As; Vehicle Year: New 2026 & New/Used 2025
As Low As
Credit Score 699-650
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.
Credit Score 699-650
Credit Score 649-600
As Low As*; Loyalty APR: 7.49%
As Low As*; Loyalty APR: 7.74%
As Low As*; Loyalty APR: 7.99%
Credit Score 599-550
As Low As*; Loyalty APR: 8.49%
As Low As*; Loyalty APR: 8.99%
Credit Score 599-550
Credit Score 599-550
Credit Score 599-550
Credit Score 599-550
As Low As; 2023 - 2026
As Low As; 2023 - 2026
Rates are stated As Low As
As Low As; *
As Low As; 2023 - 2026
As Low As; 2019 - 2022
Rates are stated As Low As
As Low As; *
As Low As; 2019 - 2022
100% of NADA Book Retail Value. Full Coverage Insurance required. Add on for tax & licensing. Up to 90†days to first payment.
Rates are stated As Low As
As Low As; *
As Low As; 2019 - 2022 (available 2021/22 only)
Rates are stated As Low As
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.
Nebraska new auto rates rose 0.697 points over the past 7 days to 5.866% APR.
Nebraska used auto rates rose 0.538 points over the past 7 days to 6.603% APR.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Nebraska 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 @ 5.87% APR Nat'l average | Used Auto @ 6.60% APR Nat'l average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.06/mo | $294.21/mo | $5.16/mo |
| $25,000 | $481.76/mo | $490.36/mo | $8.60/mo |
| $35,000 | $674.46/mo | $686.50/mo | $12.03/mo |
| $45,000 | $867.17/mo | $882.64/mo | $15.47/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 Lincoln, Nebraska Auto Loan Rate Database
Our Lincoln, Nebraska auto loan tables currently track 24 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 Lincoln, Nebraska database right now is 3.99% APR from LincOne 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 Lincoln, Nebraska
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Lincoln, Nebraska locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Nebraska. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment → park it in a Lincoln, Nebraska 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 → Lincoln, Nebraska CD rates lock in a guaranteed return until you’re ready to buy
Lincoln, Nebraska Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
A $578 monthly car payment works out to roughly 18.2% of the median individual income in Lincoln, Nebraska. 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 Lincoln, Nebraska — 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 Lincoln, Nebraska. We’ve prefilled the APR with today’s Nat'l new-auto average — or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lincoln, Nebraska 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 Lincoln, Nebraska 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 Lincoln, Nebraska. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NE.
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 Lincoln, Nebraska
How does my credit score affect my car loan rate in Nebraska?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Lincoln, Nebraska?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Lincoln, Nebraska?
- LincOne Federal Credit Union: 3.99% (New Auto Loan)
- Sun Pacific Federal Credit Union: 4.05% (Car Loans)
- Lincoln Public School Employees Federal Credit Union: 4.25% (Vehicle Loan)
- MembersOwn Credit Union: 4.25% (New & 1-5 Year Old Used Autos)
- Cobalt Federal Credit Union: 4.49% (New 2026 & New/Used 2025 Auto Loan)
Lincoln, Nebraska Rates & Resources
