Springfield, Nebraska Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Springfield, Nebraska auto loan rates from lenders serving Nebraska range from 3.49% to 6.50% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Springfield, Nebraska include Liberty First Credit UnionLiberty First Credit UnionA+5.0 ★Texas Ratio: 3.58% offering Auto Loan Special at 3.49%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Metro Federal Credit UnionMetro Federal Credit UnionA+5.0 ★Texas Ratio: 1.30% offering 36 Month or Less Auto Loan at 3.99%, Nebraska State Employees Credit UnionNebraska State Employees Credit UnionA+5.0 ★Texas Ratio: 0.26% offering New Auto Loans at 4.00%, Sun Pacific Federal Credit UnionSun Pacific Federal Credit UnionA+5.0 ★Texas Ratio: 1.95% offering Car Loans - Risk Grade A+ at 4.05%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Springfield borrowers have access to 26 lenders serving the Nebraska area, with auto loan rates as low as 3.49% APR from Liberty First Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Springfield, Nebraska. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Springfield, Nebraska & Surrounding Area
Springfield Auto Loan Rates
As Low As; Rates as low as 3.49%** for up to 36 months on 2022 and newer models
As Low As
As Low As; Rates subject to change.
As Low As; Well qualified borrowers; Minimum loan amount $5,000.00; Advertised rate assumes .50% automatic payment discount
As Low As; Well qualified borrowers; Minimum loan amount $5,000.00; Advertised rate assumes .50% automatic payment discount
As Low As; Minimum loan amount: $5,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible
As Low As; Minimum loan amount: $5,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible
As Low As; Model Year: 2026 - 2025
Model Year: 2011 to 2015
As low as
Model Year: 2016 to 2019
Credit Score > 700
Model Year: 2020 to 2024
As Low As; Well qualified borrowers; Minimum loan amount $5,000.00; Advertised rate assumes .50% automatic payment discount
As Low As; Minimum loan amount: $5,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible
As Low As
As Low As; Rates subject to change.
Model Year: 2025 to 2027
Model Year: 2011 to 2015; Risk Grade A
Model Year: 2025 to 2027
As Low As; *
- Oct 8, 20264.49%▲ from 3.99%
- Sep 20, 20263.99%first recorded
As Low As; Example: $20,000 loan at 4.49% APR for 36 months = $594.94/month.
Additional APR listed for this product: 5.49%. As low as*
Model Year: 2016 to 2019; Risk Grade A
As Low As; Effective Date: October 1, 2026
- Oct 4, 20264.50%▼ from 4.75%
- Sep 12, 20264.75%first recorded
As Low As; Well qualified borrowers; Minimum loan amount $10,000.00; Advertised rate assumes .50% automatic payment discount
As Low As; Minimum loan amount: $10,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible
Published APR range: 4.50- 10.00%.
As Low As; Rates effective as of 08/27/2026
As Low As; Model Year: 2026 - 2025
Term: 60 months/5 years or less; Model Year: New and Used 2023-New; New Autos - 110% of dealer sticker
As Low As
As Low As; Rates subject to change.
Model Year: 2020 to 2024; Risk Grade A
Model Year: 2025 to 2027; Risk Grade A
As Low As; *
- Oct 8, 20264.74%▲ from 4.24%
- Sep 20, 20264.24%first recorded
As Low As**; 2023 - 2026
As Low As**; 2023 - 2026
Model Year 2023 and Newer (Secured)
- Oct 13, 20264.74%▼ from 6.50%
- Oct 9, 20266.50%▲ from 4.74%
- Oct 9, 20264.74%first recorded
Model Year 2023 and Newer (Secured)
- Oct 13, 20264.74%▼ from 6.50%
- Oct 9, 20266.50%▲ from 4.74%
- Oct 9, 20264.74%first recorded
Model Year 2023 and Newer (Secured)
- Oct 13, 20264.74%▼ from 6.75%
- Oct 9, 20266.75%▲ from 4.74%
- Oct 9, 20264.74%first recorded
Model Year 2023 and Newer (Secured)
- Oct 13, 20264.74%▼ from 6.75%
- Oct 9, 20266.75%▲ from 4.74%
- Oct 9, 20264.74%first recorded
Additional APR listed for this product: 5.74%. As low as*
Published APR range: 4.75 - 10.50%.
As Low As; Limited-Time Special Ends 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance Required; Add on for Tax & Licensing; Up to 90 Days to First Payment
Loan amount over $30,001; As Low As; Limited-Time Special Ends 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance Required; Add on for Tax & Licensing; Up to 90 Days to First Payment
As Low As; Model Year: 2026 - 2025
As Low As
As Low As; Rates subject to change.
Model Year: 2025 to 2027; Risk Grade A
As Low As; Rates effective as of 08/27/2026
As Low As; Model Year: 2026 - 2025
New Car auto loan; APR
New Car auto loan; APR
New Car auto loan; APR
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
As Low As; *
- Oct 8, 20264.99%▲ from 4.49%
- Sep 20, 20264.49%first recorded
Published APR range: 4.99% to 13.49%.
As Low As; Well qualified borrowers; Minimum loan amount $20,000.00; Advertised rate assumes .50% automatic payment discount
As Low As; Minimum loan amount: $20,000.00; Advertised rate assumes 0.50% automatic payment discount; Well qualified borrowers; Refinances of existing Metro Credit Union loans not eligible
Published APR range: 4.99% - 10.25%. Risk-based APR range; lowest rate for members with 700+ credit score, active checking or direct deposit, and payment from a Siouxland FCU account
As Low As*; Loyalty APR: 4.49%
As Low As*; Loyalty APR: 4.49%
As Low As**; 2023 - 2026
Model Year 2023 and Newer (Secured); Loan amount $10,000+
As Low As; Effective Date: October 1, 2026
- Oct 4, 20265.00%▼ from 5.25%
- Sep 12, 20265.25%first recorded
Published APR range: 5.00 - 11.25%.
As Low As; Security: Title/Ins; Membership minimum balance of $25 required; For vehicles with 100,000+ in mileage add 1%
Model Year: 2025 - 2024; For autos with 100,000+ in mileage add 1%
Term: 72 months/6 years or less; Model Year: New and Used 2023-New; Vehicles titles less than 90 days
Model Year: 2011 to 2015; APR* footnote
Published APR range: 5.09% to 13.59%.
Model Year: 2025 to 2027
Model Year: 2016 to 2019; APR* footnote
As low as
Published APR range: 5.19% to 13.69%.
As Low As; Rates effective as of 08/27/2026
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
As Low As*; Loyalty APR: 4.74%
- Sep 18, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As*; Loyalty APR: 4.74%
As Low As**; 2023 - 2026
As Low As**; 2019 - 2022
Additional APR listed for this product: 5.99%. As low as*
699-650
Credit Score > 700
Credit Score > 700
Model Year: 2020 to 2024; APR* footnote
As Low As; 84 month term available for loan amounts greater than $20,000.
As Low As; Same Rate for New or Used Vehicles; Easy Online Application; Vehicle loan rates as low as 5.25% APR*
As Low As; All Loan Rates Effective August 9th, 2024
As Low As; Year: Used 2021-2019; For vehicles with 100,000+ in mileage add 1%; Security: Title/Ins
As Low As; Security: Title/Ins; Membership minimum balance of $25 required; For vehicles with 100,000+ in mileage add 1%
Model Year 2019 - 2022 (Secured)
- Oct 13, 20265.25%▼ from 6.50%
- Oct 9, 20266.50%▲ from 5.25%
- Oct 9, 20265.25%first recorded
Model Year 2019 - 2022 (Secured)
- Oct 13, 20265.25%▼ from 6.50%
- Oct 9, 20266.50%▲ from 5.25%
- Oct 9, 20265.25%first recorded
Model Year: 2023; For autos with 100,000+ in mileage add 1%
As Low As
As Low As; Rates subject to change.
Published APR range: 5.29% to 13.79%.
Model Year: 2025 to 2027; APR* footnote
As Low As
As Low As; Rates subject to change.
Published APR range: 5.39% to 13.89%.
Model Year: 2025 to 2027; APR* footnote
As Low As; Model Year: 2025-2023 used vehicles
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
2025-2021
2025-2021
2025-2024
As Low As; *
- Oct 8, 20265.49%▲ from 4.99%
- Sep 20, 20264.99%first recorded
Published APR range: 5.49% to 13.99%.
Published APR range: 5.49% to 13.99%.
As Low As*; Loyalty APR: 4.99%
As Low As*; Loyalty APR: 4.99%
As Low As**; 2019 - 2022
Model Year 2023 and Newer (Secured); Loan amount $15,000+
Model Year 2019 - 2022 (Secured)
- Oct 13, 20265.49%▼ from 6.75%
- Oct 9, 20266.75%▲ from 5.49%
- Oct 9, 20265.49%first recorded
Model Year 2019 - 2022 (Secured)
- Oct 13, 20265.49%▼ from 6.75%
- Oct 9, 20266.75%▲ from 5.49%
- Oct 9, 20265.49%first recorded
Model Year 2019 - 2022 (Secured); Loan amount $10,000+
Model Year: 2025 to 2027; Risk Grade A
As Low As; Effective Date: October 1, 2026
- Oct 4, 20265.50%▼ from 5.75%
- Sep 12, 20265.75%first recorded
Published APR range: 5.50 - 11.00%. Auto loan; Annual Percentage Rate range as printed
As Low As; Year: Used 2021-2019; For vehicles with 100,000+ in mileage add 1%; Security: Title/Ins
As Low As; Security: Title/Ins; Membership minimum balance of $25 required; For vehicles with 100,000+ in mileage add 1%
As Low As; Model Year: 2026 - 2025; Loan amount: $17,500+
Model Year: 2022; For autos with 100,000+ in mileage add 1%
Term: 84 months/7 years or less; Model Year: New and Used 2023-New; Vehicles under 5,000 miles
Term: 60 months/5 years or less; Model Year: Used 2019-2022; Used Autos - 100% of NADA Retail or existing refinance balance
As Low As; Rates effective as of 08/27/2026
Published APR range: 5.59% to 14.09%.
As Low As; Limited-Time Special Ends 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance required; Add on for tax & licensing; Up to 90 days to first payment
- Sep 17, 20265.60%▼ from 5.85%
- Sep 14, 20265.85%first recorded
699-650
Credit Score > 700
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Published APR range: 5.69% to 14.19%.
As Low As; Model Year: 2025-2023 used vehicles
As Low As; *
- Oct 8, 20265.74%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As*; Loyalty APR: 5.24%; **
As Low As*; Loyalty APR: 5.24%; **
As low as*
Published APR range: 5.75 - 11.50%. Auto loan; Annual Percentage Rate range as printed
As Low As; Year: Used 2021-2019; For vehicles with 100,000+ in mileage add 1%; Security: Title/Ins
As Low As; Security: Title/Ins; Membership minimum balance of $25 required; For vehicles with 100,000+ in mileage add 1%
Model Year: 2025 - 2024; Loan amount: $17,500+; For autos with 100,000+ in mileage add 1%
As low as
As low as
Published APR range: 5.79% to 14.29%.
Vehicle Year: 2022-2027; Base rate, subject to adjustment based on applicant's credit score; *All cars over 8 years old must be brought down to the Credit Union to be looked at
Published APR range: 5.89% to 14.39%.
New Car auto loan; APR; New Car 72 months financing for $20,000.00 sticker price or greater
New Car 72 months financing for $20,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
As Low As
As Low As; Rates subject to change.
2020-2016
As Low As; *
- Oct 8, 20265.99%▲ from 5.49%
- Sep 20, 20265.49%first recorded
As Low As; *
- Oct 8, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
Published APR range: 5.99% to 14.49%.
Term: up to 72 months (2021 and newer); As Low As**; 2019 - 2022
> 650
$18,000; Credit Grade: A+
Credit Grade: A (749-720); Model Year: 2026-2022; Membership minimum balance of $25 is required
Vehicle Year: 2022-2027; Base rate, subject to adjustment based on applicant's credit score; *All cars over 8 years old must be brought down to the Credit Union to be looked at
Model Year: 2023; Loan amount: $17,500+; For autos with 100,000+ in mileage add 1%
Term: 48 months/4 years or less; Model Year: Used 2018-older
Model Year: 2025 to 2027; APR* footnote
As Low As; Model Year: 2025-2023 used vehicles
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Model Year 2023 and Newer (Secured); Loan amount $25,000+
699-650
Credit Score > 700
699-650
As Low As; Effective Date: October 1, 2026
- Oct 4, 20266.25%▼ from 6.75%
- Sep 12, 20266.75%first recorded
Credit Grade: A (749-720); Model Year: 2026-2022; Membership minimum balance of $25 is required
Vehicle Year: Current Year and Newer; Base rate, subject to adjustment based on applicant's credit score; *All cars over 8 years old must be brought down to the Credit Union to be looked at
Model Year: 2021 - 2016; For autos with 100,000+ in mileage add 1%
Term: 96 months/8 years or less; Model Year: New and Used 2023-New
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As Low As; *
- Oct 8, 20266.49%▲ from 5.99%
- Sep 16, 20265.99%first recorded
Model Year 2019 - 2022 (Secured); Loan amount $15,000+
Credit Grade: A (749-720); Model Year: 2026-2022; Membership minimum balance of $25 is required
Springfield New Auto Auto Loan Rates
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2026 - 2025
As low as
As Low As
As Low As; Rates subject to change.
As Low As; *
- Oct 8, 20264.49%▲ from 3.99%
- Sep 20, 20263.99%first recorded
As Low As; Example: $20,000 loan at 4.49% APR for 36 months = $594.94/month.
As Low As; Effective Date: October 1, 2026
- Oct 4, 20264.50%▼ from 4.75%
- Sep 12, 20264.75%first recorded
Published APR range: 4.50- 10.00%.
As Low As; Rates effective as of 08/27/2026
As Low As; Model Year: 2026 - 2025
As Low As
As Low As; Rates subject to change.
As Low As; *
- Oct 8, 20264.74%▲ from 4.24%
- Sep 20, 20264.24%first recorded
As Low As**; 2023 - 2026
As Low As**; 2023 - 2026
Published APR range: 4.75 - 10.50%.
As Low As; Limited-Time Special Ends 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance Required; Add on for Tax & Licensing; Up to 90 Days to First Payment
Loan amount over $30,001; As Low As; Limited-Time Special Ends 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance Required; Add on for Tax & Licensing; Up to 90 Days to First Payment
As Low As; Model Year: 2026 - 2025
As Low As; Rates effective as of 08/27/2026
As Low As; Model Year: 2026 - 2025
New Car auto loan; APR
New Car auto loan; APR
New Car auto loan; APR
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
As Low As; *
- Oct 8, 20264.99%▲ from 4.49%
- Sep 20, 20264.49%first recorded
Published APR range: 4.99% - 10.25%. Risk-based APR range; lowest rate for members with 700+ credit score, active checking or direct deposit, and payment from a Siouxland FCU account
As Low As*; Loyalty APR: 4.49%
As Low As**; 2023 - 2026
As Low As; Effective Date: October 1, 2026
- Oct 4, 20265.00%▼ from 5.25%
- Sep 12, 20265.25%first recorded
Published APR range: 5.00 - 11.25%.
As Low As; Security: Title/Ins; Membership minimum balance of $25 required; For vehicles with 100,000+ in mileage add 1%
As Low As; Rates effective as of 08/27/2026
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
As Low As**; 2023 - 2026
As Low As; 84 month term available for loan amounts greater than $20,000.
As Low As; Security: Title/Ins; Membership minimum balance of $25 required; For vehicles with 100,000+ in mileage add 1%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; *
- Oct 8, 20265.49%▲ from 4.99%
- Sep 20, 20264.99%first recorded
As Low As; Effective Date: October 1, 2026
- Oct 4, 20265.50%▼ from 5.75%
- Sep 12, 20265.75%first recorded
As Low As; Security: Title/Ins; Membership minimum balance of $25 required; For vehicles with 100,000+ in mileage add 1%
As Low As; Model Year: 2026 - 2025; Loan amount: $17,500+
As Low As; Rates effective as of 08/27/2026
As Low As; Security: Title/Ins; Membership minimum balance of $25 required; For vehicles with 100,000+ in mileage add 1%
As low as
As low as
New Car auto loan; APR; New Car 72 months financing for $20,000.00 sticker price or greater
New Car 72 months financing for $20,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
As Low As
As Low As; Rates subject to change.
As Low As; *
- Oct 8, 20265.99%▲ from 5.49%
- Sep 20, 20265.49%first recorded
Credit Grade: A (749-720); Model Year: 2026-2022; Membership minimum balance of $25 is required
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Effective Date: October 1, 2026
- Oct 4, 20266.25%▼ from 6.75%
- Sep 12, 20266.75%first recorded
Credit Grade: A (749-720); Model Year: 2026-2022; Membership minimum balance of $25 is required
Credit Grade: A (749-720); Model Year: 2026-2022; Membership minimum balance of $25 is required
Springfield Used Auto Auto Loan Rates
As Low As**; 2023 - 2026
As Low As**; 2023 - 2026
As Low As
As Low As; Rates subject to change.
As Low As*; Loyalty APR: 4.49%
As Low As*; Loyalty APR: 4.49%
As Low As**; 2023 - 2026
Model Year: 2025 - 2024; For autos with 100,000+ in mileage add 1%
As low as
As Low As*; Loyalty APR: 4.74%
As Low As**; 2023 - 2026
As Low As**; 2019 - 2022
Credit Score > 700
As Low As; All Loan Rates Effective August 9th, 2024
As Low As; Year: Used 2021-2019; For vehicles with 100,000+ in mileage add 1%; Security: Title/Ins
Model Year: 2023; For autos with 100,000+ in mileage add 1%
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2025-2023 used vehicles
2025-2021
2025-2021
2025-2024
As Low As*; Loyalty APR: 4.99%
As Low As**; 2019 - 2022
Published APR range: 5.50 - 11.00%. Auto loan; Annual Percentage Rate range as printed
As Low As; Year: Used 2021-2019; For vehicles with 100,000+ in mileage add 1%; Security: Title/Ins
Model Year: 2022; For autos with 100,000+ in mileage add 1%
As Low As; Limited-Time Special Ends 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance required; Add on for tax & licensing; Up to 90 days to first payment
- Sep 17, 20265.60%▼ from 5.85%
- Sep 14, 20265.85%first recorded
699-650
Credit Score > 700
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Model Year: 2025-2023 used vehicles
As Low As; *
- Oct 8, 20265.74%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As*; Loyalty APR: 5.24%; **
Published APR range: 5.75 - 11.50%. Auto loan; Annual Percentage Rate range as printed
As Low As; Year: Used 2021-2019; For vehicles with 100,000+ in mileage add 1%; Security: Title/Ins
Model Year: 2025 - 2024; Loan amount: $17,500+; For autos with 100,000+ in mileage add 1%
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
2020-2016
As Low As; *
- Oct 8, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
Term: up to 72 months (2021 and newer); As Low As**; 2019 - 2022
> 650
Model Year: 2023; Loan amount: $17,500+; For autos with 100,000+ in mileage add 1%
As Low As; Model Year: 2025-2023 used vehicles
699-650
Model Year: 2021 - 2016; For autos with 100,000+ in mileage add 1%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As Low As; *
- Oct 8, 20266.49%▲ from 5.99%
- Sep 16, 20265.99%first recorded
Springfield, NE Auto Loan Rate Trends
Compare local Springfield, 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 0.023 points over the past 7 days to 5.298% APR.
Nebraska used auto rates fell 0.096 points over the past 7 days to 5.792% APR.
Springfield, NE Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Nebraska figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average 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 @ 5.30% APR NE average | Used Auto @ 5.79% APR NE average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.12/mo | $288.54/mo | $3.43/mo |
| $25,000 | $475.20/mo | $480.91/mo | $5.71/mo |
| $35,000 | $665.27/mo | $673.27/mo | $7.99/mo |
| $45,000 | $855.35/mo | $865.63/mo | $10.28/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Springfield, Nebraska
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Springfield, 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 Springfield, 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: Springfield, Nebraska CD rates lock in a guaranteed return until you’re ready to buy
Springfield, Nebraska Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 15.8% of the median individual income in Springfield, Nebraska. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Springfield, 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 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Springfield, Nebraska. We’ve prefilled the APR with today’s NE 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 Springfield, 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 Springfield, 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 Springfield, 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.
Bad Credit Auto Loans in Springfield, Nebraska
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Springfield, 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 Springfield, 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?
Can I get an auto loan with bad credit in Springfield, Nebraska?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Springfield, Nebraska?
- Liberty First Credit Union: 3.49% (Auto Loan Special)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- Metro Federal Credit Union: 3.99% (36 Month or Less Auto Loan)
- Nebraska State Employees Credit Union: 4.00% (New Auto Loans)
- Sun Pacific Federal Credit Union: 4.05% (Car Loans - Risk Grade A+)
Springfield, Nebraska Rates & Resources
