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  9. Auto Loan Rate Trends

Ruth, Nevada Best Auto Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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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| i Editorial Disclosure
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 Ruth, Nevada. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Ruth, Nevada auto loan rates from lenders serving Nevada range from 2.99% to 14.25% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Ruth, Nevada include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11% offering Fixed Rate New & Used Auto Loans at 2.99%, Churchill County Federal Credit UnionChurchill County Federal Credit UnionA+5.0 ★Texas Ratio: 1.52% offering Vehicle Loans at 3.75%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Arrowhead Central Credit UnionArrowhead Central Credit UnionA+5.0 ★Texas Ratio: 3.64% offering New & Used Autos at 3.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Ruth borrowers have access to 17 lenders serving the Nevada area, with auto loan rates as low as 2.99% APR from United Federal 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 Ruth, Nevada. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Ruth, Nevada & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Ruth Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Churchill County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
Vehicle Loans
3.75%
24-84 Months
View
▼
APR3.75%
Term24-84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rate is on approved credit. Terms may apply.

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 10 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 30, 2026: 3.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 36 Months
3.99%
36 Months
View
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 48 Months
4.18%
48 Months
View
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.18% APR · checked 5 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APRSep 18, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
4.25%
Up to 48 months
View
▼
APR4.25%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $5,000 to $9,999; Credit Score: 720+

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
4.25%
Up to 60 months
View
▼
APR4.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $10,000 to $14,999; Credit Score: 720+

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
4.25%
24-Month
View
▼
APR4.25%
Interest Rate4.25%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
4.25%
36-Month
View
▼
APR4.25%
Interest Rate4.25%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
4.25%
48-Month
View
▼
APR4.25%
Interest Rate4.25%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 25, 2026: 4.34% APRSep 25, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loans
4.39%
60-month
View
▼
APR4.39%
Interest Rate4.24%
Term60-month
Last UpdatedOct 10, 2026
Details

Loan Payment Example: An Auto Loan of $33,000 at a rate of 4.24% rate (4.39% APR) for a 60-month term would result in a monthly payment of approximately $611.33.

Rate History
1 change since Sep 14, 2026 · 5.40% → 4.39% ▼ 1.01 pts · high 5.40% / low 4.39%
3.38%4.90%6.41%Sep 14, 2026: 5.40% APROct 10, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▼ from 5.40%
  • Sep 14, 20265.40%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 60 Months
4.39%
60 Months
View
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.39% APR · checked 5 times
3.89%4.39%4.89%Sep 18, 2026: 4.39% APRSep 18, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
4.50%
24-Month
View
▼
APR4.50%
Interest Rate4.50%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 10, 2026: 4.50% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
4.50%
36-Month
View
▼
APR4.50%
Interest Rate4.50%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 10, 2026: 4.50% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
4.50%
48-Month
View
▼
APR4.50%
Interest Rate4.50%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 10, 2026: 4.50% APROct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $5,000 to $9,999; Credit Score: 700-719

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
4.75%
Up to 60 months
View
▼
APR4.75%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $10,000 to $14,999; Credit Score: 700-719

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
4.75%
60-Month
View
▼
APR4.75%
Interest Rate4.75%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2023 - 2024
4.84%
0 - 36 Months
View
▼
APR4.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
No change since Oct 10, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 10, 2026: 4.84% APROct 10, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.85%
Up to 48 Months
View
▼
APR4.85%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 3.80% → 4.85% ▲ 1.05 pts · high 4.85% / low 3.80%
2.75%4.32%5.90%Sep 17, 2026: 3.80% APROct 2, 2026: 4.85% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20264.85%▲ from 3.80%
  • Sep 17, 20263.80%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 72 Months
4.87%
72 Months
View
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.87% APR · checked 5 times
4.37%4.87%5.37%Sep 18, 2026: 4.87% APRSep 18, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 30, 2026: 4.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Boulder Dam Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto
4.99%
Up to 96 Months
View
▼
APR4.99%
TermUp to 96 Months
Last UpdatedOct 10, 2026
Details

Loan Type: New Auto (2025/2026)

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Boulder Dam Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Auto
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 10, 2026
Details

Loan Type: Used Auto (2025 or older)

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
3.10%4.53%5.95%Sep 17, 2026: 4.05% APROct 2, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
5.00%
72-Month
View
▼
APR5.00%
Interest Rate5.00%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
5.00%
60-Month
View
▼
APR5.00%
Interest Rate5.00%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.20%
24 months
View
▼
APR5.20%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 5.20% APR · checked 9 times
4.70%5.20%5.70%Sep 14, 2026: 5.20% APRSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Auto Loan
5.24%
2022 - 2026
View
▼
APR5.24%
Term2022 - 2026
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.24% APR
4.74%5.24%5.74%Sep 29, 2026: 5.24% APRSep 29, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
Auto loans
5.24%
60 months (5 years)
View
▼
APR5.24%
Term60 months (5 years)
Last UpdatedOct 13, 2026
Details

Includes cars, pickup trucks, SUVs, etc.

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 8 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2020 or Newer**

Rate History
2 changes since Sep 17, 2026 · 4.55% → 5.25% ▲ 0.70 pts · high 5.50% / low 4.55%
3.60%5.03%6.45%Sep 17, 2026: 4.55% APROct 2, 2026: 5.50% APROct 4, 2026: 5.25% APRSep 17, 2026Oct 13, 2026
  • Oct 4, 20265.25%▼ from 5.50%
  • Oct 2, 20265.50%▲ from 4.55%
  • Sep 17, 20264.55%first recorded
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
5.25%
Up to 48 months
View
▼
APR5.25%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $5,000 to $9,999; Credit Score: 680 - 699

Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
5.25%
Up to 60 months
View
▼
APR5.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $10,000 to $14,999; Credit Score: 680 - 699

Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Payment Saver Auto Loan
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.25% to 9.25%. Low-payment alternative to leasing; New & used cars and trucks; Ask for details; Rate is increased 1% for mileage over 75,000; Rates stated as APR

Rate History
No change since Sep 12, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 12, 2026: 5.25% APRSep 12, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
5.25%
72-Month
View
▼
APR5.25%
Interest Rate5.25%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 10, 2026: 5.25% APROct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2023 - 2024
5.34%
37 - 75 Months
View
▼
APR5.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
No change since Oct 10, 2026 · 5.34% APR
4.84%5.34%5.84%Oct 10, 2026: 5.34% APROct 10, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
5.34%
76 - 84 Months
View
▼
APR5.34%
Term76 - 84 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.

Rate History
2 changes since Sep 14, 2026 · 4.89% → 5.34% ▲ 0.45 pts · high 5.34% / low 4.89%
4.39%5.12%5.84%Sep 14, 2026: 4.89% APRSep 18, 2026: 5.14% APROct 10, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.34%▲ from 5.14%
  • Sep 18, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 84 Months
5.35%
84 Months
View
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 5.35% APR · checked 5 times
4.85%5.35%5.85%Sep 18, 2026: 5.35% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
5.44%
72 Months
View
▼
APR5.44%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.44% APR · checked 4 times
4.94%5.44%5.94%Sep 25, 2026: 5.44% APRSep 25, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.45%
24 months
View
▼
APR5.45%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 5.45% APR · checked 9 times
4.95%5.45%5.95%Sep 14, 2026: 5.45% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.74% APRSep 17, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.49%▼ from 5.74%
  • Sep 14, 20265.74%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 5.99% → 5.49% ▼ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.99% APRSep 17, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.49%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 6.24% → 5.49% ▼ 0.75 pts · high 6.24% / low 5.49%
4.74%5.87%6.99%Sep 14, 2026: 6.24% APRSep 17, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.49%▼ from 6.24%
  • Sep 14, 20266.24%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Business Auto Loan
5.49%
2021 - 2025
View
▼
APR5.49%
Term2021 - 2025
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.49% APR
4.99%5.49%5.99%Sep 29, 2026: 5.49% APRSep 29, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
Auto loans
5.49%
72 months (6 years)
View
▼
APR5.49%
Term72 months (6 years)
Last UpdatedOct 13, 2026
Details

Includes cars, pickup trucks, SUVs, etc.

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49%-16.99%.

Rate History
No change since Sep 30, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 30, 2026: 5.49% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 16.99%.

Rate History
No change since Oct 10, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
5.50%
84-Month
View
▼
APR5.50%
Interest Rate5.50%
Term84-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedOct 11, 2026
Details

Model Year New - 2025

Rate History
No change since Sep 24, 2026 · 5.59% APR · checked 6 times
5.09%5.59%6.09%Sep 24, 2026: 5.59% APRSep 24, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.65%
72 months
View
▼
APR5.65%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 5.65% APR · checked 9 times
5.15%5.65%6.15%Sep 14, 2026: 5.65% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.70%
24 months
View
▼
APR5.70%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 9 times
5.20%5.70%6.20%Sep 14, 2026: 5.70% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 9 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Auto Loan
5.74%
2018 - 2021
View
▼
APR5.74%
Term2018 - 2021
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.74% APR
5.24%5.74%6.24%Sep 29, 2026: 5.74% APRSep 29, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
5.75%
84-Month
View
▼
APR5.75%
Interest Rate5.75%
Term84-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 10, 2026: 5.75% APROct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
5.94%
84 Months
View
▼
APR5.94%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.94% APR · checked 4 times
5.44%5.94%6.44%Sep 25, 2026: 5.94% APRSep 25, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.95%
24 months
View
▼
APR5.95%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 5.95% APR · checked 9 times
5.45%5.95%6.45%Sep 14, 2026: 5.95% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
5.99%
75 months
View
▼
APR5.99%
Term75 months
Last UpdatedOct 11, 2026
Details

Model Year New - 2025

Rate History
1 change since Sep 24, 2026 · 5.89% → 5.99% ▲ 0.10 pts · high 5.99% / low 5.89%
5.39%5.94%6.49%Sep 24, 2026: 5.89% APRSep 27, 2026: 5.99% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20265.99%▲ from 5.89%
  • Sep 24, 20265.89%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedOct 11, 2026
Details

Model Year New - 2025

Rate History
No change since Sep 24, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 24, 2026: 5.99% APRSep 24, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.99%
48 months
View
▼
APR5.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.99%
36 months
View
▼
APR5.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 6.24% → 5.99% ▼ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 6.24% APRSep 17, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.99%▼ from 6.24%
  • Sep 14, 20266.24%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.99%
48 months
View
▼
APR5.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 6.49% → 5.99% ▼ 0.50 pts · high 6.49% / low 5.99%
5.49%6.24%6.99%Sep 14, 2026: 6.49% APRSep 17, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.99%▼ from 6.49%
  • Sep 14, 20266.49%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 6.74% → 5.99% ▼ 0.75 pts · high 6.74% / low 5.99%
5.24%6.37%7.49%Sep 14, 2026: 6.74% APRSep 17, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.99%▼ from 6.74%
  • Sep 14, 20266.74%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Business Auto Loan
5.99%
2017 - 2020
View
▼
APR5.99%
Term2017 - 2020
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.99% APR
5.49%5.99%6.49%Sep 29, 2026: 5.99% APRSep 29, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99%-7.49%. **

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 7.49%.

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
6.00%
Up to 84 Months
View
▼
APR6.00%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2022 or Newer

Rate History
1 change since Sep 17, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05%
4.10%5.53%6.95%Sep 17, 2026: 5.05% APROct 2, 2026: 6.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20266.00%▲ from 5.05%
  • Sep 17, 20265.05%first recorded
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
6.00%
Up to 72 months
View
▼
APR6.00%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $24,999; Credit Score: 720+

Rate History
No change since Oct 12, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 12, 2026: 6.00% APROct 12, 2026Oct 13, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
6.09%
75 months
View
▼
APR6.09%
Term75 months
Last UpdatedOct 11, 2026
Details

Model Year 2024 - 2021

Rate History
1 change since Sep 24, 2026 · 5.89% → 6.09% ▲ 0.20 pts · high 6.09% / low 5.89%
5.39%5.99%6.59%Sep 24, 2026: 5.89% APRSep 27, 2026: 6.09% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.09%▲ from 5.89%
  • Sep 24, 20265.89%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.15%
72 months
View
▼
APR6.15%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 6.15% APR · checked 9 times
5.65%6.15%6.65%Sep 14, 2026: 6.15% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • 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
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

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

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • 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
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 9 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.24%
36 months
View
▼
APR6.24%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 9 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
6.25%
Up to 72 months
View
▼
APR6.25%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $24,999; Credit Score: 700-719

Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • 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
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

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

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • 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
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
6.29%
37-60 months
View
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 11, 2026
Details

Model Year 2024 - 2021

Rate History
1 change since Sep 24, 2026 · 5.59% → 6.29% ▲ 0.70 pts · high 6.29% / low 5.59%
4.89%5.94%6.99%Sep 24, 2026: 5.59% APRSep 27, 2026: 6.29% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.29%▲ from 5.59%
  • Sep 24, 20265.59%first recorded
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
6.29%
36 months
View
▼
APR6.29%
Term36 months
Last UpdatedOct 11, 2026
Details

Model Year New - 2025

Rate History
1 change since Sep 24, 2026 · 5.49% → 6.29% ▲ 0.80 pts · high 6.29% / low 5.49%
4.69%5.89%7.09%Sep 24, 2026: 5.49% APRSep 27, 2026: 6.29% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.29%▲ from 5.49%
  • Sep 24, 20265.49%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2023 - 2024
6.34%
76 - 84 Months
View
▼
APR6.34%
Term76 - 84 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term; *Please call for rates on model years 2022 or older.

Rate History
No change since Oct 10, 2026 · 6.34% APR
5.84%6.34%6.84%Oct 10, 2026: 6.34% APROct 10, 2026Oct 13, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
6.39%
75 months
View
▼
APR6.39%
Term75 months
Last UpdatedOct 11, 2026
Details

Model Year 2020 - 2016

Rate History
1 change since Sep 24, 2026 · 5.89% → 6.39% ▲ 0.50 pts · high 6.39% / low 5.89%
5.39%6.14%6.89%Sep 24, 2026: 5.89% APRSep 27, 2026: 6.39% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.39%▲ from 5.89%
  • Sep 24, 20265.89%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
6.40%
72 months
View
▼
APR6.40%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.40% APR · checked 9 times
5.90%6.40%6.90%Sep 14, 2026: 6.40% APRSep 14, 2026Oct 13, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedOct 11, 2026
Details

Model Year 2024 - 2021

Rate History
1 change since Sep 24, 2026 · 6.29% → 6.49% ▲ 0.20 pts · high 6.49% / low 6.29%
5.79%6.39%6.99%Sep 24, 2026: 6.29% APRSep 27, 2026: 6.49% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.49%▲ from 6.29%
  • Sep 24, 20266.29%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 9 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.49%
48 months
View
▼
APR6.49%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 9 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
6.50%
Up to 84 months
View
▼
APR6.50%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Loan Amount: Over $25,000; Credit Score: 720+

Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
6.50%
24-Month
View
▼
APR6.50%
Interest Rate6.50%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
6.59%
36 months
View
▼
APR6.59%
Term36 months
Last UpdatedOct 11, 2026
Details

Model Year 2024 - 2021

Rate History
1 change since Sep 24, 2026 · 5.49% → 6.59% ▲ 1.10 pts · high 6.59% / low 5.49%
4.39%6.04%7.69%Sep 24, 2026: 5.49% APRSep 27, 2026: 6.59% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.59%▲ from 5.49%
  • Sep 24, 20265.49%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.74%
60 months
View
▼
APR6.74%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 9 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
6.75%
Up to 48 months
View
▼
APR6.75%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $5,000 to $9,999; Credit Score: 650 - 679

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
6.75%
Up to 60 months
View
▼
APR6.75%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $10,000 to $14,999; Credit Score: 650 - 679

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
6.75%
Up to 72 months
View
▼
APR6.75%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $24,999; Credit Score: 680 - 699

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Loan Amount: Over $25,000; Credit Score: 700-719

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
6.75%
36-Month
View
▼
APR6.75%
Interest Rate6.75%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
Automobiles & Light-Duty Trucks
6.79%
36 months
View
▼
APR6.79%
Term36 months
Last UpdatedOct 11, 2026
Details

Model Year 2020 - 2016

Rate History
1 change since Sep 24, 2026 · 5.49% → 6.79% ▲ 1.30 pts · high 6.79% / low 5.49%
4.19%6.14%8.09%Sep 24, 2026: 5.49% APRSep 27, 2026: 6.79% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.79%▲ from 5.49%
  • Sep 24, 20265.49%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
6.90%
24 months
View
▼
APR6.90%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 9 times
6.40%6.90%7.40%Sep 14, 2026: 6.90% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.90%
72 months
View
▼
APR6.90%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 9 times
6.40%6.90%7.40%Sep 14, 2026: 6.90% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
6.98%
73-84 Months
View
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
6.98%
73-84 months
View
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
7.00%
48-Month
View
▼
APR7.00%
Interest Rate7.00%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
7.00%
24-Month
View
▼
APR7.00%
Interest Rate7.00%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 10, 2026: 7.00% APROct 10, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Classic Cars Loan
7.25%
48 Months
View
▼
APR7.25%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2015 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 7.25% APR · checked 4 times
6.75%7.25%7.75%Sep 25, 2026: 7.25% APRSep 25, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
7.25%
Up to 84 months
View
▼
APR7.25%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Loan Amount: Over $25,000; Credit Score: 680 - 699

Rate History
No change since Oct 12, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 12, 2026: 7.25% APROct 12, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
7.25%
36 months
View
▼
APR7.25%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 9 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
7.25%
36-Month
View
▼
APR7.25%
Interest Rate7.25%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 10, 2026: 7.25% APROct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
7.39%
85-96 Months
View
▼
APR7.39%
Term85-96 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
7.39%
85-96 months
View
▼
APR7.39%
Term85-96 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Oct 1, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 1, 2026: 7.39% APROct 1, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
7.39%
61-72 months
View
▼
APR7.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
7.45%
up to 36 months
View
▼
APR7.45%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.45% APR · checked 4 times
6.95%7.45%7.95%Sep 30, 2026: 7.45% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
7.45%
37-60 months
View
▼
APR7.45%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.45% APR · checked 4 times
6.95%7.45%7.95%Sep 30, 2026: 7.45% APRSep 30, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
7.49%
84 months
View
▼
APR7.49%
Term84 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 9 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
7.50%
48 months
View
▼
APR7.50%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 9 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
7.50%
60-Month
View
▼
APR7.50%
Interest Rate7.50%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
7.50%
48-Month
View
▼
APR7.50%
Interest Rate7.50%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 10, 2026: 7.50% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
7.60%
24 months
View
▼
APR7.60%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.60% APR · checked 9 times
7.10%7.60%8.10%Sep 14, 2026: 7.60% APRSep 14, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedOct 13, 2026
Details

$30,000; As Low As; Fixed; Rates for Utah; Minimum loan amount of $30,000 required

Rate History
No change since Sep 14, 2026 · 7.74% APR · checked 8 times
7.24%7.74%8.24%Sep 14, 2026: 7.74% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
7.75%
60 months
View
▼
APR7.75%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 9 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
7.75%
72-Month
View
▼
APR7.75%
Interest Rate7.75%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
7.85%
36 months
View
▼
APR7.85%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.85% APR · checked 9 times
7.35%7.85%8.35%Sep 14, 2026: 7.85% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loans
8.08%
73-84 months
View
▼
APR8.08%
Interest Rate7.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

Loan terms of 73-84 months require a minimum loan amount of $15,000. Rates shown are available to qualified borrowers.

Rate History
No change since Oct 10, 2026 · 8.08% APR
7.58%8.08%8.58%Oct 10, 2026: 8.08% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
8.10%
48 months
View
▼
APR8.10%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 8.10% APR · checked 9 times
7.60%8.10%8.60%Sep 14, 2026: 8.10% APRSep 14, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
8.25%
Up to 72 months
View
▼
APR8.25%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $24,999; Credit Score: 650 - 679

Rate History
No change since Oct 12, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 12, 2026: 8.25% APROct 12, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
8.25%
60-Month
View
▼
APR8.25%
Interest Rate8.25%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 10, 2026: 8.25% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
8.35%
60 months
View
▼
APR8.35%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 8.35% APR · checked 9 times
7.85%8.35%8.85%Sep 14, 2026: 8.35% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
8.44%
72 months
View
▼
APR8.44%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 8.44% APR · checked 9 times
7.94%8.44%8.94%Sep 14, 2026: 8.44% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
8.50%
72-Month
View
▼
APR8.50%
Interest Rate8.50%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 10, 2026: 8.50% APROct 10, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
8.75%
Up to 84 months
View
▼
APR8.75%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Loan Amount: Over $25,000; Credit Score: 650 - 679

Rate History
No change since Oct 12, 2026 · 8.75% APR
8.25%8.75%9.25%Oct 12, 2026: 8.75% APROct 12, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
8.84%
72 months
View
▼
APR8.84%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 8.84% APR · checked 9 times
8.34%8.84%9.34%Sep 14, 2026: 8.84% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
9.80%
61-72 months
View
▼
APR9.80%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
9.80%
73-84 months
View
▼
APR9.80%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Other Eligible Vehicles Loan
9.80%
85-180 months
View
▼
APR9.80%
Term85-180 months
Last UpdatedOct 10, 2026
Details

As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.

Rate History
No change since Sep 30, 2026 · 9.80% APR · checked 4 times
9.30%9.80%10.30%Sep 30, 2026: 9.80% APRSep 30, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
First-Time Auto Loan
10.49%
2022 - 2026
View
▼
APR10.49%
Term2022 - 2026
Last UpdatedSep 29, 2026
Details

Minimum Loan Amount: $2,500.00 - $20,000.00

Rate History
No change since Sep 29, 2026 · 10.49% APR
9.99%10.49%10.99%Sep 29, 2026: 10.49% APRSep 29, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Smart Start New & Used Auto
10.49%
Up to 60 Months
View
▼
APR10.49%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Dependent on amount financed

Rate History
No change since Sep 30, 2026 · 10.49% APR · checked 4 times
9.99%10.49%10.99%Sep 30, 2026: 10.49% APRSep 30, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
10.75%
Up to 48 months
View
▼
APR10.75%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $5,000 to $9,999; Credit Score: 625 - 649

Rate History
No change since Oct 12, 2026 · 10.75% APR
10.25%10.75%11.25%Oct 12, 2026: 10.75% APROct 12, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
10.75%
Up to 60 months
View
▼
APR10.75%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $10,000 to $14,999; Credit Score: 625 - 649

Rate History
No change since Oct 12, 2026 · 10.75% APR
10.25%10.75%11.25%Oct 12, 2026: 10.75% APROct 12, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
First-Time Auto Loan
10.99%
2018 - 2021
View
▼
APR10.99%
Term2018 - 2021
Last UpdatedSep 29, 2026
Details

Minimum Loan Amount: $2,500.00 - $20,000.00

Rate History
No change since Sep 29, 2026 · 10.99% APR
10.49%10.99%11.49%Sep 29, 2026: 10.99% APRSep 29, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Smart Start New & Used Auto
10.99%
72 Months
View
▼
APR10.99%
Term72 Months
Last UpdatedOct 10, 2026
Details

Dependent on amount financed

Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
10.49%10.99%11.49%Sep 30, 2026: 10.99% APRSep 30, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
11.00%
24-Month
View
▼
APR11.00%
Interest Rate11.00%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 2 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
11.25%
24 months
View
▼
APR11.25%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 9 times
10.75%11.25%11.75%Sep 14, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
11.25%
36-Month
View
▼
APR11.25%
Interest Rate11.25%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 2 times
10.75%11.25%11.75%Sep 14, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
11.40%
36 months
View
▼
APR11.40%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 11.40% APR · checked 9 times
10.90%11.40%11.90%Sep 14, 2026: 11.40% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
11.50%
48-Month
View
▼
APR11.50%
Interest Rate11.50%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 2 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
11.75%
48 months
View
▼
APR11.75%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 9 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
11.85%
24 months
View
▼
APR11.85%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 11.85% APR · checked 9 times
11.35%11.85%12.35%Sep 14, 2026: 11.85% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
12.00%
60 months
View
▼
APR12.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 9 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
12.00%
60-Month
View
▼
APR12.00%
Interest Rate12.00%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 2 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
12.10%
36 months
View
▼
APR12.10%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.10% APR · checked 9 times
11.60%12.10%12.60%Sep 14, 2026: 12.10% APRSep 14, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
12.25%
Up to 72 months
View
▼
APR12.25%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Loan Amount: $15,000 to $24,999; Credit Score: 625 - 649

Rate History
No change since Oct 12, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 12, 2026: 12.25% APROct 12, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
12.25%
72 months
View
▼
APR12.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 9 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
12.25%
72-Month
View
▼
APR12.25%
Interest Rate12.25%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 2 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
12.25%
24-Month
View
▼
APR12.25%
Interest Rate12.25%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 10, 2026: 12.25% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
12.35%
48 months
View
▼
APR12.35%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.35% APR · checked 9 times
11.85%12.35%12.85%Sep 14, 2026: 12.35% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
12.50%
36-Month
View
▼
APR12.50%
Interest Rate12.50%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 12.50% APR
12.00%12.50%13.00%Oct 10, 2026: 12.50% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
12.60%
60 months
View
▼
APR12.60%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.60% APR · checked 9 times
12.10%12.60%13.10%Sep 14, 2026: 12.60% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
12.75%
24-Month
View
▼
APR12.75%
Interest Rate12.75%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 2 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
12.75%
48-Month
View
▼
APR12.75%
Interest Rate12.75%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 12.75% APR
12.25%12.75%13.25%Oct 10, 2026: 12.75% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
13.00%
36-Month
View
▼
APR13.00%
Interest Rate13.00%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 2 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
13.05%
24 months
View
▼
APR13.05%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 13.05% APR · checked 9 times
12.55%13.05%13.55%Sep 14, 2026: 13.05% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
13.10%
36 months
View
▼
APR13.10%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 13.10% APR · checked 9 times
12.60%13.10%13.60%Sep 14, 2026: 13.10% APRSep 14, 2026Oct 13, 2026
Great Basin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
Auto Loan
13.25%
Up to 84 months
View
▼
APR13.25%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Loan Amount: Over $25,000; Credit Score: 625 - 649

Rate History
No change since Oct 12, 2026 · 13.25% APR
12.75%13.25%13.75%Oct 12, 2026: 13.25% APROct 12, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
13.25%
48-Month
View
▼
APR13.25%
Interest Rate13.25%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 13.25% APR · checked 2 times
12.75%13.25%13.75%Sep 14, 2026: 13.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
13.25%
60-Month
View
▼
APR13.25%
Interest Rate13.25%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 13.25% APR
12.75%13.25%13.75%Oct 10, 2026: 13.25% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
13.35%
48 months
View
▼
APR13.35%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 13.35% APR · checked 9 times
12.85%13.35%13.85%Sep 14, 2026: 13.35% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
13.60%
60 months
View
▼
APR13.60%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 13.60% APR · checked 9 times
13.10%13.60%14.10%Sep 14, 2026: 13.60% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
13.75%
60-Month
View
▼
APR13.75%
Interest Rate13.75%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 2 times
13.25%13.75%14.25%Sep 14, 2026: 13.75% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
13.75%
72-Month
View
▼
APR13.75%
Interest Rate13.75%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 10, 2026: 13.75% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
13.75%
24-Month
View
▼
APR13.75%
Interest Rate13.75%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Oct 10, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 10, 2026: 13.75% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
14.00%
72-Month
View
▼
APR14.00%
Interest Rate14.00%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 2 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
14.00%
36-Month
View
▼
APR14.00%
Interest Rate14.00%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Oct 10, 2026 · 14.00% APR
13.50%14.00%14.50%Oct 10, 2026: 14.00% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
14.15%
24 months
View
▼
APR14.15%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 14.15% APR · checked 9 times
13.65%14.15%14.65%Sep 14, 2026: 14.15% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
14.25%
48-Month
View
▼
APR14.25%
Interest Rate14.25%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Oct 10, 2026 · 14.25% APR
13.75%14.25%14.75%Oct 10, 2026: 14.25% APROct 10, 2026Oct 13, 2026

Ruth New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 30, 2026: 3.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 36 Months
3.99%
36 Months
View
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 48 Months
4.18%
48 Months
View
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.18% APR · checked 5 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APRSep 18, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
4.25%
24-Month
View
▼
APR4.25%
Interest Rate4.25%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
4.25%
36-Month
View
▼
APR4.25%
Interest Rate4.25%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
4.25%
48-Month
View
▼
APR4.25%
Interest Rate4.25%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 25, 2026: 4.34% APRSep 25, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 60 Months
4.39%
60 Months
View
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.39% APR · checked 5 times
3.89%4.39%4.89%Sep 18, 2026: 4.39% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
4.75%
60-Month
View
▼
APR4.75%
Interest Rate4.75%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.85%
Up to 48 Months
View
▼
APR4.85%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 3.80% → 4.85% ▲ 1.05 pts · high 4.85% / low 3.80%
2.75%4.32%5.90%Sep 17, 2026: 3.80% APROct 2, 2026: 4.85% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20264.85%▲ from 3.80%
  • Sep 17, 20263.80%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 72 Months
4.87%
72 Months
View
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.87% APR · checked 5 times
4.37%4.87%5.37%Sep 18, 2026: 4.87% APRSep 18, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 30, 2026: 4.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Boulder Dam Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
New Auto
4.99%
Up to 96 Months
View
▼
APR4.99%
TermUp to 96 Months
Last UpdatedOct 10, 2026
Details

Loan Type: New Auto (2025/2026)

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
3.10%4.53%5.95%Sep 17, 2026: 4.05% APROct 2, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
5.00%
72-Month
View
▼
APR5.00%
Interest Rate5.00%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.20%
24 months
View
▼
APR5.20%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 5.20% APR · checked 9 times
4.70%5.20%5.70%Sep 14, 2026: 5.20% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2020 or Newer**

Rate History
2 changes since Sep 17, 2026 · 4.55% → 5.25% ▲ 0.70 pts · high 5.50% / low 4.55%
3.60%5.03%6.45%Sep 17, 2026: 4.55% APROct 2, 2026: 5.50% APROct 4, 2026: 5.25% APRSep 17, 2026Oct 13, 2026
  • Oct 4, 20265.25%▼ from 5.50%
  • Oct 2, 20265.50%▲ from 4.55%
  • Sep 17, 20264.55%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
5.34%
76 - 84 Months
View
▼
APR5.34%
Term76 - 84 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.

Rate History
2 changes since Sep 14, 2026 · 4.89% → 5.34% ▲ 0.45 pts · high 5.34% / low 4.89%
4.39%5.12%5.84%Sep 14, 2026: 4.89% APRSep 18, 2026: 5.14% APROct 10, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.34%▲ from 5.14%
  • Sep 18, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
New Auto 2025 & Newer - 84 Months
5.35%
84 Months
View
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 5.35% APR · checked 5 times
4.85%5.35%5.85%Sep 18, 2026: 5.35% APRSep 18, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
5.44%
72 Months
View
▼
APR5.44%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.44% APR · checked 4 times
4.94%5.44%5.94%Sep 25, 2026: 5.44% APRSep 25, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.45%
24 months
View
▼
APR5.45%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 5.45% APR · checked 9 times
4.95%5.45%5.95%Sep 14, 2026: 5.45% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.74% APRSep 17, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.49%▼ from 5.74%
  • Sep 14, 20265.74%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 5.99% → 5.49% ▼ 0.50 pts · high 5.99% / low 5.49%
4.99%5.74%6.49%Sep 14, 2026: 5.99% APRSep 17, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.49%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 6.24% → 5.49% ▼ 0.75 pts · high 6.24% / low 5.49%
4.74%5.87%6.99%Sep 14, 2026: 6.24% APRSep 17, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.49%▼ from 6.24%
  • Sep 14, 20266.24%first recorded
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49%-16.99%.

Rate History
No change since Sep 30, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 30, 2026: 5.49% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 16.99%.

Rate History
No change since Oct 10, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
5.50%
84-Month
View
▼
APR5.50%
Interest Rate5.50%
Term84-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.65%
72 months
View
▼
APR5.65%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 5.65% APR · checked 9 times
5.15%5.65%6.15%Sep 14, 2026: 5.65% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 5.74% APR · checked 9 times
5.24%5.74%6.24%Sep 14, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
5.94%
84 Months
View
▼
APR5.94%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.94% APR · checked 4 times
5.44%5.94%6.44%Sep 25, 2026: 5.94% APRSep 25, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
5.99%
48 months
View
▼
APR5.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 9 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99%-7.49%. **

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 7.49%.

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
6.00%
Up to 84 Months
View
▼
APR6.00%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2022 or Newer

Rate History
1 change since Sep 17, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05%
4.10%5.53%6.95%Sep 17, 2026: 5.05% APROct 2, 2026: 6.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20266.00%▲ from 5.05%
  • Sep 17, 20265.05%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • 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
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

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

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • 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
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 9 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
6.40%
72 months
View
▼
APR6.40%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.40% APR · checked 9 times
5.90%6.40%6.90%Sep 14, 2026: 6.40% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 9 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
6.50%
24-Month
View
▼
APR6.50%
Interest Rate6.50%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
6.75%
36-Month
View
▼
APR6.75%
Interest Rate6.75%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 2 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
6.90%
24 months
View
▼
APR6.90%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 9 times
6.40%6.90%7.40%Sep 14, 2026: 6.90% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
7.00%
48-Month
View
▼
APR7.00%
Interest Rate7.00%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
7.25%
36 months
View
▼
APR7.25%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.25% APR · checked 9 times
6.75%7.25%7.75%Sep 14, 2026: 7.25% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
7.39%
85-96 Months
View
▼
APR7.39%
Term85-96 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
7.39%
85-96 months
View
▼
APR7.39%
Term85-96 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Oct 1, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 1, 2026: 7.39% APROct 1, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
7.49%
84 months
View
▼
APR7.49%
Term84 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 7.49% APR · checked 9 times
6.99%7.49%7.99%Sep 14, 2026: 7.49% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
7.50%
48 months
View
▼
APR7.50%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 9 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
7.50%
60-Month
View
▼
APR7.50%
Interest Rate7.50%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Sep 14, 2026: 7.50% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
7.75%
60 months
View
▼
APR7.75%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 9 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
7.75%
72-Month
View
▼
APR7.75%
Interest Rate7.75%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Sep 14, 2026 · 7.75% APR · checked 2 times
7.25%7.75%8.25%Sep 14, 2026: 7.75% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
8.44%
72 months
View
▼
APR8.44%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 8.44% APR · checked 9 times
7.94%8.44%8.94%Sep 14, 2026: 8.44% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Smart Start New & Used Auto
10.49%
Up to 60 Months
View
▼
APR10.49%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Dependent on amount financed

Rate History
No change since Sep 30, 2026 · 10.49% APR · checked 4 times
9.99%10.49%10.99%Sep 30, 2026: 10.49% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Smart Start New & Used Auto
10.99%
72 Months
View
▼
APR10.99%
Term72 Months
Last UpdatedOct 10, 2026
Details

Dependent on amount financed

Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
10.49%10.99%11.49%Sep 30, 2026: 10.99% APRSep 30, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
11.00%
24-Month
View
▼
APR11.00%
Interest Rate11.00%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 11.00% APR · checked 2 times
10.50%11.00%11.50%Sep 14, 2026: 11.00% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
11.25%
24 months
View
▼
APR11.25%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 9 times
10.75%11.25%11.75%Sep 14, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
11.25%
36-Month
View
▼
APR11.25%
Interest Rate11.25%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 11.25% APR · checked 2 times
10.75%11.25%11.75%Sep 14, 2026: 11.25% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
11.40%
36 months
View
▼
APR11.40%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 11.40% APR · checked 9 times
10.90%11.40%11.90%Sep 14, 2026: 11.40% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
11.50%
48-Month
View
▼
APR11.50%
Interest Rate11.50%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 2 times
11.00%11.50%12.00%Sep 14, 2026: 11.50% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
11.75%
48 months
View
▼
APR11.75%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 11.75% APR · checked 9 times
11.25%11.75%12.25%Sep 14, 2026: 11.75% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
12.00%
60 months
View
▼
APR12.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 9 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
12.00%
60-Month
View
▼
APR12.00%
Interest Rate12.00%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 12.00% APR · checked 2 times
11.50%12.00%12.50%Sep 14, 2026: 12.00% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
12.25%
72 months
View
▼
APR12.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 9 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
12.25%
72-Month
View
▼
APR12.25%
Interest Rate12.25%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Sep 14, 2026 · 12.25% APR · checked 2 times
11.75%12.25%12.75%Sep 14, 2026: 12.25% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
12.75%
24-Month
View
▼
APR12.75%
Interest Rate12.75%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 12.75% APR · checked 2 times
12.25%12.75%13.25%Sep 14, 2026: 12.75% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
13.00%
36-Month
View
▼
APR13.00%
Interest Rate13.00%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 13.00% APR · checked 2 times
12.50%13.00%13.50%Sep 14, 2026: 13.00% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
13.05%
24 months
View
▼
APR13.05%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 13.05% APR · checked 9 times
12.55%13.05%13.55%Sep 14, 2026: 13.05% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
13.10%
36 months
View
▼
APR13.10%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 13.10% APR · checked 9 times
12.60%13.10%13.60%Sep 14, 2026: 13.10% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
13.25%
48-Month
View
▼
APR13.25%
Interest Rate13.25%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 13.25% APR · checked 2 times
12.75%13.25%13.75%Sep 14, 2026: 13.25% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
13.35%
48 months
View
▼
APR13.35%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 13.35% APR · checked 9 times
12.85%13.35%13.85%Sep 14, 2026: 13.35% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
New Auto - 2023 or Newer
13.60%
60 months
View
▼
APR13.60%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 13.60% APR · checked 9 times
13.10%13.60%14.10%Sep 14, 2026: 13.60% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
13.75%
60-Month
View
▼
APR13.75%
Interest Rate13.75%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 13.75% APR · checked 2 times
13.25%13.75%14.25%Sep 14, 2026: 13.75% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Vehicle Loan - 2024-2026
14.00%
72-Month
View
▼
APR14.00%
Interest Rate14.00%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Sep 14, 2026 · 14.00% APR · checked 2 times
13.50%14.00%14.50%Sep 14, 2026: 14.00% APRSep 14, 2026Oct 13, 2026

Ruth Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 30, 2026: 3.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 25, 2026: 4.34% APRSep 25, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
4.50%
24-Month
View
▼
APR4.50%
Interest Rate4.50%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 10, 2026: 4.50% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
4.50%
36-Month
View
▼
APR4.50%
Interest Rate4.50%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 10, 2026: 4.50% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
4.50%
48-Month
View
▼
APR4.50%
Interest Rate4.50%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 10, 2026: 4.50% APROct 10, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.85%
Up to 48 Months
View
▼
APR4.85%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 3.80% → 4.85% ▲ 1.05 pts · high 4.85% / low 3.80%
2.75%4.32%5.90%Sep 17, 2026: 3.80% APROct 2, 2026: 4.85% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20264.85%▲ from 3.80%
  • Sep 17, 20263.80%first recorded
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 30, 2026: 4.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Boulder Dam Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Used Auto
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 10, 2026
Details

Loan Type: Used Auto (2025 or older)

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
3.10%4.53%5.95%Sep 17, 2026: 4.05% APROct 2, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
5.00%
60-Month
View
▼
APR5.00%
Interest Rate5.00%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 10, 2026: 5.00% APROct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2020 or Newer**

Rate History
2 changes since Sep 17, 2026 · 4.55% → 5.25% ▲ 0.70 pts · high 5.50% / low 4.55%
3.60%5.03%6.45%Sep 17, 2026: 4.55% APROct 2, 2026: 5.50% APROct 4, 2026: 5.25% APRSep 17, 2026Oct 13, 2026
  • Oct 4, 20265.25%▼ from 5.50%
  • Oct 2, 20265.50%▲ from 4.55%
  • Sep 17, 20264.55%first recorded
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
5.25%
72-Month
View
▼
APR5.25%
Interest Rate5.25%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 10, 2026: 5.25% APROct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
5.44%
72 Months
View
▼
APR5.44%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.44% APR · checked 4 times
4.94%5.44%5.94%Sep 25, 2026: 5.44% APRSep 25, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49%-16.99%.

Rate History
No change since Sep 30, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 30, 2026: 5.49% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 16.99%.

Rate History
No change since Oct 10, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.70%
24 months
View
▼
APR5.70%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 9 times
5.20%5.70%6.20%Sep 14, 2026: 5.70% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
5.75%
84-Month
View
▼
APR5.75%
Interest Rate5.75%
Term84-Month
Last UpdatedOct 10, 2026
Details

Level: A

Rate History
No change since Oct 10, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 10, 2026: 5.75% APROct 10, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New and Used Auto Loan
5.94%
84 Months
View
▼
APR5.94%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.94% APR · checked 4 times
5.44%5.94%6.44%Sep 25, 2026: 5.94% APRSep 25, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.95%
24 months
View
▼
APR5.95%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 5.95% APR · checked 9 times
5.45%5.95%6.45%Sep 14, 2026: 5.95% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.99%
36 months
View
▼
APR5.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 6.24% → 5.99% ▼ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 14, 2026: 6.24% APRSep 17, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.99%▼ from 6.24%
  • Sep 14, 20266.24%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.99%
48 months
View
▼
APR5.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 6.49% → 5.99% ▼ 0.50 pts · high 6.49% / low 5.99%
5.49%6.24%6.99%Sep 14, 2026: 6.49% APRSep 17, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.99%▼ from 6.49%
  • Sep 14, 20266.49%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
1 change since Sep 14, 2026 · 6.74% → 5.99% ▼ 0.75 pts · high 6.74% / low 5.99%
5.24%6.37%7.49%Sep 14, 2026: 6.74% APRSep 17, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.99%▼ from 6.74%
  • Sep 14, 20266.74%first recorded
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Autos
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99%-7.49%. **

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
New & Used Vehicles Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 7.49%.

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
6.00%
Up to 84 Months
View
▼
APR6.00%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2022 or Newer

Rate History
1 change since Sep 17, 2026 · 5.05% → 6.00% ▲ 0.95 pts · high 6.00% / low 5.05%
4.10%5.53%6.95%Sep 17, 2026: 5.05% APROct 2, 2026: 6.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20266.00%▲ from 5.05%
  • Sep 17, 20265.05%first recorded
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.15%
72 months
View
▼
APR6.15%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 720+

Rate History
No change since Sep 14, 2026 · 6.15% APR · checked 9 times
5.65%6.15%6.65%Sep 14, 2026: 6.15% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.24%
36 months
View
▼
APR6.24%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 9 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • 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
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

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

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • 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
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
6.29%
37-60 months
View
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.49%
48 months
View
▼
APR6.49%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.49% APR · checked 9 times
5.99%6.49%6.99%Sep 14, 2026: 6.49% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.74%
60 months
View
▼
APR6.74%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 9 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
6.90%
72 months
View
▼
APR6.90%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 680-719

Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 9 times
6.40%6.90%7.40%Sep 14, 2026: 6.90% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
6.98%
73-84 Months
View
▼
APR6.98%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
6.98%
73-84 months
View
▼
APR6.98%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 6.98% APR · checked 4 times
6.48%6.98%7.48%Sep 30, 2026: 6.98% APRSep 30, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
7.00%
24-Month
View
▼
APR7.00%
Interest Rate7.00%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 7.00% APR
6.50%7.00%7.50%Oct 10, 2026: 7.00% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
7.25%
36-Month
View
▼
APR7.25%
Interest Rate7.25%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 7.25% APR
6.75%7.25%7.75%Oct 10, 2026: 7.25% APROct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
7.39%
61-72 months
View
▼
APR7.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 7.39% APR · checked 4 times
6.89%7.39%7.89%Sep 30, 2026: 7.39% APRSep 30, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
7.50%
48-Month
View
▼
APR7.50%
Interest Rate7.50%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 7.50% APR
7.00%7.50%8.00%Oct 10, 2026: 7.50% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
7.60%
24 months
View
▼
APR7.60%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.60% APR · checked 9 times
7.10%7.60%8.10%Sep 14, 2026: 7.60% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
7.85%
36 months
View
▼
APR7.85%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 7.85% APR · checked 9 times
7.35%7.85%8.35%Sep 14, 2026: 7.85% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
8.10%
48 months
View
▼
APR8.10%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 8.10% APR · checked 9 times
7.60%8.10%8.60%Sep 14, 2026: 8.10% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
8.25%
60-Month
View
▼
APR8.25%
Interest Rate8.25%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 8.25% APR
7.75%8.25%8.75%Oct 10, 2026: 8.25% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
8.35%
60 months
View
▼
APR8.35%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 8.35% APR · checked 9 times
7.85%8.35%8.85%Sep 14, 2026: 8.35% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
8.50%
72-Month
View
▼
APR8.50%
Interest Rate8.50%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: C

Rate History
No change since Oct 10, 2026 · 8.50% APR
8.00%8.50%9.00%Oct 10, 2026: 8.50% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
8.84%
72 months
View
▼
APR8.84%
Term72 months
Last UpdatedOct 13, 2026
Details

Credit Score: 640-679

Rate History
No change since Sep 14, 2026 · 8.84% APR · checked 9 times
8.34%8.84%9.34%Sep 14, 2026: 8.84% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Smart Start New & Used Auto
10.49%
Up to 60 Months
View
▼
APR10.49%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Dependent on amount financed

Rate History
No change since Sep 30, 2026 · 10.49% APR · checked 4 times
9.99%10.49%10.99%Sep 30, 2026: 10.49% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Smart Start New & Used Auto
10.99%
72 Months
View
▼
APR10.99%
Term72 Months
Last UpdatedOct 10, 2026
Details

Dependent on amount financed

Rate History
No change since Sep 30, 2026 · 10.99% APR · checked 4 times
10.49%10.99%11.49%Sep 30, 2026: 10.99% APRSep 30, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
11.85%
24 months
View
▼
APR11.85%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 11.85% APR · checked 9 times
11.35%11.85%12.35%Sep 14, 2026: 11.85% APRSep 14, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
12.10%
36 months
View
▼
APR12.10%
Term36 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.10% APR · checked 9 times
11.60%12.10%12.60%Sep 14, 2026: 12.10% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
12.25%
24-Month
View
▼
APR12.25%
Interest Rate12.25%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 12.25% APR
11.75%12.25%12.75%Oct 10, 2026: 12.25% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
12.35%
48 months
View
▼
APR12.35%
Term48 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.35% APR · checked 9 times
11.85%12.35%12.85%Sep 14, 2026: 12.35% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
12.50%
36-Month
View
▼
APR12.50%
Interest Rate12.50%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 12.50% APR
12.00%12.50%13.00%Oct 10, 2026: 12.50% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
12.60%
60 months
View
▼
APR12.60%
Term60 months
Last UpdatedOct 13, 2026
Details

Credit Score: 600-639

Rate History
No change since Sep 14, 2026 · 12.60% APR · checked 9 times
12.10%12.60%13.10%Sep 14, 2026: 12.60% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
12.75%
48-Month
View
▼
APR12.75%
Interest Rate12.75%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 12.75% APR
12.25%12.75%13.25%Oct 10, 2026: 12.75% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
13.25%
60-Month
View
▼
APR13.25%
Interest Rate13.25%
Term60-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 13.25% APR
12.75%13.25%13.75%Oct 10, 2026: 13.25% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
13.75%
72-Month
View
▼
APR13.75%
Interest Rate13.75%
Term72-Month
Last UpdatedOct 10, 2026
Details

Level: D

Rate History
No change since Oct 10, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 10, 2026: 13.75% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
13.75%
24-Month
View
▼
APR13.75%
Interest Rate13.75%
Term24-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Oct 10, 2026 · 13.75% APR
13.25%13.75%14.25%Oct 10, 2026: 13.75% APROct 10, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
14.00%
36-Month
View
▼
APR14.00%
Interest Rate14.00%
Term36-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Oct 10, 2026 · 14.00% APR
13.50%14.00%14.50%Oct 10, 2026: 14.00% APROct 10, 2026Oct 13, 2026
Elko Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Used Auto - 2016 to 2022
14.15%
24 months
View
▼
APR14.15%
Term24 months
Last UpdatedOct 13, 2026
Details

Credit Score: 580-599

Rate History
No change since Sep 14, 2026 · 14.15% APR · checked 9 times
13.65%14.15%14.65%Sep 14, 2026: 14.15% APRSep 14, 2026Oct 13, 2026
Financial Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Vehicle Loan - 2023 & Older
14.25%
48-Month
View
▼
APR14.25%
Interest Rate14.25%
Term48-Month
Last UpdatedOct 10, 2026
Details

Level: E

Rate History
No change since Oct 10, 2026 · 14.25% APR
13.75%14.25%14.75%Oct 10, 2026: 14.25% APROct 10, 2026Oct 13, 2026

Ruth, NV Auto Loan Rate Trends

Compare local Ruth, NV 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.

View Full Nevada Auto Trends
New Auto Loan NV Avg
5.518%
▲ 0.254 vs 7 days ago

Nevada new auto rates rose 0.254 points over the past 7 days to 5.518% APR.

Used Auto Loan NV Avg
6.089%
▲ 0.079 vs 7 days ago

Nevada used auto rates rose 0.079 points over the past 7 days to 6.089% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Ruth, NV 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 Nevada figures.

Current New Auto Avg
5.52%
APR, as of Oct 13, 2026
6-Month Forecast
5.60%
Fed hold assumed
12-Month Forecast
5.67%
Range: 5.32% to 5.87%
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.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Nevada 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 @ 5.52% APR
NV average		 Used Auto @ 6.09% APR
NV average		 Monthly Difference
$15,000 $286.64/mo $290.61/mo $3.97/mo
$25,000 $477.74/mo $484.35/mo $6.62/mo
$35,000 $668.83/mo $678.09/mo $9.26/mo
$45,000 $859.93/mo $871.83/mo $11.91/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.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Ruth, Nevada

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Ruth, Nevada locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Nevada. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Nevada Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$43,016
Median Individual Earnings
National avg: $47,340
6.9%
Unemployment Rate
National avg: 4.8%
12.4%
Poverty Rate
National avg: 11.1%
$573/mo
Payment on a $30K / 60-mo Loan
At NV new-auto avg 5.52% APR

A $573 monthly car payment works out to roughly 16.0% of the median individual income in Nevada. 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 Ruth, Nevada, 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 Ruth, Nevada. We’ve prefilled the APR with today’s NV new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

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 Ruth, Nevada 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 Ruth, Nevada 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 Ruth, Nevada. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NV.

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 Ruth, Nevada

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.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%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.

See Bad Credit Car Loans
Powered byMonitorBankRates

Frequently Asked Questions about Auto Loans in Ruth, Nevada

How does my credit score affect my car loan rate in Nevada?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Ruth, Nevada 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 Nevada *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 Ruth, Nevada typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

Should I get preapproved for an auto loan before visiting a dealer in Ruth, Nevada?

Yes. A preapproval from a bank or credit union serving Ruth, Nevada gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Ruth, Nevada can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Ruth, Nevada?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Ruth, Nevada?

Based on our current data, some of the lowest auto loan rates available in Ruth, Nevada include:
  • United Federal Credit Union: 2.99% (Fixed Rate New & Used Auto Loans)
  • Churchill County Federal Credit Union: 3.75% (Vehicle Loans)
  • Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
  • Arrowhead Central Credit Union: 3.99% (New & Used Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ruth, Nevada. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

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