North Carolina Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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North Carolina auto loan rates range from 2.99% to 5.75% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in North Carolina include United Federal Credit UnionUnited Federal Credit Union209 Turnersburg Hwy, Statesville, NC, 28625 2797A+5.0 ★Texas Ratio: 4.11% offering Fixed Rate New & Used Auto Loans at 2.99%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 Gregson Dr, Cary, NC, 27511A+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, CS Credit UnionCS Credit Union6519 Comm Scope Rd, Catawba, NC, 28609A+5.0 ★Texas Ratio: 1.25% offering New & Used Vehicles Loan at 3.50%, State Employees Credit UnionState Employees Credit Union1125 ACADEMY ST N, AHOSKIE, NC, 27910A-5.0 ★Texas Ratio: 14.13% offering New auto loans at 3.75%, Emergency Responders Credit UnionEmergency Responders Credit Union1777 Link Rd, Winston Salem, NC, 27103 4625A5.0 ★Texas Ratio: 7.07% offering New Autos at 3.75%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across North Carolina side-by-side. North Carolina auto loan rates currently start as low as 2.99% APR from United Federal Credit Union at 209 Turnersburg Hwy, Statesville, NC, 28625 2797. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in North Carolina. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in North Carolina
North Carolina Auto Loan Rates
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Auto & Recreational Loans
As low as
Published APR range: 3.75% - 7.00%.
As Low as; Model Year: 2025 - 2026
- Oct 9, 20263.75%▼ from 5.00%
- Sep 14, 20265.00%first recorded
As low as 3.75% with Relationship Rewards
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Auto & Recreational Loans
As Low As
As Low As; Rates subject to change.
Drive off in your dream car with flexible terms and competitive auto loan rates. 43 APR = Annual Percentage Rate. 3.99 % APR is only available for well qualified applicants on vehicles with year model 2025 - 2027 . Oldest vehicle Coastal will finance is a 2011 (max term 66 months) model. Your rate may vary and is determined by your credit qualifications, amount financed, vehicle value, year model, vehicle mileage, loan terms and other collateral requirements. Other rates and terms available. All rates and terms are subject to change without notice. Interest accrues daily. 44 For a $25,000 loan amount, a term of 48 months with a 3.99 % APR fixed, the estimated monthly payment will be $565.30 . For a $25,000 loan amount, a term of 60 months with a 4.49 % APR fixed, the estimated monthly payment will be $466.84 . For a $25,000 loan amount, a term of 84 months with a 5.49 APR fixed, the estimated monthly payment will be $359.97 . Rates subject to change.
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
Published APR range: 4.00% - 7.25%.
As low as
As low as
As Low As; Auto & Recreational Loans
Published APR range: 4.25% - 7.50%.
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
As Low As; New auto loan; Fixed interest rate
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Rates listed are as low as. Actual rate based on individual credit and terms of loan. Finance amount based on individual credit. Shorter terms available with lower minimum finance amount. To qualify for new car loan rates, vehicle must have less than 5k miles and less than 90 days in service.
Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
- Oct 9, 20264.49%▼ from 6.79%
- Sep 14, 20266.79%first recorded
Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Published APR range: 4.49% to 15.99%.
Drive off in your dream car with flexible terms and competitive auto loan rates. 43 APR = Annual Percentage Rate. 3.99 % APR is only available for well qualified applicants on vehicles with year model 2025 - 2027 . Oldest vehicle Coastal will finance is a 2011 (max term 66 months) model. Your rate may vary and is determined by your credit qualifications, amount financed, vehicle value, year model, vehicle mileage, loan terms and other collateral requirements. Other rates and terms available. All rates and terms are subject to change without notice. Interest accrues daily. 44 For a $25,000 loan amount, a term of 48 months with a 3.99 % APR fixed, the estimated monthly payment will be $565.30 . For a $25,000 loan amount, a term of 60 months with a 4.49 % APR fixed, the estimated monthly payment will be $466.84 . For a $25,000 loan amount, a term of 84 months with a 5.49 APR fixed, the estimated monthly payment will be $359.97 . Rates subject to change.
APR (As low as); Estimated payment per $1000: $22.80
Vehicle retail value must be $5,000 or greater
Additional APR listed for this product: 5.49%, 6.49%, 7.00%. As Low As; Model Year: 0 - 1 year
Finance up to 80% of MSRP according to Black Book
Published APR range: 4.50% - 7.75%.
Published APR range: 4.50% - 8.50%.
As Low as; Model Year: 2016 - 2025
- Oct 9, 20264.50%▼ from 5.50%
- Sep 14, 20265.50%first recorded
As low as
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
As Low As; New Vehicles; Premium risk-based rate; rate may vary by credit score, amount financed, collateral, and loan terms
As Low As; Risk-based premium rate; subject to credit score, amount financed, collateral and loan terms
As Low As
As Low As; Rates subject to change.
As Low As; Auto & Recreational Loans
As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
Vehicle retail value must be $5,000 or greater
Term: 36 months - 84 months; APR range: 4.75% APR to 6.25% APR
Published APR range: 4.75% - 8.75%.
Published APR range: 4.75% to 8.00%. Current or Prior Year - less than 10,000 miles
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
As Low As; New auto loan; Fixed interest rate
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
As low as
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As; Model Years: New, 2025 (untitled) -2026
Rates as Low as
Published APR range: 4.99%-13.94%. Year: 2025 - 2027; Min. Loan Amount: $500
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a new auto loan with the term & APR listed above calculating the payment per $1,000.
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
As Low As; APR varies according to credit history of applicant(s)
APR (As low as); Estimated payment per $1000: $17.36
Vehicle retail value must be $5,000 or greater
Vehicle retail value must be $5,000 or greater
As Low As; Rates effective as of 10/01/2026; Rate may include Auto Pay, Active Checking, and/or Fully Protected discounts
Published APR range: 4.99% - 17.50%.
Published APR range: 5.00% - 15.50%.
Published APR range: 5.00% - 9.00%.
- Sep 22, 20265.00%▼ from 5.50%
- Sep 14, 20265.50%first recorded
Published APR range: 5.00% - 9.50%.
- Sep 22, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As low as
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
- Sep 17, 20265.00%▼ from 6.50%
- Sep 14, 20266.50%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
- Sep 17, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
As Low As; New auto loan; Fixed interest rate
As Low As; Used Vehicles; premium risk-based rate, effective November 1, 2025
As Low As; Premium risk-based rate; Used Cars, Trucks, SUVs, and Classics
Published rate range: 5.00% - 11.25%. Vehicle Rates - Fixed Rate; Model: New and Current
1New vehicle rates. Used vehicle rates are 1.00% higher.
- Oct 1, 20265.05%▲ from 4.83%
- Sep 18, 20264.83%first recorded
As Low As; APR varies according to credit history of applicant(s)
Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Rates shown are for model years 2022-2023 and include the All-In Member Pricing interest rate discount of up to 0.50% APR. Rates for 2021 and older models may be higher. All-In Member Pricing Requirements : 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Rates for model years 2021 and older may be higher. Members must maintain an open consumer checking account within the same membership. A minimum of $1, 500 in direct deposit(s) and/or mobile deposit within the last 31 days into any share account within the same membership, excluding Money Market accounts, Health Savings Accounts and Share Certificates. Transaction count is NOT a combination of debit and credit card transactions. Debit card transactions must be posted to the account within the calendar month for it to be considered a qualifying transaction. Credit card transactions must be posted between the 27th day of the previous month and the 26th day of the current month to be considered a qualifying transaction. Excludes ATM and cash transactions. Payments listed are only examples. Payment examples are based off a used auto loan with the term & APR listed above calculating the payment per $1,000. Rates displayed are for model years 2022-2023.
As Low As; Model Years: New, 2025 (untitled) -2026
As Low As; Model Years: Pre-Owned (2020+)
Rates as Low as
Published APR range: 5.19%-14.09%. Year: 2025 - 2027; Min. Loan Amount: $500
As low as
As Low As; Non-Payroll Deduction APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Used Car Loan; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As
As Low As; APR* (As low as); Estimated payment per $1000: $17.48; APR = Annual percentage rate. Rates may vary.
Vehicle retail value must be $5,000 or greater
Vehicle retail value must be $5,000 or greater
As Low As; Effective Date: 08/03/2026
Published APR range: 5.25% - 16.00%.
Published APR range: 5.25% - 8.50%.
Published APR range: 5.25% - 9.25%.
- Sep 22, 20265.25%▼ from 5.75%
- Sep 14, 20265.75%first recorded
Published APR range: 5.25% - 9.75%.
- Sep 22, 20265.25%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Published APR range: 5.25% to 8.50%. Current or Prior Year - less than 10,000 miles
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2020 or Newer**
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
Term: 61 Months - 84 Months; As Low As; New Vehicles; Premium risk-based rate; rate may vary by credit score, amount financed, collateral, and loan terms
Term: 61 Months - 84 Months; As Low As; Risk-based premium rate; subject to credit score, amount financed, collateral and loan terms
Published rate range: 5.25% - 12.50%. Vehicle Rates - Fixed Rate; Model: New and Current
1New vehicle rates. Used vehicle rates are 1.00% higher.
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
Published APR range: 5.29%-14.09%. Year: 2023 - 2024; Min. Loan Amount: $500
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; Model Years: New, 2025 (untitled) -2026
As Low As; Model Years: Pre-Owned (2020+)
As Low As; APR varies according to credit history of applicant(s)
As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
As Low As
As Low As; Rates subject to change.
Published APR range: 5.44%-14.19%. Year: 2023 - 2024; Min. Loan Amount: $500
Published APR range: 5.44%-14.94%. Year: 2020 - 2022; Min. Loan Amount: $500
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
1New vehicle rates. Used vehicle rates are 1.00% higher.
- Oct 1, 20265.49%▲ from 5.17%
- Sep 14, 20265.17%first recorded
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
Drive off in your dream car with flexible terms and competitive auto loan rates. 43 APR = Annual Percentage Rate. 3.99 % APR is only available for well qualified applicants on vehicles with year model 2025 - 2027 . Oldest vehicle Coastal will finance is a 2011 (max term 66 months) model. Your rate may vary and is determined by your credit qualifications, amount financed, vehicle value, year model, vehicle mileage, loan terms and other collateral requirements. Other rates and terms available. All rates and terms are subject to change without notice. Interest accrues daily. 44 For a $25,000 loan amount, a term of 48 months with a 3.99 % APR fixed, the estimated monthly payment will be $565.30 . For a $25,000 loan amount, a term of 60 months with a 4.49 % APR fixed, the estimated monthly payment will be $466.84 . For a $25,000 loan amount, a term of 84 months with a 5.49 APR fixed, the estimated monthly payment will be $359.97 . Rates subject to change.
As Low As; Model Years: New, 2025 (untitled) -2026
As Low As; APR varies according to credit history of applicant(s); **72+ months over $20,000
APR (As low as); Estimated payment per $1000: $15.79
Vehicle retail value must be $5,000 or greater
Additional APR listed for this product: 6.00%, 7.00%, 7.49%. As Low As; Model Year: 2 - 10 years
Published APR range: 5.50% - 10.00%.
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
Credit Grade: A+ = 750+; Minimum loan $20,000; *APR = Annual Percentage Rate
- Sep 17, 20265.50%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
- Sep 17, 20265.50%▼ from 6.50%
- Sep 14, 20266.50%first recorded
Model Year: 2020-2022; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; Vehicles must be 5 model years or newer (including the current year); mileage must not exceed 100,000 miles
As Low As; Effective Date: 08/03/2026
As Low As; Used auto loan rate; vehicles less than 10 years old with 150,000 miles or less
Published rate range: 5.50% - 13.99%. Vehicle Rates - Fixed Rate; Model: New and Current; Over 72 requires mgt approval
Published rate range: 5.50% - 11.75%. Vehicle Rates - Fixed Rate; Model: Used
Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer
- Oct 7, 20265.54%▲ from 5.14%
- Sep 15, 20265.14%first recorded
As Low As; Model Years: Pre-Owned (2020+)
Published APR range: 5.64%-9.29%. Year: 2025 - 2027; Min. Loan Amount: $10,000
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Rates as Low as
As Low As; Model Years: Pre-Owned (2020+)
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Non-Payroll Deduction APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Used Car Loan; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
As Low As
Additional APR listed for this product: 7.99%. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%.
Published APR range: 5.74% - 17.00%.
- Oct 6, 20265.74%▲ from 5.24%
- Sep 18, 20265.24%first recorded
Rates listed are for Autos two years old or newer. Other rates and terms available for autos up to 4 years old. Term is based on vehicle age, value & amount financed. The Annual Percentage Rate (APR) you receive will be based upon credit scoring criteria, loan to value ratio, mileage and collateral. Subject to credit approval. Rates, terms, & conditions subject to change at any time. Min. loan amount is $500. The rate listed indicates automatic payment made electronically. Add 1% to rate listed when using cash, check or coupons (non-electronic or automated payment method). Payments listed are only examples. Payment examples are based off a Payment Saver auto loan with the term & APR listed above calculating the payment per $1,000.
Vehicle retail value must be $5,000 or greater
Vehicle retail value must be $5,000 or greater
As Low As; Rates effective as of 10/01/2026; Rate may include Auto Pay, Active Checking, and/or Fully Protected discounts
As Low As; Rates and terms quoted represent the range of rates and terms available. Not all applicants will qualify for the lowest rate or longest term. Rates and terms are based on the type of loan, collateral, amount of loan, and creditworthiness. Minimum loan amount $5,000.
- Oct 9, 20265.75%▲ from 5.50%
- Sep 18, 20265.50%first recorded
Published APR range: 5.75% - 10.25%.
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Model Year: 2023-2026; Credit Grade: A = 680-749; Minimum $20,000
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
North Carolina New Auto Auto Loan Rates
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Auto & Recreational Loans
As low as
Published APR range: 3.75% - 7.00%.
As Low as; Model Year: 2025 - 2026
- Oct 9, 20263.75%▼ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
Published APR range: 4.00% - 7.25%.
As low as
As low as
As Low As; Auto & Recreational Loans
Published APR range: 4.25% - 7.50%.
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
As Low As; New auto loan; Fixed interest rate
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Rates listed are as low as. Actual rate based on individual credit and terms of loan. Finance amount based on individual credit. Shorter terms available with lower minimum finance amount. To qualify for new car loan rates, vehicle must have less than 5k miles and less than 90 days in service.
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
APR (As low as); Estimated payment per $1000: $22.80
Vehicle retail value must be $5,000 or greater
Additional APR listed for this product: 5.49%, 6.49%, 7.00%. As Low As; Model Year: 0 - 1 year
Finance up to 80% of MSRP according to Black Book
Published APR range: 4.50% - 7.75%.
As low as
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
As Low As; New Vehicles; Premium risk-based rate; rate may vary by credit score, amount financed, collateral, and loan terms
As Low As; Risk-based premium rate; subject to credit score, amount financed, collateral and loan terms
As Low As
As Low As; Rates subject to change.
As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
Vehicle retail value must be $5,000 or greater
Term: 36 months - 84 months; APR range: 4.75% APR to 6.25% APR
Published APR range: 4.75% to 8.00%. Current or Prior Year - less than 10,000 miles
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
As Low As; New auto loan; Fixed interest rate
As low as
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
APR (As low as); Estimated payment per $1000: $17.36
Vehicle retail value must be $5,000 or greater
Published APR range: 4.99% - 17.50%.
Published APR range: 5.00% - 15.50%.
As low as
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.00%▼ from 5.50%
- Oct 8, 20265.50%first recorded
Credit Grade: A+ = 750+; *APR = Annual Percentage Rate
- Sep 17, 20265.00%▼ from 6.50%
- Sep 14, 20266.50%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
- Sep 17, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Vehicle must be prior year, current year or upcoming year model with 15,000 miles or less, and never previously titled
As Low As; New auto loan; Fixed interest rate
Published rate range: 5.00% - 11.25%. Vehicle Rates - Fixed Rate; Model: New and Current
As Low As; Non-Payroll Deduction APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Vehicle retail value must be $5,000 or greater
As Low As; Effective Date: 08/03/2026
Published APR range: 5.25% - 8.50%.
Published APR range: 5.25% to 8.50%. Current or Prior Year - less than 10,000 miles
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2020 or Newer**
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 5; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▼ from 5.75%
- Oct 8, 20265.75%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
Term: 61 Months - 84 Months; As Low As; New Vehicles; Premium risk-based rate; rate may vary by credit score, amount financed, collateral, and loan terms
Term: 61 Months - 84 Months; As Low As; Risk-based premium rate; subject to credit score, amount financed, collateral and loan terms
Published rate range: 5.25% - 12.50%. Vehicle Rates - Fixed Rate; Model: New and Current
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; Payroll Deduction or Automatic Draft APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
APR (As low as); Estimated payment per $1000: $15.79
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 6; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.50%▼ from 6.00%
- Oct 8, 20266.00%first recorded
Credit Grade: A+ = 750+; Minimum loan $20,000; *APR = Annual Percentage Rate
- Sep 17, 20265.50%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Credit Grade: A = 680-749; *APR = Annual Percentage Rate
- Sep 17, 20265.50%▼ from 6.50%
- Sep 14, 20266.50%first recorded
Published rate range: 5.50% - 13.99%. Vehicle Rates - Fixed Rate; Model: New and Current; Over 72 requires mgt approval
Published APR range: 5.54% - 16.74%. Model Year: 2025 - Newer
- Oct 7, 20265.54%▲ from 5.14%
- Sep 15, 20265.14%first recorded
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Non-Payroll Deduction APR; New Vehicle; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
Published APR range: 5.74% - 17.00%.
- Oct 6, 20265.74%▲ from 5.24%
- Sep 18, 20265.24%first recorded
Vehicle retail value must be $5,000 or greater
As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 7; best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.75%▼ from 6.25%
- Oct 8, 20266.25%first recorded
North Carolina Used Auto Auto Loan Rates
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As low as
As Low As; Auto & Recreational Loans
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
As low as
Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.
Published APR range: 4.50% - 8.50%.
As Low as; Model Year: 2016 - 2025
- Oct 9, 20264.50%▼ from 5.50%
- Sep 14, 20265.50%first recorded
As low as
As Low As; Auto & Recreational Loans
As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
Term: 36 months - 84 months; APR range: 4.75% APR to 6.25% APR
Published APR range: 4.75% - 8.75%.
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
As Low As
As Low As; Rates subject to change.
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
Vehicle retail value must be $5,000 or greater
Published APR range: 4.99% - 17.50%.
Published APR range: 5.00% - 9.00%.
- Sep 22, 20265.00%▼ from 5.50%
- Sep 14, 20265.50%first recorded
Published APR range: 5.00% - 9.50%.
- Sep 22, 20265.00%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As low as
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; Used Vehicles; premium risk-based rate, effective November 1, 2025
As Low As; Premium risk-based rate; Used Cars, Trucks, SUVs, and Classics
As low as
As Low As; Used Car Loan; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
As Low As; APR* (As low as); Estimated payment per $1000: $17.48; APR = Annual percentage rate. Rates may vary.
Vehicle retail value must be $5,000 or greater
Published APR range: 5.25% - 16.00%.
Published APR range: 5.25% - 9.25%.
- Sep 22, 20265.25%▼ from 5.75%
- Sep 14, 20265.75%first recorded
Published APR range: 5.25% - 9.75%.
- Sep 22, 20265.25%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: 2020 or Newer**
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
As Low As
As Low As; Rates subject to change.
As Low As; Used Car Loan; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
As Low As
As Low As; Rates subject to change.
Vehicle retail value must be $5,000 or greater
Additional APR listed for this product: 6.00%, 7.00%, 7.49%. As Low As; Model Year: 2 - 10 years
Published APR range: 5.50% - 10.00%.
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.50%▲ from 5.00%
- Oct 8, 20265.00%first recorded
Model Year: 2020-2022; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; Vehicles must be 5 model years or newer (including the current year); mileage must not exceed 100,000 miles
As Low As; Effective Date: 08/03/2026
As Low As; Used auto loan rate; vehicles less than 10 years old with 150,000 miles or less
Published rate range: 5.50% - 11.75%. Vehicle Rates - Fixed Rate; Model: Used
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Used Car Loan; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan rates subject to creditworthiness
Additional APR listed for this product: 7.99%. Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Certain rate discounts and premiums may apply based on the specific factors of each application. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%.
Vehicle retail value must be $5,000 or greater
Published APR range: 5.75% - 10.25%.
As Low As; Used vehicle models up to 10 years old; financing up to 100% LTV
As Low As; APR as low as; best rates based on approved credit, maximum relationship discount of 1.00%
- Oct 12, 20265.75%▲ from 5.25%
- Oct 8, 20265.25%first recorded
Model Year: 2023-2026; Credit Grade: A = 680-749; Minimum $20,000
Model Year: 2023-2026; Credit Grade: A+ = 750+; Minimum $20,000
As Low As; Rate to be determined by Equifax Beacon Score on date of loan closing
North Carolina Auto Loan Rate Trends
Compare local North Carolina 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.
North Carolina new auto rates rose 0.044 points over the past 7 days to 5.115% APR.
North Carolina used auto rates rose 0.015 points over the past 7 days to 5.585% APR.
North Carolina 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 North Carolina figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average North Carolina 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 @ 5.11% APR NC average | Used Auto @ 5.58% APR NC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.86/mo | $287.11/mo | $3.25/mo |
| $25,000 | $473.10/mo | $478.51/mo | $5.41/mo |
| $35,000 | $662.33/mo | $669.91/mo | $7.58/mo |
| $45,000 | $851.57/mo | $861.32/mo | $9.74/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in North Carolina
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving North Carolina locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in North Carolina. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a North Carolina high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: North Carolina CD rates lock in a guaranteed return until you’re ready to buy
North Carolina Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $568 monthly car payment works out to roughly 15.8% of the median individual income in North Carolina. 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 North Carolina, 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 North Carolina. We’ve prefilled the APR with today’s NC new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Carolina 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 North Carolina 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 North Carolina. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NC.
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 North Carolina
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in North Carolina
How does my credit score affect my car loan rate in North Carolina?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in North Carolina?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in North Carolina?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in North Carolina?
- United Federal Credit Union: 2.99% (Fixed Rate New & Used Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- CS Credit Union: 3.50% (New & Used Vehicles Loan)
- State Employees Credit Union: 3.75% (New auto loans)
- Emergency Responders Credit Union: 3.75% (New Autos)
North Carolina Rates & Resources
Auto Loan Rates by City in North Carolina
