North Carolina Auto Loan Rate Trends
Track current and weekly average auto loan rates in North Carolina, view interactive rate trend charts, and compare local NC aprs against the national average.
Current North Carolina Auto Loan Rate Trends
Auto Loan rates in North Carolina rose 0.069 this week, pushing the New Auto Loan average to 5.142%, up from 5.073% last week.
At 5.142%, North Carolina’s average sits 0.842 below the current national average of 5.984%. NC borrowers may have a competitive advantage relative to the national market.
The North Carolina auto loan rate averages on this page are calculated from 330 verified auto loan rate quotes collected across 62 banks and credit unions actively operating in North Carolina. Our proprietary systems collect and verify rates daily, tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
North Carolina Auto Loan Rate Trends Chart
Daily average rates since April 13, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
North Carolina auto loan rate averages compiled from 330 current rate quotes across 62 banks and credit unions operating in NC, updated daily.
As of Oct 14, 2026 • Data provided by MonitorBankRates.com
Historical Auto Loan Rate Trends in North Carolina
Quarterly average rates at credit unions headquartered in North Carolina, 1994 to present. Different methodology from the daily chart above, this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in North Carolina (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994 to present.
Quarterly weighted averages calculated from credit union rate filings, weighted by loan portfolio balance.
