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Auto Loan Rates in North Dakota (ND) for May 2026

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 5, 2026

Current North Dakota auto loan rates are highly competitive. Check the table below for the latest APR offers.

Use the tabs below to compare auto loan rates across North Dakota side-by-side. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in North Dakota. Auto Loan Rates Last Updated and Verified: May 5, 2026

Compare Auto Loan Rates Today in North Dakota

No all auto loans loans found in North Dakota at this time.

No new auto loans found in North Dakota at this time.

No used auto loans found in North Dakota at this time.

North Dakota Auto Loan Rate Trends

Compare local North Dakota 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 North Dakota Auto Trends →

New Auto Loan — ND Avg

5.258%

Unchanged vs 7 days ago

North Dakota new auto loan rates currently average 5.258% APR.

Used Auto Loan — ND Avg

5.842%

Unchanged vs 7 days ago

North Dakota used auto loan rates currently average 5.842% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in North Dakota

How does my credit score affect my car loan rate in North Dakota?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in North Dakota 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 North Dakota *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 North Dakota 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.

What are the best Auto Loan rates in North Dakota?

Based on our current data, some of the lowest auto loan rates available in North Dakota include:

Check the rate table above for current rates.

Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 5, 2026