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Auto Loan Rates in South Dakota (SD) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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 South Dakota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 25, 2026

Current auto loan rates in South Dakota include Service First Federal Credit UnionService First Federal Credit Union3901 E 10th St, Sioux Falls, SD, 57103 2133A+5.0 ★Texas Ratio: 0.00% offering New Vehicles (2023 & Newer) 6-48 months at 4.70%, Northern Hills Federal Credit UnionNorthern Hills Federal Credit Union1080 MAIN ST, STURGIS, SD, 57785A+5.0 ★Texas Ratio: 3.53% offering New Autos-Never Titled at 4.70%, Interfaith Federal Credit UnionInterfaith Federal Credit Union815 Columbus St, Rapid City, SD, 57701A+5.0 ★Texas Ratio: 1.60% offering New Autos, SUVs, Trucks, Vans at 5.49%. Auto loan rates as of April 25, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across South Dakota side-by-side. South Dakota auto loan rates currently start as low as 4.70% APR from Service First Federal Credit Union at 3901 E 10th St, Sioux Falls, SD, 57103 2133. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in South Dakota. Auto Loan Rates Last Updated and Verified: April 25, 2026

Compare Auto Loan Rates Today in South Dakota

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.70%
48 Months
View
▼
APR4.70%
Term48 Months
Last UpdatedApr 17, 2026
Details

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
New Autos-Never Titled
4.70%
60 M
View
▼
APR4.70%
Term60 M
Last UpdatedApr 25, 2026
Details

Low rates with flexible terms!

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Used Autos-Previously Titled
4.70%
60 M
View
▼
APR4.70%
Term60 M
Last UpdatedApr 25, 2026
Details

Low rates with flexible terms!

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
4.79%
60 Months
View
▼
APR4.79%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.92%
48 Months
View
▼
APR4.92%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.10%
72 Months
View
▼
APR5.10%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
5.16%
60 Months
View
▼
APR5.16%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.30%
84 Months
View
▼
APR5.30%
Term84 Months
Last UpdatedApr 17, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 25, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.60%
72 Months
View
▼
APR5.60%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.80%
84 Months
View
▼
APR5.80%
Term84 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.10%
48 Months
View
▼
APR6.10%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.19%
60 Months
View
▼
APR6.19%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
6.24%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.32%
48 Months
View
▼
APR6.32%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.56%
60 Months
View
▼
APR6.56%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
6.80%
72 Months
View
▼
APR6.80%
Term72 Months
Last UpdatedApr 17, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 25, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
7.00%
72 Months
View
▼
APR7.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
7.64%
48 Months
View
▼
APR7.64%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
7.84%
60 Months
View
▼
APR7.84%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
8.20%
72 Months
View
▼
APR8.20%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
9.65%
48 Months
View
▼
APR9.65%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
10.40%
60 Months
View
▼
APR10.40%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
10.80%
72 Months
View
▼
APR10.80%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
11.05%
48 Months
View
▼
APR11.05%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
11.15%
84 Months
View
▼
APR11.15%
Term84 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
11.80%
60 Months
View
▼
APR11.80%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
12.20%
72 Months
View
▼
APR12.20%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
13.15%
48 Months
View
▼
APR13.15%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
14.40%
60 Months
View
▼
APR14.40%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
14.55%
48 Months
View
▼
APR14.55%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
14.90%
72 Months
View
▼
APR14.90%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
15.40%
84 Months
View
▼
APR15.40%
Term84 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
15.80%
60 Months
View
▼
APR15.80%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
16.30%
72 Months
View
▼
APR16.30%
Term72 Months
Last UpdatedApr 17, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.70%
48 Months
View
▼
APR4.70%
Term48 Months
Last UpdatedApr 17, 2026
Details

Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
New Autos-Never Titled
4.70%
60 M
View
▼
APR4.70%
Term60 M
Last UpdatedApr 25, 2026
Details

Low rates with flexible terms!

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
4.79%
60 Months
View
▼
APR4.79%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.92%
48 Months
View
▼
APR4.92%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.10%
72 Months
View
▼
APR5.10%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
5.16%
60 Months
View
▼
APR5.16%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.30%
84 Months
View
▼
APR5.30%
Term84 Months
Last UpdatedApr 17, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 25, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.60%
72 Months
View
▼
APR5.60%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.80%
84 Months
View
▼
APR5.80%
Term84 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
6.24%
48 Months
View
▼
APR6.24%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
6.80%
72 Months
View
▼
APR6.80%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
9.65%
48 Months
View
▼
APR9.65%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
10.40%
60 Months
View
▼
APR10.40%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
10.80%
72 Months
View
▼
APR10.80%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
11.15%
84 Months
View
▼
APR11.15%
Term84 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
13.15%
48 Months
View
▼
APR13.15%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
14.40%
60 Months
View
▼
APR14.40%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
14.90%
72 Months
View
▼
APR14.90%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
15.40%
84 Months
View
▼
APR15.40%
Term84 Months
Last UpdatedApr 17, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Northern Hills Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
1080 MAIN ST, STURGIS, SD, 57785
Used Autos-Previously Titled
4.70%
60 M
View
▼
APR4.70%
Term60 M
Last UpdatedApr 25, 2026
Details

Low rates with flexible terms!

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.10%
48 Months
View
▼
APR6.10%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.19%
60 Months
View
▼
APR6.19%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.32%
48 Months
View
▼
APR6.32%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.56%
60 Months
View
▼
APR6.56%
Term60 Months
Last UpdatedApr 17, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 25, 2026
Details

As Low As

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
7.00%
72 Months
View
▼
APR7.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
7.64%
48 Months
View
▼
APR7.64%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
7.84%
60 Months
View
▼
APR7.84%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
8.20%
72 Months
View
▼
APR8.20%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
11.05%
48 Months
View
▼
APR11.05%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
11.80%
60 Months
View
▼
APR11.80%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
12.20%
72 Months
View
▼
APR12.20%
Term72 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
14.55%
48 Months
View
▼
APR14.55%
Term48 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
15.80%
60 Months
View
▼
APR15.80%
Term60 Months
Last UpdatedApr 17, 2026
Details

Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
16.30%
72 Months
View
▼
APR16.30%
Term72 Months
Last UpdatedApr 17, 2026
Details

South Dakota Auto Loan Rate Trends

Compare local South 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 South Dakota Auto Trends →
New Auto Loan — SD Avg
5.632%
▼ 2.281 vs 7 days ago

South Dakota new auto rates fell 2.281 points over the past 7 days to 5.632% APR.

Used Auto Loan — SD Avg
9.031%
Unchanged vs 7 days ago

South Dakota used auto loan rates currently average 9.031% APR.

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

Frequently Asked Questions about Auto Loans in South Dakota

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

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

Based on our current data, some of the lowest auto loan rates available in South Dakota include:
  • Service First Federal Credit Union: 4.70% (New Vehicles (2023 & Newer) 6-48 months)
  • Northern Hills Federal Credit Union: 4.70% (New Autos-Never Titled)
  • Interfaith Federal Credit Union: 5.49% (New Autos, SUVs, Trucks, Vans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 25, 2026

South Dakota Rates & Resources

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Auto Loan Rates by City in South Dakota

  • Aberdeen
  • Agar
  • Akaska
  • Alcester
  • Alexandria
  • Allen
  • Alpena
  • Amherst
  • Andover
  • Arlington
  • Armour
  • Artesian
  • Ashton
  • Astoria
  • Aurora
  • Avon
  • Badger
  • Baltic
  • Barnard
  • Batesland
  • Bath
  • Belle Fourche
  • Belvidere
  • Benton
  • Beresford
  • Bethlehem
  • Big Sioux
  • Big Stone City
  • Bison
  • Black Hawk
  • Blunt
  • Bonesteel
  • Bowdle
  • Box Elder
  • Bradley
  • Brandon
  • Brandt
  • Brantford
  • Brentford
  • Bridgewater
  • Bristol
  • Britton
  • Brookings
  • Bruce
  • Bryant
  • Buffalo
  • Buffalo Gap
  • Buffalo Ridge
  • Bullhead
  • Burbank
  • Burke
  • Cambria
  • Camp Crook
  • Canistota
  • Canova
  • Canton
  • Caputa
  • Carlisle
  • Carpenter
  • Carter
  • Carthage
  • Castlewood
  • Cavour
  • Centerville
  • Chamberlain
  • Chancellor
  • Cherry Creek
  • Chester
  • Claire City
  • Claremont
  • Clark
  • Clear Lake
  • Cleveland
  • Colman
  • Colome
  • Colton
  • Columbia
  • Conde
  • Corona
  • Corsica
  • Creighton
  • Cresbard
  • Crooks
  • Custer
  • Dallas
  • Dante
  • Davis
  • De Smet
  • Deadwood
  • Dell Rapids
  • Delmont
  • Dimock
  • Doland
  • Draper
  • Dupree
  • Eagle Butte
  • Eden
  • Edgemont
  • Egan
  • Elk Point
  • Elkton
  • Elm Springs
  • Emery
  • Enning
  • Erwin
  • Estelline
  • Ethan
  • Eureka
  • Fairburn
  • Fairfax
  • Fairview
  • Faith
  • Faulkton
  • Fedora
  • Ferney
  • Firesteel
  • Flandreau
  • Florence
  • Fort Meade
  • Fort Pierre
  • Fort Thompson
  • Frankfort
  • Frederick
  • Freeman
  • Fruitdale
  • Fulton
  • Gann Valley
  • Garden City
  • Garretson
  • Gary
  • Gayville
  • Geddes
  • Gettysburg
  • Glad Valley
  • Glencross
  • Glenham
  • Goodwin
  • Gregory
  • Grenville
  • Groton
  • Hamill
  • Harrisburg
  • Harrison
  • Harrold
  • Hartford
  • Hayes
  • Hayti
  • Hazel
  • Hecla
  • Henry
  • Hermosa
  • Herreid
  • Herrick
  • Hetland
  • Highmore
  • Hill City
  • Hitchcock
  • Holabird
  • Hosmer
  • Hot Springs
  • Houghton
  • Hoven
  • Howard
  • Howes
  • Hudson
  • Humboldt
  • Hurley
  • Huron
  • Ideal
  • Interior
  • Iona
  • Ipswich
  • Irene
  • Iroquois
  • Isabel
  • Java
  • Jefferson
  • Kadoka
  • Kaylor
  • Keldron
  • Kennebec
  • Keystone
  • Kimball
  • Kranzburg
  • Kyle
  • Labolt
  • Lake Andes
  • Lake City
  • Lake Norden
  • Lake Preston
  • Lane
  • Langford
  • Lantry
  • Lead
  • Lebanon
  • Lennox
  • Leola
  • Lesterville
  • Letcher
  • Little Eagle
  • Lodgepole
  • Long Valley
  • Longlake
  • Lower Brule
  • Ludlow
  • Lyons
  • Madison
  • Mahto
  • Manderson
  • Mansfield
  • Marion
  • Martin
  • Marty
  • Marvin
  • McIntosh
  • McLaughlin
  • Meadow
  • Meckling
  • Mellette
  • Menno
  • Midland
  • Milbank
  • Milesville
  • Miller
  • Mina
  • Mission
  • Mission Hill
  • Mission Ridge
  • Mitchell
  • Mobridge
  • Monroe
  • Montrose
  • Morristown
  • Mound City
  • Mount Vernon
  • Mud Butte
  • Murdo
  • Nemo
  • New Effington
  • New Holland
  • New Underwood
  • Newell
  • Nisland
  • Norris
  • North Sioux City
  • Northville
  • Nunda
  • Oacoma
  • Oelrichs
  • Oglala
  • Okaton
  • Okreek
  • Oldham
  • Olivet
  • Onaka
  • Onida
  • Opal
  • Oral
  • Orient
  • Ortley
  • Owanka
  • Parade
  • Parker
  • Parkston
  • Parmelee
  • Peever
  • Perry
  • Philip
  • Pickstown
  • Piedmont
  • Pierpont
  • Pierre
  • Pine Ridge
  • Plankinton
  • Platte
  • Pollock
  • Porcupine
  • Prairie City
  • Presho
  • Pringle
  • Provo
  • Pukwana
  • Quinn
  • Ralph
  • Ramona
  • Rapid City
  • Ravinia
  • Raymond
  • Red Owl
  • Redfield
  • Redig
  • Ree Heights
  • Reliance
  • Renner
  • Reva
  • Revillo
  • Ridgeview
  • Rochford
  • Rockham
  • Roscoe
  • Rosebud
  • Rosholt
  • Roslyn
  • Rowena
  • Rutland
  • Saint Charles
  • Saint Francis
  • Saint Lawrence
  • Saint Onge
  • Salem
  • Scenic
  • Scotland
  • Selby
  • Seneca
  • Shadehill
  • Sinai
  • Sioux Falls
  • Sisseton
  • Smithwick
  • South Shore
  • Spearfish
  • Spencer
  • Springfield
  • Stephan
  • Stickney
  • Stockholm
  • Strandburg
  • Stratford
  • Sturgis
  • Summit
  • Tabor
  • Tea
  • Timber Lake
  • Tolstoy
  • Toronto
  • Trail City
  • Trent
  • Tripp
  • Tulare
  • Turton
  • Tuthill
  • Twin Brooks
  • Tyndall
  • Union Center
  • Utica
  • Vale
  • Valley Springs
  • Veblen
  • Vermillion
  • Viborg
  • Vienna
  • Virgil
  • Vivian
  • Volga
  • Volin
  • Wagner
  • Wakonda
  • Wakpala
  • Walker
  • Wall
  • Wallace
  • Wanblee
  • Ward
  • Warner
  • Wasta
  • Watauga
  • Watertown
  • Waubay
  • Waverly
  • Webster
  • Wentworth
  • Wessington
  • Wessington Springs
  • Westport
  • Wewela
  • White
  • White Lake
  • White Owl
  • White River
  • Whitehorse
  • Whitewood
  • Willow Lake
  • Wilmot
  • Winfred
  • Winner
  • Witten
  • Wolsey
  • Wood
  • Woonsocket
  • Worthing
  • Wounded Knee
  • Yale
  • Yankton
  • York