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

Content reviewed by
Brian McKay Brian McKay
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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 Bruce, 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 Bruce, South Dakota include Service First Federal Credit UnionService First Federal Credit UnionA+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 UnionA+5.0 ★Texas Ratio: 3.53% offering New Autos-Never Titled at 4.70%, Interfaith Federal Credit UnionInterfaith Federal Credit UnionA+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.

Bruce borrowers have access to 3 lenders serving the South Dakota area, with auto loan rates as low as 4.70% APR from Service First Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

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

Compare Auto Loan Rates Today in Bruce, South Dakota & Surrounding Area

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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
16.30%
72 Months
View
▼
APR16.30%
Term72 Months
Last UpdatedApr 17, 2026
Details

Bruce, SD Auto Loan Rate Trends

Compare local Bruce, SD 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 Bruce, 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 Bruce, 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 Bruce, 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 Bruce, South Dakota?

Based on our current data, some of the lowest auto loan rates available in Bruce, 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 Bruce, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 25, 2026

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