Herreid, South Dakota Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Herreid, South Dakota auto loan rates from lenders serving South Dakota range from 4.15% to 18.00% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in Herreid, South Dakota include Service First Federal Credit UnionService First Federal Credit UnionA+5.0 ★Texas Ratio: 5.03%Rate verified Oct 23, 2026 offering New Vehicle Auto Loan at 4.15%, Interfaith Federal Credit UnionInterfaith Federal Credit UnionA+5.0 ★Texas Ratio: 1.52%Rate verified Oct 23, 2026 offering New Autos, SUVs, Trucks, Vans at 4.50%, Northern Hills Federal Credit UnionNorthern Hills Federal Credit UnionA+5.0 ★Texas Ratio: 2.48%Rate verified Oct 23, 2026 offering New Autos-Never Titled at 4.70%, Sentinel Federal Credit UnionSentinel Federal Credit UnionA+5.0 ★Texas Ratio: 4.29%Rate verified Oct 23, 2026 offering Auto Loan - 2023 and Newer at 4.74%, Fort Randall Federal Credit UnionFort Randall Federal Credit UnionA+5.0 ★Texas Ratio: 3.71%Rate verified Oct 23, 2026 offering Auto Loan - 2021 New at 4.75%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.
Herreid borrowers have access to 13 lenders serving the South Dakota area, with auto loan rates as low as 4.15% APR from Service First Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Herreid, South Dakota. Auto Loan Rates Last Updated and Verified: October 23, 2026
Compare Auto Loan Rates Today in Herreid, South Dakota & Surrounding Area
Herreid Auto Loan Rates
Credit Score: 750+; Model Year: 2023 & Newer
Credit Score: 750+; Model Year: 2023 & Newer
Credit Score: 749-680; Model Year: 2023 & Newer
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
Credit Score: 750+; Model Year: 2023 & Newer
Credit Score: 749-680; Model Year: 2023 & Newer
As Low As; Low rates with flexible terms!
As Low As; Low rates with flexible terms!
As Low As; Credit Tier 760>; APR
Credit Score: 750+; Model Year: 2025 & Newer
Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
As Low As; Credit Tier 760>; APR
As Low As; Model Year: 2022 - 2020
As Low As; Model Year: 2023 & Newer
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Credit Tier 760>; APR
Risk-based APR range 4.99% - 10.25%; lowest rate for members with credit score 700+, active checking or direct deposit, and payment from a Siouxland FCU account; effective 10-01-2026
Credit Score: 749-680; Model Year: 2023 & Newer
As Low As; Model Year: 2022 - 2020
As Low As; Model Year: 2023 & Newer
As Low As; Credit Tier 760>; $10,000 minimum; APR
As Low As; Rates (APR) as low as*
Credit Score: 749-680; Model Year: 2025 & Newer
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
As Low As; Model Year: 2022 - 2020
As Low As; Model Year: 2023 & Newer
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
Auto loan; Model years 2026, 2025 & 2024; Limited-time auto loan special; *APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required for advertised rate; $5,000 minimum loan amount; 10% down pertains to used vehicles 3 years old or newer
APR range 5.49% - 17.99%; Note: $5,000 & under, maximum 48 months
As Low As; Credit Tier 760>; $20,000 minimum; APR
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Score: 750+
APR range 5.59% - 17.99%
As Low As; Rates (APR) as low as*
Credit Score: 750+
As Low As; Model Year: 2022 - 2020
As Low As; Model Year: 2023 & Newer
Credit Score: 679-650; Model Year: 2023 & Newer
APR range 5.69% - 17.99%; Note: $5,000 & under, maximum 48 months
As Low As; Credit Tier: 760>; Model Year: 2019-2022
Limited-time auto loan special; APR assumes excellent credit on new vehicle purchase; automatic payments from Security First Bank checking or savings required for advertised rate; $5,000 minimum loan amount; 20% down required for vehicles four years and older
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
Additional APR listed for this product: 5.99%, 6.24%. Auto loan; Model years 2026, 2025 & 2024; Limited-time auto loan special; *APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required for advertised rate; $5,000 minimum loan amount; 10% down pertains to used vehicles 3 years old or newer
As Low As; Credit Tier 760>; $25,000 minimum; APR
As Low As; Rates (APR) as low as*
As Low As; Rates (APR) as low as*
Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
As Low As; Credit Tier: 760>; Model Year: 2019-2022
Credit Score: 749-680
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
As Low As; Credit Tier: 760>; Model Year: 2019-2022
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
As Low As; Credit Tier: 760>; Model Year: 2019-2022; Minimum loan amount: $10,000
Credit Score: 679-650; Model Year: 2023 & Newer
As Low As; Credit Tier: 760>; Model Year: 2019-2022; Minimum loan amount: $20,000
As Low As; Model Year: 2019 - 2014
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Score: 750+; Model Year: 2021-2022 only
Term: 72 months (2021-2022 only); Credit Score: 750+
Additional APR listed for this product: 6.24%, 6.59%. Limited-time auto loan special; APR assumes excellent credit on new vehicle purchase; automatic payments from Security First Bank checking or savings required for advertised rate; $5,000 minimum loan amount; 20% down required for vehicles four years and older
APR range 5.99% - 17.99%
As Low As; Rates (APR) as low as*
Credit Score: 749-680
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
As Low As; Model Year: 2019 - 2014
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
As Low As; Rates (APR) as low as*; Minimum amount financed $25,000
Credit Score: 679-650; Model Year: 2023 & Newer
As Low As; Credit Tier: 760>; Model Year: 2019-2022; Minimum loan amount: $25,000
Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Score: 679-650; Model Year: 2025 & Newer
Term: 72 months (2021-2022 only); Credit Score: 749-680
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
APR range 6.59% - 17.99%; Note: Available for $35,000/over
As Low As; 80% Loan-To-Value (LTV)
Model Year: 2014 - 2020; Credit Tier: Platinum (750 - Above)
Model Year: 2014 - 2020; Credit Tier: Platinum (750 - Above)
Model Year: 2014 - 2020; Credit Tier: Platinum (750 - Above)
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail
APR range 6.99% - 17.99%; Note: Available for $35,000/over
As Low As; Rates (APR) as low as* column; table label not confirmed as RV/Boat, page heading is SD, MT, and WY Auto Loan Rates
As Low As; Rates (APR) as low as* column; table label not confirmed as RV/Boat, page heading is SD, MT, and WY Auto Loan Rates
Credit Score: 679-650
APR range 7.09% - 17.99%; Note: $5,000 & under, maximum 48 months
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail
Risk-based APR range 7.25% - 12.50%; lowest rate for members with credit score 700+, active checking or direct deposit, and payment from a Siouxland FCU account; effective 10-01-2026
As Low As; Rates (APR) as low as* column; table label not confirmed as RV/Boat, page heading is SD, MT, and WY Auto Loan Rates
Credit Score: 679-650
As Low As; Model Year: 2018 and Older; Credit Tier: 760>
Term: 72 months (2021-2022 only); Credit Score: 679-650
As Low As; Model Year: 2018 and Older; Credit Tier: 760>
Model Year: 2014 - 2020; Credit Tier: Premier (700-749)
Model Year: 2014 - 2020; Credit Tier: Premier (700-749)
Model Year: 2014 - 2020; Credit Tier: Premier (700-749)
Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
As Low As; Rates (APR) as low as* column; table label not confirmed as RV/Boat, page heading is SD, MT, and WY Auto Loan Rates
As Low As; Rates (APR) as low as* column; table label not confirmed as RV/Boat, page heading is SD, MT, and WY Auto Loan Rates
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
As Low As; Rates (APR) as low as* column; table label not confirmed as RV/Boat, page heading is SD, MT, and WY Auto Loan Rates
APR range 8.09% - 9.09%
Credit Grade: A+; Max Loan to Value: All categories= 50% of NADA and inspection required on all
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Risk-based APR range 8.50% - 13.75%; lowest rate for members with credit score 700+, active checking or direct deposit, and payment from a Siouxland FCU account; effective 10-01-2026
Credit Grade: A; Max Loan to Value: All categories= 50% of NADA and inspection required on all
APR range 8.59% - 17.99%; Note: $5,000 & under, maximum 48 months
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
APR range 9.09% - 9.59%
Credit Score: 649-600; Model Year: 2023 & Newer
As Low As; APR Type: Fixed; Rates as of 10/31/2014
Credit Grade: B (674-621); Max Loan to Value: B= 95% of NADA retail
Credit Grade: B (674-621); Max Loan to Value: B= 95% of NADA retail
Credit Grade: B (674-621); Max Loan to Value: B= 95% of NADA retail
Model Year: 2013 and Older; Credit Tier: Platinum (750 - Above)
Model Year: 2014 - 2020; Credit Tier: Valued (650-699)
Model Year: 2014 - 2020; Credit Tier: Valued (650-699)
Model Year: 2014 - 2020; Credit Tier: Valued (650-699)
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Credit Grade: B (674-621); Max Loan to Value: B= 95% of NADA retail
Credit Score: 649-600; Model Year: 2023 & Newer
Credit Score: 649-600; Model Year: 2023 & Newer
Model Year: 2013 and Older; Credit Tier: Premier (700-749)
Model Year: 2013 and Older; Credit Tier: Platinum (750 - Above)
Credit Score: 649-600
Credit Score: 649-600; Model Year: 2025 & Newer
Credit Grade: B (674-621); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail
Model Year: 2013 and Older; Credit Tier: Premier (700-749)
Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Credit Grade: B; Max Loan to Value: B= 95% of NADA retail
Credit Grade: B; Max Loan to Value: B= 95% of NADA retail
Credit Score: 649-600
Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Credit Grade: B; Max Loan to Value: B= 95% of NADA retail
Credit Grade: C (620-500); Max Loan to Value: C= 90% of NADA retail
Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Credit Grade: B; Max Loan to Value: B= 95% of NADA retail
Credit Grade: C (620-500); Max Loan to Value: C= 90% of NADA retail
Credit Grade: B; Max Loan to Value: B = 90% of NADA retail
Term: 72 months (2021-2022 only); Credit Score: 649-600
Credit Grade: C (620-500); Max Loan to Value: C= 90% of NADA retail
Credit Grade: C (620-500); Max Loan to Value: C= 90% of NADA retail
Model Year: 2013 and Older; Credit Tier: Valued (650-699)
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Credit Score: 599 and below; Model Year: 2023 & Newer
Credit Grade: B; Max Loan to Value: All categories= 50% of NADA and inspection required on all
Credit Grade: C (620-500); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail
Model Year: 2013 and Older; Credit Tier: Valued (650-699)
Model Year: 2014 - 2020; Credit Tier: Builder (600-649)
Credit Grade: C; Max Loan to Value: C= 90% of NADA retail
Credit Grade: C; Max Loan to Value: C= 90% of NADA retail
Credit Grade: C; Max Loan to Value: C= 90% of NADA retail
Model Year: 2014 - 2020; Credit Tier: Builder (600-649)
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Credit Grade: C; Max Loan to Value: C= 90% of NADA retail
Credit Grade: C; Max Loan to Value: C = 80% of NADA retail
Credit Score: 599 and below; Model Year: 2023 & Newer
Credit Score: 599 and below
Model Year: 2014 - 2020; Credit Tier: Builder (600-649)
Credit Score: 599 and below; Model Year: 2023 & Newer
Credit Grade: C; Max Loan to Value: All categories= 50% of NADA and inspection required on all
Credit Score: 599 and below; Model Year: 2025 & Newer
Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Credit Score: 599 and below
Model Year: 2013 and Older; Credit Tier: Builder (600-649)
Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Term: 72 months (2021-2022 only); Credit Score: 599 and below
Model Year: 2013 and Older; Credit Tier: Builder (600-649)
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Model Year: 2014 - 2020; Credit Tier: Rebuilder (599-Under)
Model Year: 2014 - 2020; Credit Tier: Rebuilder (599-Under)
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Model Year: 2013 and Older; Credit Tier: Rebuilder (599-Under)
Model Year: 2013 and Older; Credit Tier: Rebuilder (599-Under)
Model Year: 2014 - 2020; Credit Tier: Rebuilder (599-Under)
Herreid New Auto Auto Loan Rates
Credit Score: 750+; Model Year: 2023 & Newer
Credit Score: 750+; Model Year: 2023 & Newer
Credit Score: 749-680; Model Year: 2023 & Newer
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
Credit Score: 750+; Model Year: 2023 & Newer
Credit Score: 749-680; Model Year: 2023 & Newer
As Low As; Low rates with flexible terms!
As Low As; Credit Tier 760>; APR
Credit Score: 750+; Model Year: 2025 & Newer
Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
As Low As; Credit Tier 760>; APR
As Low As; Model Year: 2023 & Newer
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
As Low As; Credit Tier 760>; APR
Risk-based APR range 4.99% - 10.25%; lowest rate for members with credit score 700+, active checking or direct deposit, and payment from a Siouxland FCU account; effective 10-01-2026
Credit Score: 749-680; Model Year: 2023 & Newer
As Low As; Model Year: 2023 & Newer
As Low As; Credit Tier 760>; $10,000 minimum; APR
Credit Score: 749-680; Model Year: 2025 & Newer
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
As Low As; Model Year: 2023 & Newer
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
APR range 5.49% - 17.99%; Note: $5,000 & under, maximum 48 months
As Low As; Credit Tier 760>; $20,000 minimum; APR
APR range 5.59% - 17.99%
As Low As; Model Year: 2023 & Newer
Credit Score: 679-650; Model Year: 2023 & Newer
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
As Low As; Credit Tier 760>; $25,000 minimum; APR
Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
Credit Score: 679-650; Model Year: 2023 & Newer
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Credit Score: 679-650; Model Year: 2023 & Newer
Credit Score: 679-650; Model Year: 2025 & Newer
APR range 6.59% - 17.99%; Note: Available for $35,000/over
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)
Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Premier (700-749)
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Credit Score: 649-600; Model Year: 2023 & Newer
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Valued (650-699)
Credit Score: 649-600; Model Year: 2023 & Newer
Credit Score: 649-600; Model Year: 2023 & Newer
Credit Score: 649-600; Model Year: 2025 & Newer
Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Credit Score: 599 and below; Model Year: 2023 & Newer
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Builder (600-649)
Credit Score: 599 and below; Model Year: 2023 & Newer
Credit Score: 599 and below; Model Year: 2023 & Newer
Credit Score: 599 and below; Model Year: 2025 & Newer
Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Term: 72 Months (over $20,000); Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Term: 84 Months (over $30,000); Model Year: 2021 - NEW; Credit Tier: Rebuilder (599-Under)
Herreid Used Auto Auto Loan Rates
As Low As; Low rates with flexible terms!
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Auto loan; Model years 2026, 2025 & 2024; Limited-time auto loan special; *APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required for advertised rate; $5,000 minimum loan amount; 10% down pertains to used vehicles 3 years old or newer
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Score: 750+
Credit Score: 750+
APR range 5.69% - 17.99%; Note: $5,000 & under, maximum 48 months
Limited-time auto loan special; APR assumes excellent credit on new vehicle purchase; automatic payments from Security First Bank checking or savings required for advertised rate; $5,000 minimum loan amount; 20% down required for vehicles four years and older
Additional APR listed for this product: 5.99%, 6.24%. Auto loan; Model years 2026, 2025 & 2024; Limited-time auto loan special; *APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required for advertised rate; $5,000 minimum loan amount; 10% down pertains to used vehicles 3 years old or newer
Credit Score: 749-680
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Score: 750+; Model Year: 2021-2022 only
Term: 72 months (2021-2022 only); Credit Score: 750+
Additional APR listed for this product: 6.24%, 6.59%. Limited-time auto loan special; APR assumes excellent credit on new vehicle purchase; automatic payments from Security First Bank checking or savings required for advertised rate; $5,000 minimum loan amount; 20% down required for vehicles four years and older
APR range 5.99% - 17.99%
Credit Score: 749-680
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Term: 72 months (2021-2022 only); Credit Score: 749-680
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A+ (700+); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail
APR range 6.99% - 17.99%; Note: Available for $35,000/over
Credit Score: 679-650
APR range 7.09% - 17.99%; Note: $5,000 & under, maximum 48 months
Credit Grade: A (699-675); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail
Credit Score: 679-650
Term: 72 months (2021-2022 only); Credit Score: 679-650
Credit Grade: A+; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
APR range 8.09% - 9.09%
Credit Grade: A+; Max Loan to Value: All categories= 50% of NADA and inspection required on all
Credit Grade: A; Max Loan to Value: A+, A = 100% NADA retail+taxes+fees
Credit Grade: A; Max Loan to Value: All categories= 50% of NADA and inspection required on all
APR range 8.59% - 17.99%; Note: $5,000 & under, maximum 48 months
APR range 9.09% - 9.59%
Credit Grade: B (674-621); Max Loan to Value: B= 95% of NADA retail
Credit Grade: B (674-621); Max Loan to Value: B= 95% of NADA retail
Credit Grade: B (674-621); Max Loan to Value: B= 95% of NADA retail
Credit Grade: B (674-621); Max Loan to Value: B= 95% of NADA retail
Credit Score: 649-600
Credit Grade: B (674-621); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail
Credit Grade: B; Max Loan to Value: B= 95% of NADA retail
Credit Grade: B; Max Loan to Value: B= 95% of NADA retail
Credit Score: 649-600
Credit Grade: B; Max Loan to Value: B= 95% of NADA retail
Credit Grade: C (620-500); Max Loan to Value: C= 90% of NADA retail
Credit Grade: B; Max Loan to Value: B= 95% of NADA retail
Credit Grade: C (620-500); Max Loan to Value: C= 90% of NADA retail
Credit Grade: B; Max Loan to Value: B = 90% of NADA retail
Term: 72 months (2021-2022 only); Credit Score: 649-600
Credit Grade: C (620-500); Max Loan to Value: C= 90% of NADA retail
Credit Grade: C (620-500); Max Loan to Value: C= 90% of NADA retail
Credit Grade: B; Max Loan to Value: All categories= 50% of NADA and inspection required on all
Credit Grade: C (620-500); Max Loan to Value: A+, A = 100% NADA retail+taxes+fees; B = 95% of NADA retail; C = 90% of NADA retail
Credit Grade: C; Max Loan to Value: C= 90% of NADA retail
Credit Grade: C; Max Loan to Value: C= 90% of NADA retail
Credit Grade: C; Max Loan to Value: C= 90% of NADA retail
Credit Grade: C; Max Loan to Value: C= 90% of NADA retail
Credit Grade: C; Max Loan to Value: C = 80% of NADA retail
Credit Score: 599 and below
Credit Grade: C; Max Loan to Value: All categories= 50% of NADA and inspection required on all
Credit Score: 599 and below
Term: 72 months (2021-2022 only); Credit Score: 599 and below
Herreid, SD Auto Loan Rate Trends
Compare local Herreid, 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.
South Dakota new auto rates fell 0.162 points over the past 7 days to 5.357% APR.
South Dakota used auto rates fell 0.061 points over the past 7 days to 6.597% APR.
Herreid, SD 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 South Dakota 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 South Dakota 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 @ 5.36% APR SD average | Used Auto @ 6.60% APR SD average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.52/mo | $294.17/mo | $8.65/mo |
| $25,000 | $475.87/mo | $490.29/mo | $14.42/mo |
| $35,000 | $666.22/mo | $686.41/mo | $20.18/mo |
| $45,000 | $856.57/mo | $882.52/mo | $25.95/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 Herreid, South Dakota
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Herreid, South Dakota 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 South Dakota. 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 Herreid, South Dakota 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: Herreid, South Dakota CD rates lock in a guaranteed return until you’re ready to buy
South Dakota Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $571 monthly car payment works out to roughly 15.8% of the median individual income in South Dakota. 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 Herreid, South Dakota, 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 Herreid, South Dakota. We’ve prefilled the APR with today’s SD 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 Herreid, South Dakota 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 Herreid, South Dakota 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 Herreid, South Dakota. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in SD.
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 Herreid, South Dakota
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 Herreid, South Dakota
How does my credit score affect my car loan rate in South Dakota?
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 Herreid, South Dakota?
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 Herreid, South Dakota?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Herreid, South Dakota?
- Service First Federal Credit Union: 4.15% (New Vehicle Auto Loan)
- Interfaith Federal Credit Union: 4.50% (New Autos, SUVs, Trucks, Vans)
- Northern Hills Federal Credit Union: 4.70% (New Autos-Never Titled)
- Sentinel Federal Credit Union: 4.74% (Auto Loan - 2023 and Newer)
- Fort Randall Federal Credit Union: 4.75% (Auto Loan - 2021 New)
Herreid, South Dakota Rates & Resources
