Auto Loan Rates in North Sioux City, South Dakota (SD) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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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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 North Sioux City, South Dakota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in North Sioux City, South Dakota include Explorers Federal Credit UnionExplorers Federal Credit UnionA+5.0 ★Texas Ratio: 3.21% offering AUTOS: 2021-2026 at 3.99%, 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%, Security First BankSecurity First BankA+5.0 ★Texas Ratio: 3.59% offering Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in) at 4.95%, Interfaith Federal Credit UnionInterfaith Federal Credit UnionA+5.0 ★Texas Ratio: 1.60% offering New Autos, SUVs, Trucks, Vans at 5.49%, Consumers Federal Credit UnionConsumers Federal Credit UnionA+5.0 ★Texas Ratio: 1.28% offering New Auto at 5.53%. Auto loan rates as of April 11, 2026 according to verified data from MonitorBankRates.
North Sioux City borrowers have access to 5 lenders serving the South Dakota area, with auto loan rates as low as 3.99% APR from Explorers 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 North Sioux City, South Dakota. Auto Loan Rates Last Updated and Verified: April 11, 2026
Compare Auto Loan Rates Today in North Sioux City, South Dakota & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
3.99%
0 to 36
▼
APR3.99%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
4.24%
37 to 48
▼
APR4.24%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
4.49%
49 to 60
▼
APR4.49%
Term49 to 60
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+
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
▼
APR4.70%
Term48 Months
Last UpdatedApr 11, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2023 & Newer) 60 months
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 11, 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
▼
APR4.92%
Term48 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMar 28, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
4.99%
0 to 36
▼
APR4.99%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
4.99%
61 to 72
▼
APR4.99%
Term61 to 72
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2023 & Newer) 72 months
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 11, 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
▼
APR5.16%
Term60 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
5.24%
37 to 48
▼
APR5.24%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
5.24%
37 to 48
▼
APR5.24%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Credit Tier: 700-749
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMar 28, 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
▼
APR5.30%
Term84 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 28, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
5.49%
49 to 60
▼
APR5.49%
Term49 to 60
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
5.49%
49 to 60
▼
APR5.49%
Term49 to 60
Last UpdatedApr 5, 2026
Details
Credit Tier: 700-749
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedApr 11, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
5.53%
36 Months
▼
APR5.53%
Term36 Months
Last UpdatedApr 5, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2023 & Newer) 72 months
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
5.63%
37-48
▼
APR5.63%
Term37-48
Last UpdatedApr 5, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 28, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
5.74%
73-84
▼
APR5.74%
Term73-84
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+; *2022 or newer
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
5.75%
49-60
▼
APR5.75%
Term49-60
Last UpdatedApr 5, 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
▼
APR5.80%
Term84 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 28, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
5.99%
61 to 72
▼
APR5.99%
Term61 to 72
Last UpdatedApr 5, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
5.99%
61 to 72
▼
APR5.99%
Term61 to 72
Last UpdatedApr 5, 2026
Details
Credit Tier: 700-749
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 5, 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
▼
APR6.10%
Term48 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
6.15%
37-48
▼
APR6.15%
Term37-48
Last UpdatedApr 5, 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
▼
APR6.19%
Term60 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 28, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
6.24%
37 to 48
▼
APR6.24%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Credit Tier: 700-749
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
▼
APR6.24%
Term48 Months
Last UpdatedApr 11, 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
▼
APR6.32%
Term48 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
6.35%
49-60
▼
APR6.35%
Term49-60
Last UpdatedApr 5, 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
▼
APR6.44%
Term60 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
6.49%
49 to 60
▼
APR6.49%
Term49 to 60
Last UpdatedApr 5, 2026
Details
Credit Tier: 700-749
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
▼
APR6.50%
Term72 Months
Last UpdatedApr 11, 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
▼
APR6.56%
Term60 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMar 28, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
6.74%
73-84
▼
APR6.74%
Term73-84
Last UpdatedApr 5, 2026
Details
Credit Tier: 700-749; *2022 or newer
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
6.75%
61-72
▼
APR6.75%
Term61-72
Last UpdatedApr 5, 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
▼
APR6.80%
Term72 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
6.99%
0 to 36
▼
APR6.99%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
6.99%
61 to 72
▼
APR6.99%
Term61 to 72
Last UpdatedApr 5, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
6.99%
0 to 36
▼
APR6.99%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
▼
APR6.99%
Term3-7 year
Last UpdatedApr 11, 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
▼
APR7.00%
Term84 Months
Last UpdatedApr 11, 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
▼
APR7.00%
Term72 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
7.24%
37 to 48
▼
APR7.24%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
7.25%
73-84
▼
APR7.25%
Term73-84
Last UpdatedApr 5, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
7.45%
61-72
▼
APR7.45%
Term61-72
Last UpdatedApr 5, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
7.49%
37 to 48
▼
APR7.49%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
7.49%
49 to 60
▼
APR7.49%
Term49 to 60
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699
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
▼
APR7.64%
Term48 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
7.74%
0 to 36
▼
APR7.74%
Term0 to 36
Last UpdatedApr 5, 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
▼
APR7.84%
Term60 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
7.99%
0 to 36
▼
APR7.99%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
7.99%
61 to 72
▼
APR7.99%
Term61 to 72
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699
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
▼
APR8.20%
Term72 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
8.24%
37 to 48
▼
APR8.24%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
8.24%
37 to 48
▼
APR8.24%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
8.45%
73-84
▼
APR8.45%
Term73-84
Last UpdatedApr 5, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
8.49%
49 to 60
▼
APR8.49%
Term49 to 60
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
8.99%
0 to 36
▼
APR8.99%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
8.99%
61 to 72
▼
APR8.99%
Term61 to 72
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
8.99%
73-84
▼
APR8.99%
Term73-84
Last UpdatedApr 5, 2026
Details
Credit Tier: 675-699; *2022 or newer
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
9.24%
0 to 36
▼
APR9.24%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Credit Tier: 650-674
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
9.49%
37 to 48
▼
APR9.49%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
9.49%
37 to 48
▼
APR9.49%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Credit Tier: 650-674
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
▼
APR9.65%
Term48 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
9.99%
49 to 60
▼
APR9.99%
Term49 to 60
Last UpdatedApr 5, 2026
Details
Credit Tier: 650-674
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
10.24%
0 to 36
▼
APR10.24%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Credit Tier: 650-674
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2023 & Newer) 60 months
10.40%
60 Months
▼
APR10.40%
Term60 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
10.49%
37 to 48
▼
APR10.49%
Term37 to 48
Last UpdatedApr 5, 2026
Details
Credit Tier: 650-674
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2023 & Newer) 72 months
10.80%
72 Months
▼
APR10.80%
Term72 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
10.99%
0 to 36
▼
APR10.99%
Term0 to 36
Last UpdatedApr 5, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2015-2020
10.99%
49 to 60
▼
APR10.99%
Term49 to 60
Last UpdatedApr 5, 2026
Details
Credit Tier: 650-674
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2021-2026
10.99%
61 to 72
▼
APR10.99%
Term61 to 72
Last UpdatedApr 5, 2026
Details
Credit Tier: 650-674
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
▼
APR11.05%
Term48 Months
Last UpdatedApr 11, 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
▼
APR11.15%
Term84 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
11.49%
37 to 48
▼
APR11.49%
Term37 to 48
Last UpdatedApr 5, 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
▼
APR11.80%
Term60 Months
Last UpdatedApr 11, 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
▼
APR12.20%
Term72 Months
Last UpdatedApr 11, 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
▼
APR13.15%
Term48 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
13.99%
0 to 36
▼
APR13.99%
Term0 to 36
Last UpdatedApr 5, 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
▼
APR14.40%
Term60 Months
Last UpdatedApr 11, 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
▼
APR14.55%
Term48 Months
Last UpdatedApr 11, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
AUTOS: 2014 And Older
14.74%
37 to 48
▼
APR14.74%
Term37 to 48
Last UpdatedApr 5, 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
▼
APR14.90%
Term72 Months
Last UpdatedApr 11, 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
▼
APR15.40%
Term84 Months
Last UpdatedApr 11, 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
▼
APR15.80%
Term60 Months
Last UpdatedApr 11, 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
▼
APR16.30%
Term72 Months
Last UpdatedApr 11, 2026
Details
Powered by
MonitorBankRates
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
▼
APR4.70%
Term48 Months
Last UpdatedApr 11, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2023 & Newer) 60 months
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 11, 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
▼
APR4.92%
Term48 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMar 28, 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
▼
APR5.10%
Term72 Months
Last UpdatedApr 11, 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
▼
APR5.16%
Term60 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMar 28, 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
▼
APR5.30%
Term84 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 28, 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
▼
APR5.49%
Term3-7 year
Last UpdatedApr 11, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
5.53%
36 Months
▼
APR5.53%
Term36 Months
Last UpdatedApr 5, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles (2023 & Newer) 72 months
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
5.63%
37-48
▼
APR5.63%
Term37-48
Last UpdatedApr 5, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 28, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
5.75%
49-60
▼
APR5.75%
Term49-60
Last UpdatedApr 5, 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
▼
APR5.80%
Term84 Months
Last UpdatedApr 11, 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
▼
APR6.24%
Term48 Months
Last UpdatedApr 11, 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
▼
APR6.44%
Term60 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
6.75%
61-72
▼
APR6.75%
Term61-72
Last UpdatedApr 5, 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
▼
APR6.80%
Term72 Months
Last UpdatedApr 11, 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
▼
APR7.00%
Term84 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Auto
7.25%
73-84
▼
APR7.25%
Term73-84
Last UpdatedApr 5, 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
▼
APR9.65%
Term48 Months
Last UpdatedApr 11, 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
▼
APR10.40%
Term60 Months
Last UpdatedApr 11, 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
▼
APR10.80%
Term72 Months
Last UpdatedApr 11, 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
▼
APR11.15%
Term84 Months
Last UpdatedApr 11, 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
▼
APR13.15%
Term48 Months
Last UpdatedApr 11, 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
▼
APR14.40%
Term60 Months
Last UpdatedApr 11, 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
▼
APR14.90%
Term72 Months
Last UpdatedApr 11, 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
▼
APR15.40%
Term84 Months
Last UpdatedApr 11, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 28, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 5, 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
▼
APR6.10%
Term48 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
6.15%
37-48
▼
APR6.15%
Term37-48
Last UpdatedApr 5, 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
▼
APR6.19%
Term60 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 28, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 28, 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
▼
APR6.32%
Term48 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
6.35%
49-60
▼
APR6.35%
Term49-60
Last UpdatedApr 5, 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
▼
APR6.50%
Term72 Months
Last UpdatedApr 11, 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
▼
APR6.56%
Term60 Months
Last UpdatedApr 11, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMar 28, 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
▼
APR6.99%
Term3-7 year
Last UpdatedApr 11, 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
▼
APR7.00%
Term72 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
7.45%
61-72
▼
APR7.45%
Term61-72
Last UpdatedApr 5, 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
▼
APR7.64%
Term48 Months
Last UpdatedApr 11, 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
▼
APR7.84%
Term60 Months
Last UpdatedApr 11, 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
▼
APR8.20%
Term72 Months
Last UpdatedApr 11, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Auto
8.45%
73-84
▼
APR8.45%
Term73-84
Last UpdatedApr 5, 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
▼
APR11.05%
Term48 Months
Last UpdatedApr 11, 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
▼
APR11.80%
Term60 Months
Last UpdatedApr 11, 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
▼
APR12.20%
Term72 Months
Last UpdatedApr 11, 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
▼
APR14.55%
Term48 Months
Last UpdatedApr 11, 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
▼
APR15.80%
Term60 Months
Last UpdatedApr 11, 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
▼
APR16.30%
Term72 Months
Last UpdatedApr 11, 2026
Details
Powered by
MonitorBankRates
North Sioux City, SD Auto Loan Rate Trends
Compare local North Sioux City, 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.
New Auto Loan — SD Avg
6.853%
▲ 0.021 vs 7 days ago
South Dakota new auto rates rose 0.021 points over the past 7 days to 6.853% APR.
Used Auto Loan — SD Avg
7.793%
▲ 0.152 vs 7 days ago
South Dakota used auto rates rose 0.152 points over the past 7 days to 7.793% APR.
As of Apr 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in North Sioux City, 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 North Sioux City, 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 North Sioux City, 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 North Sioux City, South Dakota?
Based on our current data, some of the lowest auto loan rates available in North Sioux City, South Dakota include:
- Explorers Federal Credit Union: 3.99% (AUTOS: 2021-2026)
- Service First Federal Credit Union: 4.70% (New Vehicles (2023 & Newer) 6-48 months)
- Security First Bank: 4.95% (Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in))
- Interfaith Federal Credit Union: 5.49% (New Autos, SUVs, Trucks, Vans)
- Consumers Federal Credit Union: 5.53% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Sioux City, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 11, 2026
North Sioux City, South Dakota Rates & Resources
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