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Auto Loan Rates in Prairie City, South Dakota (SD) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Prairie City, 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 11, 2026

Current auto loan rates in Prairie 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.

Prairie 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 Prairie City, South Dakota. Auto Loan Rates Last Updated and Verified: April 11, 2026

Compare Auto Loan Rates Today in Prairie 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR16.30%
Term72 Months
Last UpdatedApr 11, 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 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR15.40%
Term84 Months
Last UpdatedApr 11, 2026
Details

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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR16.30%
Term72 Months
Last UpdatedApr 11, 2026
Details

Prairie City, SD Auto Loan Rate Trends

Compare local Prairie 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.

View Full South Dakota Auto Trends →
New Auto Loan — SD Avg
6.832%
▲ 0.111 vs 7 days ago

South Dakota new auto rates rose 0.111 points over the past 7 days to 6.832% APR.

Used Auto Loan — SD Avg
7.641%
▲ 0.077 vs 7 days ago

South Dakota used auto rates rose 0.077 points over the past 7 days to 7.641% APR.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Prairie 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 Prairie 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 Prairie 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 Prairie City, South Dakota?

Based on our current data, some of the lowest auto loan rates available in Prairie 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 Prairie City, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 11, 2026

Prairie City, South Dakota Rates & Resources

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