Willow Lake, SD Best Auto Loan Rates - September 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 Willow Lake, South Dakota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Willow Lake, South Dakota include Service First Federal Credit UnionService First Federal Credit UnionA+5.0 ★Texas Ratio: 4.60% offering New Vehicles (2023 & Newer) - 6-48 months Loan at 4.15%, Siouxland Federal Credit UnionSiouxland Federal Credit UnionA+5.0 ★Texas Ratio: 2.24% offering 2019-2022 Vehicles, Motorcycles & Boats Loan at 4.75%, Fort Randall Federal Credit UnionFort Randall Federal Credit UnionA+5.0 ★Texas Ratio: 3.26% offering Auto Loan - 2021 NEW - 48 Months at 4.75%, East River Federal Credit UnionEast River Federal Credit UnionA+5.0 ★Texas Ratio: 4.82% offering Auto Loans (2022 - 2020) 1 - 36 Months at 4.90%, Lakota Federal Credit UnionLakota Federal Credit UnionA+5.0 ★Texas Ratio: 1.21% offering Used Vehicles - 24 Months Loan at 5.54%. Auto loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Willow Lake borrowers have access to 7 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 Willow Lake, South Dakota. Auto Loan Rates Last Updated and Verified: September 9, 2026
Compare Auto Loan Rates Today in Willow Lake, South Dakota & Surrounding Area
Willow Lake Auto Loan Rates
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: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
4.15%
48 Months
▼
APR4.15%
Term48 Months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
4.37%
48 Months
▼
APR4.37%
Term48 Months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
4.55%
72 months
▼
APR4.55%
Term72 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
4.61%
60 months
▼
APR4.61%
Term60 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedAug 31, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
2019-2022 Vehicles, Motorcycles & Boats Loan
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedSep 4, 2026
Details
Rates marked with *; APR range: 4.75% - 10.00%
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
2023-New Vehicles, Motorcycles & Boats Loan
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedSep 4, 2026
Details
Rates marked with *; APR range: 4.75% - 10.00%
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
4.75%
Up To 36 Months
▼
APR4.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans (2022 - 2020) 1 - 36 Months
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedSep 4, 2026
Details
As Low As*
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
5.05%
72 months
▼
APR5.05%
Term72 months
Last UpdatedAug 31, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans (2022 - 2020) 37 - 60 Months
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedSep 4, 2026
Details
As Low As*
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedAug 31, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans (2022 - 2020) 61 - 72 Months
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedSep 4, 2026
Details
As Low As*
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
5.54%
24 Months
▼
APR5.54%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+ (700+)
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans (2022 - 2020) 73 - 84 Months
5.65%
84 Months
▼
APR5.65%
Term84 Months
Last UpdatedSep 4, 2026
Details
As Low As*
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedAug 31, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.70%
Up to 24 months
▼
APR5.70%
TermUp to 24 months
Last UpdatedSep 4, 2026
Details
Credit Tier 760>
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedSep 4, 2026
Details
Credit Tier 760>
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
5.75%
Up To 36 Months
▼
APR5.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
5.79%
24 Months
▼
APR5.79%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.80%
48 months
▼
APR5.80%
Term48 months
Last UpdatedSep 4, 2026
Details
Credit Tier 760>
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
5.84%
24 Months
▼
APR5.84%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A (699-675)
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.85%
60 months
▼
APR5.85%
Term60 months
Last UpdatedSep 4, 2026
Details
Credit Tier 760>
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
5.89%
60 months
▼
APR5.89%
Term60 months
Last UpdatedAug 31, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.90%
72 months
▼
APR5.90%
Term72 months
Last UpdatedSep 4, 2026
Details
Credit Tier 760>
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans
5.90%
1 - 36 Months
▼
APR5.90%
Term1 - 36 Months
Last UpdatedSep 4, 2026
Details
As Low As*
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+ (700+)
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Auto Loan
5.95%
72 month
▼
APR5.95%
Term72 month
Last UpdatedAug 31, 2026
Details
Individual rate is determined by credit scores, subject to loan approval. $10,000 loan at 5.95% APR (annual percentage rate) for a 72 month term with 0% down, monthly payments are $165. Payment calculation is only an estimate, please speak with a loan officer for exact figures.
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+ (700+)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
6.05%
36 Months
▼
APR6.05%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
6.09%
24 Months
▼
APR6.09%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans
6.15%
37 - 60 Months
▼
APR6.15%
Term37 - 60 Months
Last UpdatedSep 4, 2026
Details
As Low As*
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
6.19%
48 Months
▼
APR6.19%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+ (700+)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
6.20%
36 Months
▼
APR6.20%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A (699-675)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedAug 31, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedSep 4, 2026
Details
Credit Tier 760>
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
6.34%
48 Months
▼
APR6.34%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A (699-675)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
6.35%
36 Months
▼
APR6.35%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
6.45%
84 months
▼
APR6.45%
Term84 months
Last UpdatedAug 31, 2026
Details
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A (699-675)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Auto Loans (2013 & Older) 1 - 36 Months
6.65%
36 Months
▼
APR6.65%
Term36 Months
Last UpdatedSep 4, 2026
Details
As Low As*
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 48 Months
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 60 Months
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - Up To 36 Months
6.75%
Up To 36 Months
▼
APR6.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 750 - Above
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 60 Months Loan
6.84%
Up to 60 Months
▼
APR6.84%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
2017-2018 Vehicles, Motorcycles & Boats Loan
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Rates marked with *; APR range: 7.00% - 12.25%
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 60 Months Loan
7.14%
Up to 60 Months
▼
APR7.14%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
7.50%
36 months
▼
APR7.50%
Term36 months
Last UpdatedSep 4, 2026
Details
2018 and Older; Credit Tier 760+
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
7.65%
48 months
▼
APR7.65%
Term48 months
Last UpdatedSep 4, 2026
Details
2018 and Older; Credit Tier 760+
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 48 Months
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 60 Months
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - Up To 36 Months
7.75%
Up To 36 Months
▼
APR7.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
7.75%
Up To 36 Months
▼
APR7.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 48 Months Loan
7.99%
Up to 48 Months
▼
APR7.99%
TermUp to 48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
2016 Vehicles, Motorcycles & Boats Loan
8.25%
36 Months
▼
APR8.25%
Term36 Months
Last UpdatedSep 4, 2026
Details
Rates marked with *; APR range: 8.25% - 13.50%
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 24 Months Loan
8.28%
Up to 24 Months
▼
APR8.28%
TermUp to 24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 48 Months Loan
8.29%
Up to 48 Months
▼
APR8.29%
TermUp to 48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 24 Months Loan
8.58%
Up to 24 Months
▼
APR8.58%
TermUp to 24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 650-699
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
9.10%
48 Months
▼
APR9.10%
Term48 Months
Last UpdatedAug 31, 2026
Details
Dacotah Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Vehicle Loan
9.25%
180 Months
▼
APR9.25%
Term180 Months
Last UpdatedAug 31, 2026
Details
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
9.35%
24 Months
▼
APR9.35%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B (674-621)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
9.50%
36 Months
▼
APR9.50%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B (674-621)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
9.65%
48 Months
▼
APR9.65%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B (674-621)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - Up To 36 Months
9.75%
Up To 36 Months
▼
APR9.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 48 Months
9.75%
48 Months
▼
APR9.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 60 Months
9.75%
60 Months
▼
APR9.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - Up To 36 Months
9.75%
Up To 36 Months
▼
APR9.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
9.75%
84 Months
▼
APR9.75%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 650-699
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
9.80%
60 Months
▼
APR9.80%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B (674-621)
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
9.85%
60 months
▼
APR9.85%
Term60 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
10.25%
72 months
▼
APR10.25%
Term72 months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - 48 Months
10.25%
48 Months
▼
APR10.25%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - Up To 36 Months
10.25%
Up To 36 Months
▼
APR10.25%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
10.60%
84 months
▼
APR10.60%
Term84 months
Last UpdatedAug 31, 2026
Details
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 60 Months Loan
10.60%
Up to 60 Months
▼
APR10.60%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - 48 Months
10.75%
48 Months
▼
APR10.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
11.00%
Up To 36 Months
▼
APR11.00%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
11.10%
24 Months
▼
APR11.10%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
11.15%
36 Months
▼
APR11.15%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
11.25%
48 Months
▼
APR11.25%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
11.30%
48 Months
▼
APR11.30%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
11.35%
24 Months
▼
APR11.35%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C (620-500)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
11.50%
36 Months
▼
APR11.50%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C (620-500)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 48 Months Loan
11.60%
Up to 48 Months
▼
APR11.60%
TermUp to 48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
11.65%
48 Months
▼
APR11.65%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C (620-500)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
11.80%
60 Months
▼
APR11.80%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C (620-500)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - Up To 36 Months
12.25%
Up To 36 Months
▼
APR12.25%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
12.50%
72 Months
▼
APR12.50%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 600-649
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
12.60%
48 Months
▼
APR12.60%
Term48 Months
Last UpdatedAug 31, 2026
Details
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 24 Months Loan
12.60%
Up to 24 Months
▼
APR12.60%
TermUp to 24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 60 Months Loan
12.60%
Up to 60 Months
▼
APR12.60%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - 48 Months
12.75%
48 Months
▼
APR12.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - Up To 36 Months
13.00%
Up To 36 Months
▼
APR13.00%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
13.10%
24 Months
▼
APR13.10%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
13.15%
36 Months
▼
APR13.15%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
13.30%
48 Months
▼
APR13.30%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 48 Months
13.50%
48 Months
▼
APR13.50%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
13.50%
84 Months
▼
APR13.50%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 600-649
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
13.50%
60 Months
▼
APR13.50%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 48 Months Loan
13.60%
Up to 48 Months
▼
APR13.60%
TermUp to 48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
13.85%
60 months
▼
APR13.85%
Term60 months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 60 Months
14.00%
60 Months
▼
APR14.00%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
14.35%
72 months
▼
APR14.35%
Term72 months
Last UpdatedAug 31, 2026
Details
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 24 Months Loan
14.60%
Up to 24 Months
▼
APR14.60%
TermUp to 24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
14.85%
84 months
▼
APR14.85%
Term84 months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
15.00%
Up To 36 Months
▼
APR15.00%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - Up To 36 Months
15.25%
Up To 36 Months
▼
APR15.25%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
15.25%
48 Months
▼
APR15.25%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
15.50%
60 Months
▼
APR15.50%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - 48 Months
15.75%
48 Months
▼
APR15.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
16.50%
72 Months
▼
APR16.50%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - Up To 36 Months
17.00%
Up To 36 Months
▼
APR17.00%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 48 Months
17.50%
48 Months
▼
APR17.50%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
17.50%
84 Months
▼
APR17.50%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - 48 Months
18.00%
48 Months
▼
APR18.00%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2013 and Older - Up To 36 Months
18.00%
Up To 36 Months
▼
APR18.00%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2014 - 2020 - 60 Months
18.00%
60 Months
▼
APR18.00%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
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Willow Lake New Auto Auto Loan Rates
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: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
4.15%
48 Months
▼
APR4.15%
Term48 Months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
4.37%
48 Months
▼
APR4.37%
Term48 Months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
4.55%
72 months
▼
APR4.55%
Term72 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
4.61%
60 months
▼
APR4.61%
Term60 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedAug 31, 2026
Details
Siouxland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
2023-New Vehicles, Motorcycles & Boats Loan
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedSep 4, 2026
Details
Rates marked with *; APR range: 4.75% - 10.00%
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
4.75%
Up To 36 Months
▼
APR4.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 750 - Above
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
5.05%
72 months
▼
APR5.05%
Term72 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
5.75%
Up To 36 Months
▼
APR5.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 700-749
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
5.89%
60 months
▼
APR5.89%
Term60 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
6.45%
84 months
▼
APR6.45%
Term84 months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 750 - Above
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
7.75%
48 Months
▼
APR7.75%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
7.75%
Up To 36 Months
▼
APR7.75%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 650-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 650-699
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
9.10%
48 Months
▼
APR9.10%
Term48 Months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
9.75%
84 Months
▼
APR9.75%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 650-699
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
9.85%
60 months
▼
APR9.85%
Term60 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
10.25%
72 months
▼
APR10.25%
Term72 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
10.60%
84 months
▼
APR10.60%
Term84 months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
11.00%
Up To 36 Months
▼
APR11.00%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
11.25%
48 Months
▼
APR11.25%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 600-649
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
12.50%
72 Months
▼
APR12.50%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 600-649
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 6-48 months Loan
12.60%
48 Months
▼
APR12.60%
Term48 Months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
13.50%
84 Months
▼
APR13.50%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 600-649
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 60 months Loan
13.85%
60 months
▼
APR13.85%
Term60 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 72 months Loan
14.35%
72 months
▼
APR14.35%
Term72 months
Last UpdatedAug 31, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
New Vehicles (2023 & Newer) - 84 months (2025 & Newer) Loan
14.85%
84 months
▼
APR14.85%
Term84 months
Last UpdatedAug 31, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - Up To 36 Months
15.00%
Up To 36 Months
▼
APR15.00%
TermUp To 36 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 48 Months
15.25%
48 Months
▼
APR15.25%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 60 Months
15.50%
60 Months
▼
APR15.50%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 72 Months
16.50%
72 Months
▼
APR16.50%
Term72 Months
Last UpdatedSep 9, 2026
Details
over $20,000; Term: 72 Months (over $20,000); Credit Score: 599-Under
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Auto Loan - 2021 NEW - 84 Months
17.50%
84 Months
▼
APR17.50%
Term84 Months
Last UpdatedSep 9, 2026
Details
over $30,000; Term: 84 Months (over $30,000); Credit Score: 599-Under
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Willow Lake Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
5.54%
24 Months
▼
APR5.54%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+ (700+)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
5.79%
24 Months
▼
APR5.79%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
5.84%
24 Months
▼
APR5.84%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A (699-675)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+ (700+)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+ (700+)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
6.05%
36 Months
▼
APR6.05%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
6.09%
24 Months
▼
APR6.09%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
6.19%
48 Months
▼
APR6.19%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+ (700+)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
6.20%
36 Months
▼
APR6.20%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A (699-675)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
6.34%
48 Months
▼
APR6.34%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A (699-675)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
6.35%
36 Months
▼
APR6.35%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A (699-675)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
6.54%
60 Months
▼
APR6.54%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 60 Months Loan
6.84%
Up to 60 Months
▼
APR6.84%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 60 Months Loan
7.14%
Up to 60 Months
▼
APR7.14%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 48 Months Loan
7.99%
Up to 48 Months
▼
APR7.99%
TermUp to 48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 24 Months Loan
8.28%
Up to 24 Months
▼
APR8.28%
TermUp to 24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A+
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 48 Months Loan
8.29%
Up to 48 Months
▼
APR8.29%
TermUp to 48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 24 Months Loan
8.58%
Up to 24 Months
▼
APR8.58%
TermUp to 24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: A
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
9.35%
24 Months
▼
APR9.35%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B (674-621)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
9.50%
36 Months
▼
APR9.50%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B (674-621)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
9.65%
48 Months
▼
APR9.65%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B (674-621)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
9.80%
60 Months
▼
APR9.80%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B (674-621)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 60 Months Loan
10.60%
Up to 60 Months
▼
APR10.60%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
11.10%
24 Months
▼
APR11.10%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
11.15%
36 Months
▼
APR11.15%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
11.30%
48 Months
▼
APR11.30%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
11.35%
24 Months
▼
APR11.35%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C (620-500)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
11.50%
36 Months
▼
APR11.50%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C (620-500)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 48 Months Loan
11.60%
Up to 48 Months
▼
APR11.60%
TermUp to 48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
11.65%
48 Months
▼
APR11.65%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C (620-500)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
11.80%
60 Months
▼
APR11.80%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C (620-500)
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 24 Months Loan
12.60%
Up to 24 Months
▼
APR12.60%
TermUp to 24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: B
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 60 Months Loan
12.60%
Up to 60 Months
▼
APR12.60%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 24 Months Loan
13.10%
24 Months
▼
APR13.10%
Term24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 36 Months Loan
13.15%
36 Months
▼
APR13.15%
Term36 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 48 Months Loan
13.30%
48 Months
▼
APR13.30%
Term48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - 60 Months Loan
13.50%
60 Months
▼
APR13.50%
Term60 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 48 Months Loan
13.60%
Up to 48 Months
▼
APR13.60%
TermUp to 48 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
Lakota Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Vehicles - Up to 24 Months Loan
14.60%
Up to 24 Months
▼
APR14.60%
TermUp to 24 Months
Last UpdatedSep 9, 2026
Details
Credit Grade: C
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Willow Lake, SD Auto Loan Rate Trends
Compare local Willow Lake, 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
7.275%
Unchanged vs 7 days ago
South Dakota new auto loan rates currently average 7.275% APR.
Used Auto Loan SD Avg
8.720%
Unchanged vs 7 days ago
South Dakota used auto loan rates currently average 8.720% APR.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Willow Lake, 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.
Current New Auto Avg
7.28%
APR, as of Sep 10, 2026
6-Month Forecast
7.36%
Fed hold assumed
12-Month Forecast
7.43%
Range: 7.08% to 7.63%
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 @ 7.28% APR SD average | Used Auto @ 8.72% APR SD average | Monthly Difference |
|---|---|---|---|
| $15,000 | $298.97/mo | $309.34/mo | $10.37/mo |
| $25,000 | $498.28/mo | $515.57/mo | $17.29/mo |
| $35,000 | $697.59/mo | $721.80/mo | $24.20/mo |
| $45,000 | $896.91/mo | $928.02/mo | $31.12/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 Willow Lake, South Dakota
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Willow Lake, 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.
2
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.
3
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.
4
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.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Willow Lake, 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: Willow Lake, 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)
$43,371
Median Individual Earnings
National avg: $47,340
2.9%
Unemployment Rate
National avg: 4.8%
11.9%
Poverty Rate
National avg: 11.1%
$598/mo
Payment on a $30K / 60-mo Loan
At SD new-auto avg 7.28% APR
A $598 monthly car payment works out to roughly 16.5% of the median individual income in South Dakota. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Willow Lake, 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 1–3 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 (0–2.9% 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 Willow Lake, 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.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
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 Willow Lake, 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 Willow Lake, 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 Willow Lake, 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.
Frequently Asked Questions about Auto Loans in Willow Lake, 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 Willow Lake, 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 Willow Lake, 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.
Should I get preapproved for an auto loan before visiting a dealer in Willow Lake, South Dakota?
Yes. A preapproval from a bank or credit union serving Willow Lake, South Dakota gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Willow Lake, South Dakota can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Willow Lake, South Dakota?
Based on our current data, some of the lowest auto loan rates available in Willow Lake, South Dakota include:
- Service First Federal Credit Union: 4.15% (New Vehicles (2023 & Newer) - 6-48 months Loan)
- Siouxland Federal Credit Union: 4.75% (2019-2022 Vehicles, Motorcycles & Boats Loan)
- Fort Randall Federal Credit Union: 4.75% (Auto Loan - 2021 NEW - 48 Months)
- East River Federal Credit Union: 4.90% (Auto Loans (2022 - 2020) 1 - 36 Months)
- Lakota Federal Credit Union: 5.54% (Used Vehicles - 24 Months Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Willow Lake, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 9, 2026
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