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Auto Loan Rates in Newcastle, Wyoming (WY) for June 2026

Current auto loan rates in Newcastle, Wyoming include First Education Federal Credit UnionFirst Education Federal Credit UnionA+5.0 ★Texas Ratio: 0.36% offering New Vehicles Loan at 4.49%, Advantage Plus Federal Credit UnionAdvantage Plus Federal Credit UnionA+5.0 ★Texas Ratio: 3.53% offering New Auto Up to 60 months at 4.99%, Sunlight Federal Credit UnionSunlight Federal Credit UnionA+5.0 ★Texas Ratio: 4.25% offering New Auto at 5.49%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.

Newcastle borrowers have access to 3 lenders serving the Wyoming area, with auto loan rates as low as 4.49% APR from First Education 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 Newcastle, Wyoming. Auto Loan Rates Last Updated and Verified: June 16, 2026

Compare Auto Loan Rates Today in Newcastle, Wyoming & Surrounding Area

Newcastle Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicles Loan
4.49%
48-84 Months
APR4.49%
Term48-84 Months
Last UpdatedJun 16, 2026
Details

First Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicles Loan
4.99%
48-84 Months
APR4.99%
Term48-84 Months
Last UpdatedJun 16, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
New Auto Up to 60 months
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

(700+ score)

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
New Auto 72 months
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
New Auto
5.49%
Up to 96 months
APR5.49%
TermUp to 96 months
Last UpdatedJun 16, 2026
Details

As Low As

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Used Auto
5.74%
Up to 84 months
APR5.74%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
New Auto 84 months
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
Used Auto (7 years old or older) - 72 months
6.49%
72 months
APR6.49%
Term72 months
Last UpdatedJun 16, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
Used Auto (7 years old or older) - 84 months
6.49%
84 months
APR6.49%
Term84 months
Last UpdatedJun 16, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
Used Auto (7 years old or older) - 96 months
6.49%
96 months
APR6.49%
Term96 months
Last UpdatedJun 16, 2026
Details

*

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
Used Auto (7 years old or older) - Up to 60 months
6.49%
60 months
APR6.49%
Term60 months
Last UpdatedJun 16, 2026
Details

700+ score

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
New Auto *96 months
7.09%
*96 months
APR7.09%
Term*96 months
Last UpdatedJun 16, 2026
Details

Newcastle New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Vehicles Loan
4.49%
48-84 Months
APR4.49%
Term48-84 Months
Last UpdatedJun 16, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
New Auto Up to 60 months
4.99%
Up to 60 months
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details

(700+ score)

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
New Auto 72 months
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
New Auto
5.49%
Up to 96 months
APR5.49%
TermUp to 96 months
Last UpdatedJun 16, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
New Auto 84 months
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
New Auto *96 months
7.09%
*96 months
APR7.09%
Term*96 months
Last UpdatedJun 16, 2026
Details

Newcastle Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Used Vehicles Loan
4.99%
48-84 Months
APR4.99%
Term48-84 Months
Last UpdatedJun 16, 2026
Details

Sunlight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Used Auto
5.74%
Up to 84 months
APR5.74%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details

As Low As

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
Used Auto (7 years old or older) - 72 months
6.49%
72 months
APR6.49%
Term72 months
Last UpdatedJun 16, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
Used Auto (7 years old or older) - 84 months
6.49%
84 months
APR6.49%
Term84 months
Last UpdatedJun 16, 2026
Details

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
Used Auto (7 years old or older) - 96 months
6.49%
96 months
APR6.49%
Term96 months
Last UpdatedJun 16, 2026
Details

*

Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
Used Auto (7 years old or older) - Up to 60 months
6.49%
60 months
APR6.49%
Term60 months
Last UpdatedJun 16, 2026
Details

700+ score

Newcastle, WY Auto Loan Rate Trends

Compare local Newcastle, WY 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 Wyoming Auto Trends →
New Auto Loan — WY Avg
5.369%
Unchanged vs 7 days ago

Wyoming new auto loan rates currently average 5.369% APR.

Used Auto Loan — WY Avg
5.866%
▲ 0.267 vs 7 days ago

Wyoming used auto rates rose 0.267 points over the past 7 days to 5.866% APR.

As of Jun 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Newcastle, Wyoming 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 Newcastle, Wyoming 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 Newcastle, Wyoming. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in WY.

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 Newcastle, Wyoming

How does my credit score affect my car loan rate in Wyoming?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Newcastle, Wyoming 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 Wyoming *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 Newcastle, Wyoming 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 Newcastle, Wyoming?

Based on our current data, some of the lowest auto loan rates available in Newcastle, Wyoming include:
  • First Education Federal Credit Union: 4.49% (New Vehicles Loan)
  • Advantage Plus Federal Credit Union: 4.99% (New Auto Up to 60 months)
  • Sunlight Federal Credit Union: 5.49% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Newcastle, Wyoming. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026