Madison, Alabama Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Madison, Alabama auto loan rates range from 2.99% to 9.15% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Madison, Alabama include North Alabama Educators Credit UnionNorth Alabama Educators Credit Union7559 Highway 72 W Ste 114, Madison, AL, 35758 8816A+5.0 ★Texas Ratio: 3.45%Rate verified Nov 8, 2026 offering New or Used Vehicle 2022 or newer Loan at 4.65%, Alabama Credit UnionAlabama Credit Union100 New Bristol Lane, Madison, AL, 35756A+5.0 ★Texas Ratio: 5.72%Rate verified Nov 8, 2026 offering Auto Loan - New & Up to 5 Years Old at 4.74%, Redstone Federal Credit UnionRedstone Federal Credit Union4005 Lawson Ridge Dr, Madison, AL, 35757A+5.0 ★Texas Ratio: 2.10%Rate verified Nov 7, 2026 offering Auto Loan - New Vehicle 2024-2027 at 5.10%, SouthState BankSouthState Bank8153 Highway 72 W, Madison, AL, 35758A+5.0 ★Texas Ratio: 2.27%Rate verified Nov 5, 2026 offering New Car Loan at 5.23%, Family Security Credit UnionFamily Security Credit Union8230 Madison Blvd, Madison, AL, 35758 2002A+5.0 ★Texas Ratio: 1.16%Rate verified Nov 8, 2026 offering Automobiles, Boats, Travel Trailers, Farm Equipment - 36 Months or less at 5.34%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Madison has 6 local institutions in our database, with auto loan rates as low as 4.65% APR from North Alabama Educators Credit Union at 7559 Highway 72 W Ste 114, Madison, AL, 35758 8816. 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 Madison, Alabama. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Madison, Alabama & Surrounding Area
Madison Auto Loan Rates
As Low As; Fixed Rate
- Oct 9, 20264.65%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
$20,000; As Low As; Fixed Rate; Finance $20,000 or more
As Low As; Fixed Rate
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
$20,000; As Low As; Fixed Rate; Finance amounts of $20,000 or more
As Low As; Fixed Rate
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
As Low As; Fixed Rate
- Oct 9, 20264.99%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
- Nov 7, 20265.10%▲ from 5.00%
- Oct 12, 20265.00%first recorded
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Rates as of December 15, 2025
As Low As; Rates as of December 15, 2025
As Low As; Rates as of December 15, 2025
As Low As; Vehicle: Used Vehicle 2020-2027; Footnote b: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years
- Nov 7, 20265.35%▲ from 5.25%
- Oct 12, 20265.25%first recorded
As Low As; Rates as of December 15, 2025
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
- Nov 7, 20265.65%▲ from 5.50%
- Oct 12, 20265.50%first recorded
As Low As; Rates from 5.70% APR for 84 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $50,000, maximum loan $150,000; example loan $50,000 for 84 months at $721.11/month
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Vehicle: Used Vehicle 2020-2027; Footnote b: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years
- Nov 7, 20265.90%▲ from 5.75%
- Oct 12, 20265.75%first recorded
$28,000; As Low As; Fixed Rate; Finance $28,000 or more
$28,000; As Low As; Fixed Rate; Finance amounts of $28,000 or more
As Low As; Rates from 6.05% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $25,000 for 72 months at $412.42/month; eligible model years 2023-2026
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Vehicle: Used Vehicle 2016-2019
- Nov 7, 20266.10%▲ from 6.00%
- Oct 12, 20266.00%first recorded
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
- Nov 7, 20266.15%▲ from 6.00%
- Oct 12, 20266.00%first recorded
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Rates as of December 15, 2025
As Low As; Vehicle: Used Vehicle 2020-2027; Footnote b: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years
- Nov 7, 20266.40%▲ from 6.25%
- Oct 12, 20266.25%first recorded
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
As Low As; Vehicle: Used Vehicle 2016-2019
- Nov 7, 20266.65%▲ from 6.50%
- Oct 12, 20266.50%first recorded
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Vehicle: Used Vehicle 2016-2019
- Nov 7, 20267.15%▲ from 7.00%
- Oct 12, 20267.00%first recorded
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Vehicle: Used Vehicle 2015 or older
- Nov 7, 20268.10%▲ from 8.00%
- Oct 12, 20268.00%first recorded
As Low As; Vehicle: Used Vehicle 2015 or older
- Nov 7, 20268.65%▲ from 8.50%
- Oct 12, 20268.50%first recorded
As Low As; Vehicle: Used Vehicle 2015 or older
- Nov 7, 20269.15%▲ from 9.00%
- Oct 12, 20269.00%first recorded
Up to 84 months; APR as low as 2.99%*
Credit Score: 730+; Collateral Value: 100% LTV
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner)
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner)
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner); New Vehicles less than $10,000.00 will be financed no longer than 60 Months
As Low As; Up to one model year old; Effective as of Nov 1, 2026
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
Grade: Platinum; Collateral Value: 100% LTV
As Low As; APR range 3.25%-13.00%; Restrictions: 100% Financing
As Low As; Annual Percentage Rate
Credit Score: 730+; Collateral Value: 100% LTV
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner)
As Low As; APR range 3.50%-14.00%
As Low As; APR range 3.50%-14.00%; Restrictions: NADA Retail Value Maximum
As Low As; Rates effective September 11th, 2026
Credit Score: 730+; Collateral Value: 100% LTV
Grade: Platinum; Collateral Value: 100% LTV
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner)
As Low As; Rate as low as 3.75% APR available on 48-month auto loans for qualified borrowers; Lowest rates require MAX checking account; Advertised rate includes 1.25% checking discount and 0.25% LTV discount
As Low As; APR range 3.75%-15.00%
As Low As; APR range 3.75%-15.00%
As Low As; Rates effective September 11th, 2026
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20263.99%▲ from 3.74%
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Annual Percentage Rate
As Low As; Annual Percentage Rate
Model Year 2026-2024
Credit Score: 730+; Collateral Value: 100% LTV
Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; Vehicle must be New, no miles and cost more than $25,001.00
As Low As; APR range 4.00%-16.00%
As Low As; APR range 4.00%-16.00%
As Low As; Rates effective September 11th, 2026
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.14%▼ from 4.64%
- Sep 17, 20264.64%first recorded
As Low As; Rates effective September 11th, 2026
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New & Used: New; Model Year: Current and prior year
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.29%▼ from 4.79%
- Sep 17, 20264.79%first recorded
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.39%▼ from 4.89%
- Sep 17, 20264.89%first recorded
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.39%▼ from 4.89%
- Sep 17, 20264.89%first recorded
As Low As; Rates effective September 11th, 2026
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; APR range 4.49% - 5.49%; Vehicles loan
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20264.49%▲ from 4.24%
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Published APR range: 4.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
As Low As; APR range 4.49% - 5.49%
Model Year 2026-2024; Financing $20,000 or more
Model Year 2023-2022
As Low As; APR range 4.50% - 21.95%
- Oct 2, 20264.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Term: 6.5 Years (78 months); Credit Score: 730+; Collateral Value: 100% LTV
Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; Vehicle Loan; Current year + 2 previous years
As Low As; Auto Loans (Vehicle Loans)
As Low As; Auto Loans (Vehicle Loans)
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
As Low As; Guaranteed Better Loan Advantage; No payment for 90 days; Flexible monthly terms 24-84; Rates effective as of September 1, 2026; subject to change
As Low As; Model Year: 2024 - 2026
As Low As; Model Year: 2026 - 2023
- Oct 9, 20264.50%▲ from 4.49%
- Sep 21, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Published APR range: 4.50%-6.75%.
As Low As; Competitive fixed rate on new or used vehicles; Up to 125% financing available for qualified buyers; Full coverage insurance required
- Oct 13, 20264.50%▼ from 6.50%
- Sep 14, 20266.50%first recorded
APR range: 4.50% - 18.00%; Subject to credit approval
As Low As; Current or up to 2 yrs. old; Includes Passenger, Custom, Cargo Vans, Pickups; Maximum Loan Amount: MSRP; All loans based on creditworthiness
Lowest; Current & prior 2 model years
As Low As; APR range 4.50%-7.75%; Restrictions: 90% Financing
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Featured rate; A lower credit score may cause a higher loan rate; APR based on credit worthiness, loan amount, current mileage, term and loan to value
As Low As; Current or up to 2 yrs. old; Includes Passenger, Custom, Cargo Vans, Pickups; Maximum Loan Amount: MSRP; All loans based on creditworthiness
As Low As; APR* (As low as); Rates may vary
- Nov 3, 20264.64%▲ from 4.49%
- Sep 21, 20264.49%first recorded
As Low As; Rates as of November 1, 2026
As Low As; Rates effective September 11th, 2026
As Low As; Rates effective September 11th, 2026
As Low As; Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 120% of NADA Retail Value. All loans based on creditworthiness. Your actual rate may be higher.
APR Range: 4.73% - 11.99%; Est. Payment/$1,000 Borrowed: $29.85 - $33.21; Rates as of 11/4/2026
- Nov 5, 20264.73%▼ from 4.99%
- Oct 10, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20264.74%▲ from 4.49%
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
New and Used Auto Loans; Rates vary based on credit and loan term
Credit Score: 729-680; Collateral Value: 100% LTV
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As Low As; Model Year: 2024 - 2026
As Low As; Model Year: 2022 - 2023
- Sep 29, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Model Year: 2026 - 2023
- Oct 9, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
New Vehicle Loans (2025-2027); New Purchase Rate Only; Rates as of 10/1/2026
New Purchase Rate Only; Rates as of 10/1/2026
Published APR range: 4.75%-7.00%.
APR range: 4.75% - 18.00%; Subject to credit approval
As Low As; Subject to Credit Approval
As Low As; Subject to Credit Approval
As Low As; Subject to Credit Approval
Current & prior 2 model years
As Low As; Current or up to 2 yrs. old; Includes Passenger, Custom, Cargo Vans, Pickups; Maximum Loan Amount: MSRP; All loans based on creditworthiness
As Low As; Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 120% of NADA Retail Value. All loans based on creditworthiness. Your actual rate may be higher.
Lowest possible rate for term; rates vary by creditworthiness
Lowest possible rate for term; rates vary by creditworthiness
Lowest possible rate for term; rates vary by creditworthiness
As Low As; Lowest possible rate for each term; individual rates vary based upon creditworthiness
As Low As; Lowest possible rate for each term; individual rates vary based upon creditworthiness
As Low As; Lowest possible rate for each term; individual rates vary based upon creditworthiness
As Low As; Model Years: 2018-2026
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; Models between 2-6 years old
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.89%▼ from 5.39%
- Sep 17, 20265.39%first recorded
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.89%▼ from 5.39%
- Sep 17, 20265.39%first recorded
As Low As; Model Year: 2022 - 2023
As Low As; Model Year: 2024, 2025, 2026 Vehicles; Payment per $1,000 borrowed: $22.98 (not a rate)
As Low As; Rates as of November 1, 2026
As Low As; Rates as of November 1, 2026
As Low As; Mileage less than 30k
- Oct 28, 20264.95%▲ from 4.60%
- Oct 12, 20264.60%first recorded
New Vehicle Loans (2025-2027); New Purchase Rate Only; Rates as of 10/1/2026
New Purchase Rate Only; Rates as of 10/1/2026
As Low As; Model Year: Current year model and 3 previous years
As Low As; Rates effective September 11th, 2026
As Low As; Used APR* As Low As column
As Low As
Published APR range: 4.99% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
Published APR range: 4.99% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
APR range: 4.99%-7.49%; Conditions apply, terms may be limited by loan amount, credit history and other factors
Published APR range: 4.99%-7.49%.
Model Year 2026-2024; Financing $30,000 or more
Model Year 2021 - Older
APR range: 4.99% - 11.49%
As Low As; Used Vehicles; up to 60 months; APR is the Annual Percentage Rate
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
As Low As; New & Used: Used; Model Year: 2-6 Model Year
Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; Rates are APR; Rates based on credit score; exact rate quoted at time of approval
As Low As; Auto Loans (Vehicle Loans)
As Low As; Rates effective as of September 1, 2026
As Low As; Model Year: 2024, 2025, 2026 Vehicles
As Low As; Model Year: 2022 - 2019
- Oct 9, 20265.00%▲ from 4.99%
- Sep 21, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Tier: A plus; Transunion Credit Score: 750 plus; Terms: 60-months/100% retail value
Tier: A plus; Transunion Credit Score: 750 plus; Terms: 60-months/Black Book
As Low As; New (2025 or Newer)
As Low As; New (2025 or Newer)
APR range: 5.00% - 18.00%; Subject to credit approval
As Low As; Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 120% of NADA Retail Value. All loans based on creditworthiness. Your actual rate may be higher.
APR range: 5.00% to 8.25%; Current or Prior Year - less than 10,000 miles
- Oct 13, 20265.00%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; 3 model years & older
As Low As; 3 model years & older
Lowest possible rate for term; rates vary by creditworthiness
As Low As; Lowest possible rate for each term; individual rates vary based upon creditworthiness
Lowest possible rate for term; individual rates vary by creditworthiness
Lowest possible rate for term; individual rates vary by creditworthiness
Lowest possible rate for term; individual rates vary by creditworthiness
As Low As
As Low As; Model Year: 2021, 2022, 2023 Vehicles; Rates effective as of: October 23, 2026
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As
- Oct 28, 20265.10%▲ from 4.70%
- Oct 12, 20264.70%first recorded
As Low As; Mileage less than 30k
- Oct 28, 20265.10%▲ from 4.70%
- Oct 12, 20264.70%first recorded
Madison New Auto Auto Loan Rates
As Low As; Fixed Rate
- Oct 9, 20264.65%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
$20,000; As Low As; Fixed Rate; Finance $20,000 or more
As Low As; Fixed Rate
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
$20,000; As Low As; Fixed Rate; Finance amounts of $20,000 or more
As Low As; Fixed Rate
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
As Low As; Fixed Rate
- Oct 9, 20264.99%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
- Nov 7, 20265.10%▲ from 5.00%
- Oct 12, 20265.00%first recorded
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
- Nov 7, 20265.65%▲ from 5.50%
- Oct 12, 20265.50%first recorded
As Low As; Rates from 5.70% APR for 84 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $50,000, maximum loan $150,000; example loan $50,000 for 84 months at $721.11/month
As Low As; Rates as low as; APR based on creditworthiness, loan amount, model year, and term
$28,000; As Low As; Fixed Rate; Finance $28,000 or more
$28,000; As Low As; Fixed Rate; Finance amounts of $28,000 or more
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
- Nov 7, 20266.15%▲ from 6.00%
- Oct 12, 20266.00%first recorded
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
Credit Score: 730+; Collateral Value: 100% LTV
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner)
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner)
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner); New Vehicles less than $10,000.00 will be financed no longer than 60 Months
As Low As; Up to one model year old; Effective as of Nov 1, 2026
As Low As; APR range 3.25%-13.00%; Restrictions: 100% Financing
As Low As; Annual Percentage Rate
Credit Score: 730+; Collateral Value: 100% LTV
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner)
As Low As; APR range 3.50%-14.00%
Credit Score: 730+; Collateral Value: 100% LTV
As Low As; Vehicles no older than 3 years with less than 30,000 miles (with only 1 previous owner)
As Low As; APR range 3.75%-15.00%
As Low As; Rates effective September 11th, 2026
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20263.99%▲ from 3.74%
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Annual Percentage Rate
Model Year 2026-2024
Credit Score: 730+; Collateral Value: 100% LTV
Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; Vehicle must be New, no miles and cost more than $25,001.00
As Low As; APR range 4.00%-16.00%
As Low As; Rates effective September 11th, 2026
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.14%▼ from 4.64%
- Sep 17, 20264.64%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New & Used: New; Model Year: Current and prior year
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.39%▼ from 4.89%
- Sep 17, 20264.89%first recorded
As Low As; Rates effective September 11th, 2026
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; APR range 4.49% - 5.49%; Vehicles loan
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20264.49%▲ from 4.24%
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Published APR range: 4.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
As Low As; APR range 4.49% - 5.49%
Model Year 2026-2024; Financing $20,000 or more
Model Year 2023-2022
As Low As; APR range 4.50% - 21.95%
- Oct 2, 20264.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Term: 6.5 Years (78 months); Credit Score: 730+; Collateral Value: 100% LTV
Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; Vehicle Loan; Current year + 2 previous years
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
Published APR range: 4.50%-6.75%.
As Low As; Current or up to 2 yrs. old; Includes Passenger, Custom, Cargo Vans, Pickups; Maximum Loan Amount: MSRP; All loans based on creditworthiness
Lowest; Current & prior 2 model years
As Low As; APR range 4.50%-7.75%; Restrictions: 90% Financing
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Featured rate; A lower credit score may cause a higher loan rate; APR based on credit worthiness, loan amount, current mileage, term and loan to value
As Low As; Current or up to 2 yrs. old; Includes Passenger, Custom, Cargo Vans, Pickups; Maximum Loan Amount: MSRP; All loans based on creditworthiness
As Low As; APR* (As low as); Rates may vary
- Nov 3, 20264.64%▲ from 4.49%
- Sep 21, 20264.49%first recorded
As Low As; Rates as of November 1, 2026
As Low As; Rates effective September 11th, 2026
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20264.74%▲ from 4.49%
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
New and Used Auto Loans; Rates vary based on credit and loan term
Credit Score: 729-680; Collateral Value: 100% LTV
New Vehicle Loans (2025-2027); New Purchase Rate Only; Rates as of 10/1/2026
New Purchase Rate Only; Rates as of 10/1/2026
Published APR range: 4.75%-7.00%.
As Low As; Subject to Credit Approval
As Low As; Subject to Credit Approval
As Low As; Subject to Credit Approval
Current & prior 2 model years
As Low As; Current or up to 2 yrs. old; Includes Passenger, Custom, Cargo Vans, Pickups; Maximum Loan Amount: MSRP; All loans based on creditworthiness
Lowest possible rate for term; rates vary by creditworthiness
Lowest possible rate for term; rates vary by creditworthiness
Lowest possible rate for term; rates vary by creditworthiness
As Low As; Lowest possible rate for each term; individual rates vary based upon creditworthiness
As Low As; Lowest possible rate for each term; individual rates vary based upon creditworthiness
As Low As; Lowest possible rate for each term; individual rates vary based upon creditworthiness
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Up to one model year old; Effective as of Nov 1, 2026
- Nov 7, 20264.89%▼ from 5.39%
- Sep 17, 20265.39%first recorded
As Low As; Rates as of November 1, 2026
As Low As; Mileage less than 30k
- Oct 28, 20264.95%▲ from 4.60%
- Oct 12, 20264.60%first recorded
New Vehicle Loans (2025-2027); New Purchase Rate Only; Rates as of 10/1/2026
New Purchase Rate Only; Rates as of 10/1/2026
As Low As; Model Year: Current year model and 3 previous years
As Low As; Rates effective September 11th, 2026
As Low As; Used APR* As Low As column
As Low As
Published APR range: 4.99% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
APR range: 4.99%-7.49%; Conditions apply, terms may be limited by loan amount, credit history and other factors
Published APR range: 4.99%-7.49%.
Model Year 2026-2024; Financing $30,000 or more
Model Year 2021 - Older
APR range: 4.99% - 11.49%
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
Credit Score: 729-680; Collateral Value: 100% LTV
As Low As; Rates effective as of September 1, 2026
Tier: A plus; Transunion Credit Score: 750 plus; Terms: 60-months/100% retail value
APR range: 5.00% to 8.25%; Current or Prior Year - less than 10,000 miles
- Oct 13, 20265.00%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Lowest possible rate for term; rates vary by creditworthiness
As Low As; Lowest possible rate for each term; individual rates vary based upon creditworthiness
As Low As
As Low As
- Oct 28, 20265.10%▲ from 4.70%
- Oct 12, 20264.70%first recorded
As Low As; Mileage less than 30k
- Oct 28, 20265.10%▲ from 4.70%
- Oct 12, 20264.70%first recorded
Madison Used Auto Auto Loan Rates
As Low As; Fixed Rate
- Oct 9, 20264.65%▲ from 4.50%
- Sep 14, 20264.50%first recorded
$20,000; As Low As; Fixed Rate; Finance amounts of $20,000 or more
As Low As; Fixed Rate
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
As Low As; Fixed Rate
- Oct 9, 20264.99%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Vehicle: Used Vehicle 2020-2027; Footnote b: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years
- Nov 7, 20265.35%▲ from 5.25%
- Oct 12, 20265.25%first recorded
As Low As; Vehicle: Used Vehicle 2020-2027; Footnote b: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years
- Nov 7, 20265.90%▲ from 5.75%
- Oct 12, 20265.75%first recorded
$28,000; As Low As; Fixed Rate; Finance amounts of $28,000 or more
As Low As; Rates from 6.05% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $25,000 for 72 months at $412.42/month; eligible model years 2023-2026
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Vehicle: Used Vehicle 2016-2019
- Nov 7, 20266.10%▲ from 6.00%
- Oct 12, 20266.00%first recorded
As Low As; Vehicle: Used Vehicle 2020-2027; Footnote b: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years
- Nov 7, 20266.40%▲ from 6.25%
- Oct 12, 20266.25%first recorded
As Low As; Vehicle: Used Vehicle 2016-2019
- Nov 7, 20266.65%▲ from 6.50%
- Oct 12, 20266.50%first recorded
As Low As; Vehicle: Used Vehicle 2016-2019
- Nov 7, 20267.15%▲ from 7.00%
- Oct 12, 20267.00%first recorded
As Low As; Vehicle: Used Vehicle 2015 or older
- Nov 7, 20268.10%▲ from 8.00%
- Oct 12, 20268.00%first recorded
As Low As; Vehicle: Used Vehicle 2015 or older
- Nov 7, 20268.65%▲ from 8.50%
- Oct 12, 20268.50%first recorded
As Low As; Vehicle: Used Vehicle 2015 or older
- Nov 7, 20269.15%▲ from 9.00%
- Oct 12, 20269.00%first recorded
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
Grade: Platinum; Collateral Value: 100% LTV
As Low As; APR range 3.50%-14.00%; Restrictions: NADA Retail Value Maximum
As Low As; Rates effective September 11th, 2026
Grade: Platinum; Collateral Value: 100% LTV
As Low As; APR range 3.75%-15.00%
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20263.99%▲ from 3.74%
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Annual Percentage Rate
Model Year 2026-2024
As Low As; APR range 4.00%-16.00%
As Low As; Rates effective September 11th, 2026
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.29%▼ from 4.79%
- Sep 17, 20264.79%first recorded
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.39%▼ from 4.89%
- Sep 17, 20264.89%first recorded
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20264.49%▲ from 4.24%
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Published APR range: 4.49% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
Model Year 2026-2024; Financing $20,000 or more
Model Year 2023-2022
As Low As; APR range 4.50% - 21.95%
- Oct 2, 20264.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
As Low As; Rates effective as of September 1, 2026
As Low As; Rates effective as of September 1, 2026
Published APR range: 4.50%-6.75%.
Lowest; Current & prior 2 model years
As Low As; Rates effective September 11th, 2026
As Low As; Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 120% of NADA Retail Value. All loans based on creditworthiness. Your actual rate may be higher.
As Low As; Membership required with minimum share/savings balance of $25.00; Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR
- Nov 7, 20264.74%▲ from 4.49%
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
Published APR range: 4.75%-7.00%.
As Low As; Subject to Credit Approval
As Low As; Subject to Credit Approval
As Low As; Subject to Credit Approval
Current & prior 2 model years
As Low As; Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 120% of NADA Retail Value. All loans based on creditworthiness. Your actual rate may be higher.
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
As Low As; Models between 2-6 years old
As Low As; Effective as of Nov 1, 2026; Vehicle must be 10 model years old or newer; Minimum Loan Amount $15,000
- Nov 7, 20264.89%▼ from 5.39%
- Sep 17, 20265.39%first recorded
As Low As; Rates as of November 1, 2026
As Low As; Mileage less than 30k
- Oct 28, 20264.95%▲ from 4.60%
- Oct 12, 20264.60%first recorded
As Low As; Model Year: Current year model and 3 previous years
Published APR range: 4.99% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
Published APR range: 4.99% - 17.49%. APR range; actual rate based on credit history, loan term and year of vehicle
APR range: 4.99%-7.49%; Conditions apply, terms may be limited by loan amount, credit history and other factors
Published APR range: 4.99%-7.49%.
Model Year 2026-2024; Financing $30,000 or more
Model Year 2021 - Older
As Low As; Used Vehicles; up to 60 months; APR is the Annual Percentage Rate
As Low As; Rates and terms subject to change; offer good with approved credit for loans new to All In CU
As Low As; New & Used: Used; Model Year: 2-6 Model Year
As Low As; Rates effective as of September 1, 2026
Tier: A plus; Transunion Credit Score: 750 plus; Terms: 60-months/Black Book
As Low As; Includes Passenger, Custom/Cargo Vans, Pickups. Models listed currently at NADA. Maximum Loan Amount: 120% of NADA Retail Value. All loans based on creditworthiness. Your actual rate may be higher.
As Low As; 3 model years & older
As Low As; 3 model years & older
Lowest possible rate for term; individual rates vary by creditworthiness
Lowest possible rate for term; individual rates vary by creditworthiness
Lowest possible rate for term; individual rates vary by creditworthiness
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As
- Oct 28, 20265.10%▲ from 4.70%
- Oct 12, 20264.70%first recorded
As Low As; Mileage less than 30k
- Oct 28, 20265.10%▲ from 4.70%
- Oct 12, 20264.70%first recorded
Madison, AL Auto Loan Rate Trends
Compare local Madison, AL 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.
Alabama new auto rates fell 0.026 points over the past 7 days to 5.306% APR.
Alabama used auto rates fell 0.043 points over the past 7 days to 5.833% APR.
Madison, AL 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 Alabama figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Alabama APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.31% APR AL average | Used Auto @ 5.83% APR AL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.17/mo | $288.83/mo | $3.66/mo |
| $25,000 | $475.29/mo | $481.38/mo | $6.09/mo |
| $35,000 | $665.40/mo | $673.93/mo | $8.53/mo |
| $45,000 | $855.52/mo | $866.49/mo | $10.97/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 Madison, Alabama
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Madison, Alabama locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Alabama. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Madison, Alabama 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: Madison, Alabama CD rates lock in a guaranteed return until you’re ready to buy
Madison, Alabama Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 9.8% of the median individual income in Madison, Alabama. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Madison, Alabama, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Madison, Alabama. We’ve prefilled the APR with today’s AL new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Madison, Alabama 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 Madison, Alabama 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 Madison, Alabama. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Madison, Alabama
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Madison, Alabama
What are auto loan rates in Madison, Alabama today?
How does my credit score affect my car loan rate in Madison, Alabama?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Madison, Alabama?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Madison, Alabama?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Madison, Alabama?
- North Alabama Educators Credit Union: 4.65% (New or Used Vehicle 2022 or newer Loan)
- Alabama Credit Union: 4.74% (Auto Loan - New & Up to 5 Years Old)
- Redstone Federal Credit Union: 5.10% (Auto Loan - New Vehicle 2024-2027)
- SouthState Bank: 5.23% (New Car Loan)
- Family Security Credit Union: 5.34% (Automobiles, Boats, Travel Trailers, Farm Equipment - 36 Months or less)
Madison, Alabama Rates & Resources
