Denver, Colorado Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Denver, Colorado auto loan rates range from 3.79% to 13.75% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Denver, Colorado include SouthState BankSouthState Bank1331 17th St, Denver, CO, 80202A+5.0 ★Texas Ratio: 2.27%Rate verified Nov 5, 2026 offering New Car Loan at 5.23%, First Technology Federal Credit UnionFirst Technology Federal Credit Union6971 E Belleview Ave, Denver, CO, 80237Rate verified Nov 9, 2026 offering New Auto Loan - 2025 and Newer Models - 65 months at 5.24%, Colorado Credit UnionColorado Credit Union2001 Lincoln St Ste 100, Denver, CO, 80202 3802A+5.0 ★Texas Ratio: 3.06%Rate verified Nov 9, 2026 offering Automobiles at 5.24%, Columbine Federal Credit UnionColumbine Federal Credit Union850 E Harvard Ave Ste G 45, Denver, CO, 80210A5.0 ★Texas Ratio: 8.82%Rate verified Nov 7, 2026 offering New Auto Loan at 5.49%, Bank of AmericaBank of America100 Fillmore St, Denver, CO, 80206A+5.0 ★Texas Ratio: 4.14%Rate verified Nov 5, 2026 offering New Car (dealer) Auto Loan at 5.64%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Denver has 13 local institutions in our database, with auto loan rates as low as 5.23% APR from SouthState Bank at 1331 17th St, Denver, CO, 80202. 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 Denver, Colorado. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Denver, Colorado & Surrounding Area
Denver Auto Loan Rates
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; Loan Amount (min/max): $1,000 / $300,000
As Low As; Loan Amount (min/max): $1,000 / $300,000
As Low As; Loan amount example: $15,000; Payment example: $350.06; APR = Annual Percentage Rate; rates effective as of 10/01/2026 dependent on term and credit history
- Oct 10, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Effective date 11/1/2026
- Nov 7, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Effective date 11/1/2026
- Nov 7, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
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; Loan Amount (min/max): $5,000 / $300,000
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Any age of vehicle; Purchased from a dealer or private party; up to 130% of NADA Retail Value
- Nov 8, 20265.74%▲ from 5.14%
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Any amount financed; for 66 months or less with LTV 80% or less and automatic payment discount; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Requires LTV 80% or less and automatic payment discount; Loans less than $25,000 may have terms up to 75 months; loans over $25,000 may have terms up to 84 months; rates are APRs, effective 11-04-2026
As Low As; Model Years: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Rate adjustments for extended terms and vehicle loan to value (LTV) apply; Used vehicle loans model years 2016 and newer, over $25,000, may have terms up to 84 months; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Best Rate APR; Effective Date: November 1, 2026
- Nov 3, 20265.99%▲ from 5.74%
- Oct 9, 20265.74%▲ from 5.59%
- Sep 14, 20265.59%first recorded
Effective Date: November 1, 2026; Best Rate APR
- Nov 3, 20265.99%▲ from 5.74%
- Oct 13, 20265.74%first recorded
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%
Term: Fixed Rate up to 72 months; As Low As; Fixed Rate up to 72 months; Minimum loan amount $2,000; Maximum loan-to-value 80% for commercial vehicles, 100% for business-use passenger cars, pick-up trucks, vans, SUVs not part of fleet vehicles
- Nov 8, 20266.25%▼ from 6.75%
- Oct 13, 20266.75%▼ from 8.00%
- Sep 14, 20268.00%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
As Low As; Vehicle Loans; Rates as of 11/01/2026
- Nov 3, 20266.74%▲ from 6.24%
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Vehicle Loans; Rates as of 11/01/2026
- Nov 3, 20266.79%▲ from 6.29%
- Oct 9, 20266.29%▲ from 5.79%
- Sep 14, 20265.79%first recorded
As Low As; Vehicle Loans; Rates as of 11/01/2026
- Nov 3, 20266.84%▲ from 6.34%
- Oct 9, 20266.34%▲ from 5.84%
- Sep 14, 20265.84%first recorded
Best Rate APR; Effective Date: November 1, 2026
- Nov 3, 20266.99%▲ from 6.74%
- Oct 9, 20266.74%▲ from 6.59%
- Sep 14, 20266.59%first recorded
Effective Date: November 1, 2026; Best Rate APR
- Nov 3, 20266.99%▲ from 6.74%
- Oct 13, 20266.74%first recorded
As Low As; Rates as low as (APR)
As Low As; Loan Amount (min/max): $20,000 / $300,000
As Low As; Loan Amount (min/max): $20,000 / $300,000
Model Year: 2015 or Older; Rates are adjusted based on Loan to Value (LTV)
Best Rate APR; Effective Date: November 1, 2026
- Nov 3, 202611.75%▲ from 11.50%
- Oct 9, 202611.50%▲ from 11.35%
- Sep 14, 202611.35%first recorded
Best Rate APR; Effective Date: November 1, 2026
- Nov 3, 202612.25%▲ from 12.00%
- Oct 9, 202612.00%▲ from 11.85%
- Sep 14, 202611.85%first recorded
Best Rate APR; Effective Date: November 1, 2026
- Nov 3, 202612.75%▲ from 12.50%
- Oct 9, 202612.50%▲ from 12.35%
- Sep 14, 202612.35%first recorded
Best Rate APR; Effective Date: November 1, 2026
- Nov 3, 202613.75%▲ from 13.50%
- Oct 9, 202613.50%▲ from 13.35%
- Sep 14, 202613.35%first recorded
As Low As; Holiday Loan Specials; Effective November 01, 2026-January 15, 2027; must be 3 years old or less and 36K miles or less
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; Holiday Loan Specials; Effective November 01, 2026-January 15, 2027; must be 3 years old or less and 36K miles or less
- Nov 7, 20263.99%▼ from 4.89%
- Sep 14, 20264.89%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
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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; 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
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
- Oct 23, 20264.55%▲ from 4.18%
- Oct 15, 20264.18%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; 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; Lowest auto loan rate is available for existing members only
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
As Low As; Max. Amount: 100%, including taxes and insurance
- Nov 7, 20264.74%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Vehicle Loans; Rates effective as of February 2026; Rate based on credit worthiness and term of loan
As Low As; Model Year: New 2023 & Newer; Rate Adjusts with Term
As Low As; Model Year: New: 2023 & Newer; Rate Adjusts with Term; Term is determined according to underwriting guidelines
As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value
- Oct 23, 20264.99%▲ from 2.89%
- Oct 15, 20262.89%▼ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As
As Low As; Model Year: 2021 & Older
As Low As; Model Year: 2022-2023
As Low As; Model Year: 2024-2025
As Low As; Model Year: 2026-2027
APR range: 4.99% - 17.99%
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Model Year: 2023-2026; APR range: 4.99% - 16.74%; Rate may vary based on credit history, term, miles and other qualifications
Base Rate; Loan Rates effective Saturday, November 7, 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; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Years: 2023-2026; Rate Range: 5.19%-21.00%; Terms longer than 63 months require a minimum finance amount
- Oct 26, 20265.19%▲ from 5.15%
- Sep 14, 20265.15%first recorded
APR range: 5.24% - 17.99%
As Low As
- Nov 3, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
As Low As
- Nov 3, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Longer terms available
- Oct 5, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
New and used cars/trucks only; Special requirements apply: credit score of 700 plus; no late payments with Credit Union, or 30 days past due within 365 days; no bankruptcy in the last 3 years; 72 months for 2022-2025 vehicles; term based on year of vehicle
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.25%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Model Year: 2026-2024; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
Year: 2020 - Older; Credit Tier: A; Max 100%
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Rate Effective Date: October 1, 2026
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
As Low As; Model Years: 2016-2019; Rate Range: 5.40%-21.00%; Terms longer than 63 months require a minimum finance amount
As Low As; Model Years: 2020-2022; Rate Range: 5.44%-21.00%; Terms longer than 63 months require a minimum finance amount
- Oct 26, 20265.44%▲ from 5.40%
- Sep 14, 20265.40%first recorded
As Low As; Rate Effective Date: October 1, 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, 20265.49%▲ from 5.24%
- Oct 8, 20265.24%▲ from 4.99%
- Sep 20, 20264.99%first recorded
APR range: 5.49% - 17.99%
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027
As Low As; Model Years 2023 - 2027
Model Year: 2020-2022; APR range: 5.49% - 17.24%; Rate may vary based on credit history, term, miles and other qualifications
APR = Annual Percentage Rate; rates are our best rates, may be higher depending on credit history and underwriting; accurate as of October 1, 2026
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
APR = Annual Percentage Rate; rates are our best rates, may be higher depending on credit history and underwriting; accurate as of October 1, 2026
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
As Low As; Loans starting at 5.49% APR; Terms up to 84 months; Membership required; subject to credit approval
- Nov 5, 20265.49%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Published APR range: 5.49% - 17.99%. APR range; As Low As; Current Auto Loan Rates effective October 1, 2026
As Low As; Model Year: 2018 - Older; APR rate adjusts with term
As Low As; Model Year: 2019 - 2021; APR rate adjusts with term
As Low As; Model Year: 2022 - 2025; APR rate adjusts with term
As Low As; Model Year: New; APR rate adjusts with term
As Low As; Model Year: Used 2022 - 2019; Rate Adjusts with Term
As Low As; Model Year: Used: 2022 - 2019; Rate Adjusts with Term; Term is determined according to underwriting guidelines
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
As Low As; Rate Effective Date: October 1, 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; Rate Effective Date: October 1, 2026
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
As Low As; Terms up to 84 months
As Low As; Desde 5.64% APR
As Low As; Rate Effective Date: October 1, 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; Rate Effective Date: October 1, 2026
APR range: 5.74% - 17.99%
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
Model Year: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
Year: 2020 - Older; Credit Tier: A; Max 100%
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
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
As Low As; Rate Effective Date: October 1, 2026
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
Minimum loan for 75 month term is $15,000
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
As Low As; Rate Effective Date: October 1, 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, 20265.99%▲ from 5.74%
- Oct 8, 20265.74%▲ from 5.49%
- Sep 20, 20265.49%first recorded
APR range: 5.99% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
As Low As; Model years less than 2023
As Low As; Model years less than 2023
As Low As; Model years less than 2023
Model Year: 2017-2019; APR range: 5.99% - 17.74%; Rate may vary based on credit history, term, miles and other qualifications
Base Rate; Loan Rates effective Saturday, November 7, 2026
As Low As; Model years less than 2023
As Low As; Model Year: Used 2018 & Older; Rate Adjusts with Term
As Low As; Model Year: Used: 2018 & Older; Rate Adjusts with Term; Term is determined according to underwriting guidelines
Model Year: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
Year: 2020 - Older; Credit Tier: B; Max 100%
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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
Auto loan; APR*
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Model Years 2023 - 2027
- Nov 8, 20266.49%▲ from 5.99%
- Oct 13, 20265.99%first recorded
Model Year: 2016 and Older; APR range: 6.49% - 18.24%; Rate may vary based on credit history, term, miles and other qualifications
All other collateral; same special requirements apply: credit score of 700 plus; no late payments with Credit Union, or 30 days past due within 365 days; no bankruptcy in the last 3 years; term based on year of vehicle
As Low As; Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes; Model Year: New - 2026 - 2025
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
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, 20266.74%▲ from 6.49%
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
Year: 2020 - Older; Credit Tier: B; Max 100%
Minimum loan for 84 month term is $25,000
Model Year: 2025 - 2027; Rates listed also require an automatic transfer for monthly payments
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Model years less than 2023
- Nov 8, 20266.99%▲ from 6.49%
- Oct 26, 20266.49%first recorded
Loan limit not stated for this row
Base Rate
Model Year: 2024 - 2023; Rates listed also require an automatic transfer for monthly payments
84 Month Term Option; Model Year: 2025 - 2027; Rates listed also require an automatic transfer for monthly payments
Model Year: 2022 - 2021; Rates listed also require an automatic transfer for monthly payments
As Low As; 80% financing available
- Nov 7, 20267.25%▼ from 7.38%
- Oct 23, 20267.38%first recorded
As Low As; Previous model year and up to 10 years old: 80% financing available
- Nov 7, 20267.25%▼ from 7.38%
- Oct 23, 20267.38%first recorded
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
84 Month Term Option; Model Year: 2022 - 2021; Rates listed also require an automatic transfer for monthly payments
Model Year: 2020 - 2018; Rates listed also require an automatic transfer for monthly payments
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
APR range: 7.49% - 16.99%
84 Month Term Option; Model Year: 2024 - 2023; Rates listed also require an automatic transfer for monthly payments
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); 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); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Published rate range: 7.875%-8.125%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
As Low As; 80% financing available
- Nov 7, 20267.88%▼ from 8.00%
- Oct 23, 20268.00%first recorded
As Low As; Previous model year and up to 10 years old: 80% financing available
- Nov 7, 20267.88%▼ from 8.00%
- Oct 23, 20268.00%first recorded
APR range: 7.99% - 17.49%
APR range: 7.99% - 18.24%
As Low As; 80% financing available
- Nov 7, 20268.00%▼ from 8.25%
- Oct 23, 20268.25%first recorded
As Low As; Previous model year and up to 10 years old: 80% financing available
- Nov 7, 20268.00%▼ from 8.25%
- Oct 23, 20268.25%first recorded
Denver New Auto Auto Loan Rates
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; Loan Amount (min/max): $1,000 / $300,000
Effective date 11/1/2026
- Nov 7, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
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; Loan Amount (min/max): $5,000 / $300,000
As Low As; Any age of vehicle; Purchased from a dealer or private party; up to 130% of NADA Retail Value
- Nov 8, 20265.74%▲ from 5.14%
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Requires LTV 80% or less and automatic payment discount; Loans less than $25,000 may have terms up to 75 months; loans over $25,000 may have terms up to 84 months; rates are APRs, effective 11-04-2026
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
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; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
As Low As; Rates as low as (APR)
As Low As; Loan Amount (min/max): $20,000 / $300,000
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; 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
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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; 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
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
- Oct 23, 20264.55%▲ from 4.18%
- Oct 15, 20264.18%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; 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; Lowest auto loan rate is available for existing members only
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
As Low As; Max. Amount: 100%, including taxes and insurance
- Nov 7, 20264.74%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Model Year: New 2023 & Newer; Rate Adjusts with Term
As Low As; Model Year: New: 2023 & Newer; Rate Adjusts with Term; Term is determined according to underwriting guidelines
As Low As; 72 month term rates begin at 6.59%; Financing available up to 100% of value
- Oct 23, 20264.99%▲ from 2.89%
- Oct 15, 20262.89%▼ from 4.99%
- Sep 16, 20264.99%first recorded
APR range: 4.99% - 17.99%
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Base Rate; Loan Rates effective Saturday, November 7, 2026
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
APR range: 5.24% - 17.99%
As Low As
- Nov 3, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Longer terms available
- Oct 5, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.25%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Model Year: 2026-2024; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; Rate Effective Date: October 1, 2026
As Low As; Rate Effective Date: October 1, 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, 20265.49%▲ from 5.24%
- Oct 8, 20265.24%▲ from 4.99%
- Sep 20, 20264.99%first recorded
APR range: 5.49% - 17.99%
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027
As Low As; Model Years 2023 - 2027
APR = Annual Percentage Rate; rates are our best rates, may be higher depending on credit history and underwriting; accurate as of October 1, 2026
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Published APR range: 5.49% - 17.99%. APR range; As Low As; Current Auto Loan Rates effective October 1, 2026
As Low As; Model Year: New; APR rate adjusts with term
As Low As; Rate Effective Date: October 1, 2026
As Low As; Terms up to 84 months
As Low As; Desde 5.64% APR
As Low As; Rate Effective Date: October 1, 2026
APR range: 5.74% - 17.99%
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
Model Year: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Model Year: 2026-2024; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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
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
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Electric, plug-in hybrid, or hybrid vehicles
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, 20265.99%▲ from 5.74%
- Oct 8, 20265.74%▲ from 5.49%
- Sep 20, 20265.49%first recorded
APR range: 5.99% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
Model Year: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
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
Auto loan; APR*
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Model Years 2023 - 2027
- Nov 8, 20266.49%▲ from 5.99%
- Oct 13, 20265.99%first recorded
As Low As; Vehicle Rates: Cars, Trucks, SUVs, Motorcycles, Motor Homes; Model Year: New - 2026 - 2025
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, 20266.74%▲ from 6.49%
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
As Low As; Max. Amount: 100%, including taxes and insurance
Loan limit not stated for this row
As Low As; 80% financing available
- Nov 7, 20267.25%▼ from 7.38%
- Oct 23, 20267.38%first recorded
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); 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); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Published rate range: 7.875%-8.125%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
As Low As; 80% financing available
- Nov 7, 20267.88%▼ from 8.00%
- Oct 23, 20268.00%first recorded
As Low As; 80% financing available
- Nov 7, 20268.00%▼ from 8.25%
- Oct 23, 20268.25%first recorded
Denver Used Auto Auto Loan Rates
As Low As; Loan Amount (min/max): $1,000 / $300,000
Effective date 11/1/2026
- Nov 7, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Loan Amount (min/max): $5,000 / $300,000
As Low As; Any age of vehicle; Purchased from a dealer or private party; up to 130% of NADA Retail Value
- Nov 8, 20265.74%▲ from 5.14%
- Oct 9, 20265.14%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Model Years: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Rate adjustments for extended terms and vehicle loan to value (LTV) apply; Used vehicle loans model years 2016 and newer, over $25,000, may have terms up to 84 months; Effective 10-06-2026
- Oct 5, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
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%
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
As Low As; Rates as low as (APR)
As Low As; Loan Amount (min/max): $20,000 / $300,000
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; 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
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
- Oct 23, 20264.55%▲ from 4.18%
- Oct 15, 20264.18%first recorded
As Low As; Lowest auto loan rate is available for existing members only
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
As Low As; Max. Amount: 100%, including taxes and insurance
- Nov 7, 20264.74%▼ from 5.49%
- Sep 14, 20265.49%first recorded
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20264.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As
APR range: 4.99% - 17.99%
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; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
APR range: 5.24% - 17.99%
As Low As
- Nov 3, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Longer terms available
- Oct 5, 20265.24%▲ from 4.99%
- Sep 18, 20264.99%first recorded
Model Year: 2023-2021; Max 100% A Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.25%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Year: 2020 - Older; Credit Tier: A; Max 100%
As Low As; Available rate based on credit history, model year, mileage, and loan term; vehicles from the current or two previous model years with mileage <=25,000 qualify for new car rates
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, 20265.49%▲ from 5.24%
- Oct 8, 20265.24%▲ from 4.99%
- Sep 20, 20264.99%first recorded
APR range: 5.49% - 17.99%
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.49%▲ from 4.99%
- Sep 22, 20264.99%first recorded
As Low As; Model Years 2023 - 2027
As Low As; Model Years 2023 - 2027
APR = Annual Percentage Rate; rates are our best rates, may be higher depending on credit history and underwriting; accurate as of October 1, 2026
- Oct 9, 20265.49%▲ from 5.26%
- Sep 14, 20265.26%first recorded
Published APR range: 5.49% - 17.99%. APR range; As Low As; Current Auto Loan Rates effective October 1, 2026
As Low As; Model Year: Used 2022 - 2019; Rate Adjusts with Term
As Low As; Model Year: Used: 2022 - 2019; Rate Adjusts with Term; Term is determined according to underwriting guidelines
As Low As; Rate Effective Date: October 1, 2026; Available only for cars up to 3 years old
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; Rate Effective Date: October 1, 2026
As Low As; Terms up to 84 months
As Low As; Desde 5.64% APR
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; Rate Effective Date: October 1, 2026
APR range: 5.74% - 17.99%
As Low As; Model Years 2023 - 2027
- Oct 13, 20265.74%▼ from 5.99%
- Sep 22, 20265.99%first recorded
Model Year: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
- Sep 18, 20265.75%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Year: 2020 - Older; Credit Tier: A; Max 100%
As Low As; Rate Effective Date: October 1, 2026
Minimum loan for 75 month term is $15,000
As Low As; Rate Effective Date: October 1, 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, 20265.99%▲ from 5.74%
- Oct 8, 20265.74%▲ from 5.49%
- Sep 20, 20265.49%first recorded
APR range: 5.99% - 17.99%
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
As Low As; Model years less than 2023
As Low As; Model years less than 2023
As Low As; Model years less than 2023
Base Rate; Loan Rates effective Saturday, November 7, 2026
As Low As; Model years less than 2023
As Low As; Model Year: Used 2018 & Older; Rate Adjusts with Term
As Low As; Model Year: Used: 2018 & Older; Rate Adjusts with Term; Term is determined according to underwriting guidelines
Model Year: 2023-2021; Max 100% B Credit Tier; APR is Annual Percentage Rate; Rates based on Risk Base Lending
Year: 2020 - Older; Credit Tier: B; Max 100%
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Loan Amount: $3,000 to $125,000 up to 110% Loan-to-Value; Rates include 2.00% discount for automatic loan payments; Used vehicles: over 10,000 miles or model year 2023 or older; Maximum age 8 years old
As Low As; Model Years 2023 - 2027
- Nov 8, 20266.49%▲ from 5.99%
- Oct 13, 20265.99%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, 20266.74%▲ from 6.49%
- Oct 8, 20266.49%▲ from 6.24%
- Sep 20, 20266.24%first recorded
Year: 2020 - Older; Credit Tier: B; Max 100%
Minimum loan for 84 month term is $25,000
As Low As; Max. Amount: 100%, including taxes and insurance
As Low As; Model years less than 2023
- Nov 8, 20266.99%▲ from 6.49%
- Oct 26, 20266.49%first recorded
Base Rate
As Low As; Previous model year and up to 10 years old: 80% financing available
- Nov 7, 20267.25%▼ from 7.38%
- Oct 23, 20267.38%first recorded
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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Published rate range: 7.875%-8.125%. Model Years: Any model year; Equity band: 20% - Equity - 0%; Rate shown as a range; All other collateral 1% higher
As Low As; Previous model year and up to 10 years old: 80% financing available
- Nov 7, 20267.88%▼ from 8.00%
- Oct 23, 20268.00%first recorded
As Low As; Previous model year and up to 10 years old: 80% financing available
- Nov 7, 20268.00%▼ from 8.25%
- Oct 23, 20268.25%first recorded
Denver, CO Auto Loan Rate Trends
Compare local Denver, CO 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.
Colorado new auto rates rose 0.092 points over the past 7 days to 5.601% APR.
Colorado used auto rates rose 0.069 points over the past 7 days to 5.912% APR.
Denver, CO 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 Colorado 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 Colorado 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 @ 5.60% APR CO average | Used Auto @ 5.91% APR CO average | Monthly Difference |
|---|---|---|---|
| $15,000 | $287.21/mo | $289.38/mo | $2.17/mo |
| $25,000 | $478.69/mo | $482.30/mo | $3.61/mo |
| $35,000 | $670.17/mo | $675.22/mo | $5.06/mo |
| $45,000 | $861.64/mo | $868.14/mo | $6.50/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 Denver, Colorado
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Denver, Colorado 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 Colorado. 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 Denver, Colorado 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: Denver, Colorado CD rates lock in a guaranteed return until you’re ready to buy
Denver, Colorado Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $574 monthly car payment works out to roughly 11.9% of the median individual income in Denver, Colorado. 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 Denver, Colorado, 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 Denver, Colorado. We’ve prefilled the APR with today’s CO 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 Denver, Colorado 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 Denver, Colorado 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 Denver, Colorado. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in CO.
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 Denver, Colorado
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 Denver, Colorado
What are auto loan rates in Denver, Colorado today?
How does my credit score affect my car loan rate in Denver, Colorado?
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 Denver, Colorado?
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 Denver, Colorado?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Denver, Colorado?
- SouthState Bank: 5.23% (New Car Loan)
- First Technology Federal Credit Union: 5.24% (New Auto Loan - 2025 and Newer Models - 65 months)
- Colorado Credit Union: 5.24% (Automobiles)
- Columbine Federal Credit Union: 5.49% (New Auto Loan)
- Bank of America: 5.64% (New Car (dealer) Auto Loan)
Denver, Colorado Rates & Resources
