Lafayette, Louisiana Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Lafayette, Louisiana auto loan rates range from 3.00% to 17.49% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Lafayette, Louisiana include 705 Federal Credit Union705 Federal Credit Union1455 W Willow St, Lafayette, LA, 70506 1026B+4.8 ★Texas Ratio: 17.13%Rate verified Nov 7, 2026 offering New Auto Loans at 4.00%, Pelican State Credit UnionPelican State Credit Union1600 N Bertrand Dr, Lafayette, LA, 70506 2130A5.0 ★Texas Ratio: 12.93%Rate verified Nov 8, 2026 offering New Auto Loans at 4.14%, CUSA Federal Credit UnionCUSA Federal Credit Union200 Beaullieu Dr, Lafayette, LA, 70508A5.0 ★Texas Ratio: 6.76%Rate verified Nov 7, 2026 offering New Vehicle Loan - Up to 60 months at 4.25%, Maple Federal Credit UnionMaple Federal Credit Union105 Toledo Dr, Lafayette, LA, 70506A+5.0 ★Texas Ratio: 4.23%Rate verified Nov 7, 2026 offering Vehicle Loan at 4.49%, Meritus Federal Credit UnionMeritus Federal Credit Union515 Guilbeau Rd, Lafayette, LA, 70506 6089A+5.0 ★Texas Ratio: 3.36%Rate verified Nov 7, 2026 offering New Auto Loans - up to 60 months at 4.99%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Lafayette has 10 local institutions in our database, with auto loan rates as low as 4.00% APR from 705 Federal Credit Union at 1455 W Willow St, Lafayette, LA, 70506 1026. 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 Lafayette, Louisiana. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Lafayette, Louisiana & Surrounding Area
Lafayette Auto Loan Rates
Credit Grade: A+; New vehicle (1 year old or less, under 30,000 miles)
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
New Vehicle Loan Rates by Term; APR*: Rate based on creditworthiness and term of loan. Rate includes a .25 Discount for Automatic Payment.
Credit Grade: A+; New vehicle (1 year old or less, under 30,000 miles)
Range: 4.49-11.35%; Max Amount: listed; Recreational/Utility includes jet skis, ATV's, off-road motorcycles, motored carts, utility trailers, lawn and tractor equipment; Loan rates subject to change without prior notice
Range: 4.49-12.85%; Max Amount: listed; Recreational/Utility includes jet skis, ATV's, off-road motorcycles, motored carts, utility trailers, lawn and tractor equipment; Loan rates subject to change without prior notice
Credit Grade: A; New vehicle (1 year old or less, under 30,000 miles)
- Sep 17, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Credit Grade: A+; New vehicle (1 year old or less, under 30,000 miles)
- Sep 17, 20264.50%▼ from 5.00%
- Sep 14, 20265.00%first recorded
New Vehicle Loan Rates by Term; APR*: Rate based on creditworthiness and term of loan. Rate includes a .25 Discount for Automatic Payment.
Credit Grade: A; New vehicle (1 year old or less, under 30,000 miles)
Credit Rating: A+; Vehicle Age: 1 to 5 years old
As Low As; Financing up to 115%
As Low As
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
Credit Grade: A; New vehicle (1 year old or less, under 30,000 miles)
Credit Rating: A+; Vehicle Age: 1 to 5 years old
- Oct 1, 20265.05%▲ from 4.83%
- Sep 18, 20264.83%first recorded
As Low As; Financing up to 115%; Minimum loan amount $15,000
New Vehicle Loan Rates by Term; APR*: Rate based on creditworthiness and term of loan. Rate includes a .25 Discount for Automatic Payment.
Rate based on creditworthiness and term of loan
Credit Rating: A; Vehicle Age: 1 to 5 years old
- Oct 5, 20265.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
As Low As
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
- Oct 1, 20265.49%▲ from 5.17%
- Sep 14, 20265.17%first recorded
Credit Grade: B; New vehicle (1 year old or less, under 30,000 miles)
Credit Rating: A; Vehicle Age: 1 to 5 years old
- Oct 5, 20265.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
Credit Grade: A+
- Sep 21, 20265.50%▼ from 6.00%
- Sep 18, 20266.00%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
As Low As; Financing up to 115%; Payment per $1000 not captured
As Low As; Financing: up to 115%
- Oct 23, 20265.74%▼ from 5.99%
- Sep 14, 20265.99%first recorded
New Vehicle Loan Rates by Term; APR*: Rate based on creditworthiness and term of loan. Rate includes a .25 Discount for Automatic Payment.
Rate based on creditworthiness and term of loan
Credit Grade: B; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: A+
- Sep 21, 20265.75%▼ from 7.00%
- Sep 18, 20267.00%first recorded
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
Credit Grade: B; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: A+; Loan Application Fee of $30.00
Credit Grade: A
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
- Oct 23, 20266.04%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
- Oct 23, 20266.04%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.04%▲ from 5.64%
- Sep 17, 20265.64%first recorded
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.04%▲ from 5.64%
- Sep 17, 20265.64%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
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; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.19%▲ from 5.79%
- Sep 17, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.24%▲ from 5.84%
- Sep 17, 20265.84%▲ from 5.59%
- Sep 14, 20265.59%first recorded
As Low As
As Low As
Rate based on creditworthiness and term of loan
Credit Rating: B; Vehicle Age: 1 to 5 years old
- Oct 5, 20266.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Credit Grade: A+; Loan Application Fee of $30.00
Credit Grade: A
- Sep 21, 20266.25%▼ from 7.00%
- Sep 18, 20267.00%first recorded
- Oct 1, 20266.25%▲ from 5.91%
- Sep 18, 20265.91%first recorded
As Low As; Loan Documentation Fee: $75
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.39%▲ from 5.99%
- Sep 17, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Beginning APR; 72-month term only available for vehicles over $15000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
72-month term only available for vehicles over $15000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.44%▲ from 6.04%
- Sep 17, 20266.04%▲ from 5.79%
- Sep 14, 20265.79%first recorded
As Low As; Minimum loan $15,000; Financing up to 115%
As Low As; Financing: up to 115%; Minimum loan amount: $15,000
As Low As
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
Credit Rating: B; Vehicle Age: 1 to 5 years old
- Oct 5, 20266.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
Credit Grade: A; Loan Application Fee of $30.00
- Oct 13, 20266.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
Beginning APR; 78-month term only available for vehicles over $15000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
78-month term only available for vehicles over $15000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.63%▲ from 6.23%
- Sep 17, 20266.23%▲ from 5.98%
- Sep 14, 20265.98%first recorded
Beginning APR; 84-month term only available for vehicles over $35000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
84-month term only available for vehicles over $35000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.69%▲ from 6.29%
- Sep 17, 20266.29%▲ from 6.04%
- Sep 14, 20266.04%first recorded
As Low As; Financing up to 115%; Minimum loan amount $25,000
Credit Grade: A; Loan Application Fee of $30.00
- Oct 13, 20266.75%▲ from 6.25%
- Sep 18, 20266.25%first recorded
- Oct 1, 20266.85%▲ from 6.50%
- Sep 18, 20266.50%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
Rating: A; Score: 730; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Rating: A; Score: 730; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: B
- Sep 21, 20267.00%▲ from 6.00%
- Sep 18, 20266.00%first recorded
As Low As; Minimum loan $25,000; Financing up to 115%
As Low As; Financing: up to 115%; Minimum loan amount: $25,000
- Oct 23, 20267.24%▼ from 7.74%
- Sep 14, 20267.74%first recorded
Credit Grade: B
- Sep 21, 20267.25%▲ from 7.00%
- Sep 18, 20267.00%first recorded
Rating: A; Score: 680-729; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Rating: A; Score: 680-729; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: C; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: B; Loan Application Fee of $30.00
- Oct 13, 20267.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: C; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: B; Loan Application Fee of $30.00
- Oct 13, 20267.75%▲ from 6.25%
- Sep 18, 20266.25%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
$50,000.00; Rating: A; Score: 730; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: C; New vehicle (1 year old or less, under 30,000 miles)
Credit Rating: C; Vehicle Age: 1 to 5 years old
- Oct 5, 20268.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Rating: B; Score: 640-679; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
$50,000.00; Rating: A; Score: 680-729; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Rating: B; Score: 640-679; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Rating: C; Vehicle Age: 1 to 5 years old
- Oct 5, 20268.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
Credit Grade: C
- Sep 21, 20269.00%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: C
- Sep 21, 20269.25%▲ from 7.00%
- Sep 18, 20267.00%first recorded
$50,000.00; Rating: B; Score: 640-679; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: D; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: C; Loan Application Fee of $30.00
- Oct 13, 20269.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: D; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: C; Loan Application Fee of $30.00
- Oct 13, 20269.75%▲ from 6.25%
- Sep 18, 20266.25%first recorded
Credit Grade: D; New vehicle (1 year old or less, under 30,000 miles)
Credit Rating: D; Vehicle Age: 1 to 5 years old
- Oct 5, 202610.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Rating: C; Score: 600-639; Loan to Value: 90% LTV; Auto loan, New and Used Auto section
Rating: C; Score: 600-639; Loan to Value: 90% LTV; Auto loan, New and Used Auto section
Credit Rating: D; Vehicle Age: 1 to 5 years old
- Oct 5, 202610.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
Credit Grade: D
- Sep 21, 202611.00%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: D
- Sep 21, 202611.25%▲ from 7.00%
- Sep 18, 20267.00%first recorded
$50,000.00; Rating: C; Score: 600-639; Loan to Value: 90% LTV; Auto loan, New and Used Auto section
Credit Grade: D; Loan Application Fee of $30.00
- Oct 13, 202611.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: D; Loan Application Fee of $30.00
- Oct 13, 202611.75%▲ from 6.25%
- Sep 18, 20266.25%first recorded
Rating: D; Score: 550-599; Loan to Value: 85% LTV; Auto loan, New and Used Auto section
Rating: D; Score: 550-599; Loan to Value: 85% LTV; Auto loan, New and Used Auto section
$50,000.00; Rating: D; Score: 550-599; Loan to Value: 85% LTV; Auto loan, New and Used Auto section
Rating: E; Score: 549 or less; Loan to Value: 85% LTV; Auto loan, New and Used Auto section; New vehicle rates also apply to program vehicles
Rating: E; Score: 549 or less; Loan to Value: 85% LTV; Auto loan, New and Used Auto section
Credit Grade: E; New vehicle (1 year old or less, under 30,000 miles); E Credit Score can finance up to $30,000
- Sep 17, 202617.00%▲ from 9.50%
- Sep 14, 20269.50%first recorded
Credit Grade: E; New vehicle (1 year old or less, under 30,000 miles); E Credit Score can finance up to $30,000
- Sep 17, 202617.00%▲ from 9.75%
- Sep 14, 20269.75%first recorded
Credit Grade: E; Loan Application Fee of $30.00
- Oct 13, 202617.00%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: E; Loan Application Fee of $30.00
- Oct 13, 202617.00%▲ from 6.25%
- Sep 18, 20266.25%first recorded
$50,000.00; Rating: E; Score: 549 or less; Loan to Value: 85% LTV; Auto loan, New and Used Auto section; New vehicle rates also apply to program vehicles
Refinance options available
Published APR range: 3.75-16.15%. Vehicles 1 or 2 years old with less than 40,000 miles may be financed at new car rate
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; APR*; rate based on creditworthiness and term of loan; rates for a limited time only
As Low As; Vehicle Loans (New, Used, & Refinanced); Effective Date: November 2, 2026
- Nov 3, 20263.99%▲ from 3.50%
- Sep 21, 20263.50%first recorded
As Low As; APR varies by term. Terms up to 7 years.
As Low As; APR varies by term. Terms up to 6 years.
Published APR range: 4.00-17.40%. Vehicles 1 or 2 years old with less than 40,000 miles may be financed at new car rate
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
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
Published APR range: 4.25-17.65%. Vehicles 1 or 2 years old with less than 40,000 miles may be financed at new car rate
As Low As; Rate based on creditworthiness and term of loan
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
Published APR range: 4.30% - 11.30%. Rate ranges are based on credit worthiness
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
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; Rates effective August 5, 2026; based on creditworthiness
90% Loan
Maximum Loan Amount: Less than $15,000.00
Paper Grade: A; Credit Score Range: 720+; Min. Amt Fin. for 60 months = $15,000; LTV not to exceed 125% of MSRP (A,B,C paper)
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; Percentage Financing: 90-100%
Published APR range: 4.50% - 11.50%. Rate ranges are based on credit worthiness
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Stated APR includes a .50% Full Direct Deposit discount; Your actual rate may vary and is based on 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
Published APR range: 4.60-17.95%.
APR range: 4.69% to 15.50%; Terms over 72 months for Vehicles valued over $40,000
- Oct 4, 20264.69%▲ from 4.49%
- Sep 12, 20264.49%first recorded
Maximum Loan Amount: $15,000.00-$19,999.99
Published APR range: 4.75-17.95%. Vehicles 1 or 2 years old with less than 40,000 miles may be financed at new car rate
Paper Grade: A; Credit Score Range: 720+; Min. Amt Fin. for 72 months = $25,000; LTV not to exceed 125% of MSRP (A,B,C paper)
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
As Low As; Stated APR includes a .50% Full Direct Deposit discount; Your actual rate may vary and is based on creditworthiness
Grade: A (Credit Score 700+); Auto, Truck, and Motorcycles, Current Year Up to 2 Years Prior Under 15K Miles; 120% LTV finance on new with TTL (unless exception is made)
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; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
As Low As; Model Year: 2025
- Oct 4, 20264.90%▲ from 4.60%
- Sep 14, 20264.60%first recorded
As Low As; Model Year: NEW! 2026
90% Loan
Model Year: 2018 & Older; Same great rate for all approved repo auto loans; Rates are not based on credit score; Vehicles sold "as is"
Published APR range: 4.90-17.95%.
Grade: A (Credit Score 700+); Auto, Truck, and Motorcycles, Current Year Up to 2 Years Prior Under 15K Miles; 120% LTV finance on new with TTL (unless exception is made)
As Low As; Rates effective August 5, 2026; based on creditworthiness
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
As Low As; Vehicle Loans (New, Used, & Refinanced); Effective Date: November 2, 2026
- Nov 3, 20264.99%▲ from 4.50%
- Sep 21, 20264.50%first recorded
Published APR range: 4.99% - 11.99%. Rate ranges are based on credit worthiness
Published APR range: 4.99% - 11.99%. Rate ranges are based on credit worthiness
APR range: 5.00% to 17.15%; rate and term determined by creditworthiness; effective October 20, 2026
APR range: 5.00% to 17.15%; rate and term determined by the credit-worthiness of the applicant
Maximum Loan Amount: $20,000.00-$29,999.99
Lafayette New Auto Auto Loan Rates
Credit Grade: A+; New vehicle (1 year old or less, under 30,000 miles)
As Low As; Loan Documentation Fee: $75
New Vehicle Loan Rates by Term; APR*: Rate based on creditworthiness and term of loan. Rate includes a .25 Discount for Automatic Payment.
Credit Grade: A+; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: A; New vehicle (1 year old or less, under 30,000 miles)
- Sep 17, 20264.50%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Credit Grade: A+; New vehicle (1 year old or less, under 30,000 miles)
- Sep 17, 20264.50%▼ from 5.00%
- Sep 14, 20265.00%first recorded
New Vehicle Loan Rates by Term; APR*: Rate based on creditworthiness and term of loan. Rate includes a .25 Discount for Automatic Payment.
Credit Grade: A; New vehicle (1 year old or less, under 30,000 miles)
As Low As; Financing up to 115%
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
Credit Grade: A; New vehicle (1 year old or less, under 30,000 miles)
As Low As; Financing up to 115%; Minimum loan amount $15,000
New Vehicle Loan Rates by Term; APR*: Rate based on creditworthiness and term of loan. Rate includes a .25 Discount for Automatic Payment.
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
Credit Grade: B; New vehicle (1 year old or less, under 30,000 miles)
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
New Vehicle Loan Rates by Term; APR*: Rate based on creditworthiness and term of loan. Rate includes a .25 Discount for Automatic Payment.
Credit Grade: B; New vehicle (1 year old or less, under 30,000 miles)
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
Credit Grade: B; New vehicle (1 year old or less, under 30,000 miles)
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
- Oct 23, 20266.04%▲ from 5.39%
- Sep 14, 20265.39%first recorded
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
- Oct 23, 20266.04%▲ from 5.39%
- Sep 14, 20265.39%first recorded
As Low As; Loan Documentation Fee: $75
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; Loan Documentation Fee: $75
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
Beginning APR; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
Beginning APR; 72-month term only available for vehicles over $15000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
Beginning APR; 78-month term only available for vehicles over $15000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
Beginning APR; 84-month term only available for vehicles over $35000; Effective Date: October 22, 2026; Requires 0.25% protection package discount (Credit Disability insurance, Auto Pay/Direct Pay/Payroll Allocation, or new Neighbors checking account)
As Low As; Financing up to 115%; Minimum loan amount $25,000
As Low As; Advertised APR assumes excellent credit; New vehicles: 2024 and newer model years with 30,000 or fewer miles
Rating: A; Score: 730; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Rating: A; Score: 680-729; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: C; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: C; New vehicle (1 year old or less, under 30,000 miles)
$50,000.00; Rating: A; Score: 730; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: C; New vehicle (1 year old or less, under 30,000 miles)
Rating: B; Score: 640-679; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
$50,000.00; Rating: A; Score: 680-729; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
$50,000.00; Rating: B; Score: 640-679; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: D; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: D; New vehicle (1 year old or less, under 30,000 miles)
Credit Grade: D; New vehicle (1 year old or less, under 30,000 miles)
Rating: C; Score: 600-639; Loan to Value: 90% LTV; Auto loan, New and Used Auto section
$50,000.00; Rating: C; Score: 600-639; Loan to Value: 90% LTV; Auto loan, New and Used Auto section
Rating: D; Score: 550-599; Loan to Value: 85% LTV; Auto loan, New and Used Auto section
$50,000.00; Rating: D; Score: 550-599; Loan to Value: 85% LTV; Auto loan, New and Used Auto section
Rating: E; Score: 549 or less; Loan to Value: 85% LTV; Auto loan, New and Used Auto section; New vehicle rates also apply to program vehicles
Credit Grade: E; New vehicle (1 year old or less, under 30,000 miles); E Credit Score can finance up to $30,000
- Sep 17, 202617.00%▲ from 9.50%
- Sep 14, 20269.50%first recorded
Credit Grade: E; New vehicle (1 year old or less, under 30,000 miles); E Credit Score can finance up to $30,000
- Sep 17, 202617.00%▲ from 9.75%
- Sep 14, 20269.75%first recorded
$50,000.00; Rating: E; Score: 549 or less; Loan to Value: 85% LTV; Auto loan, New and Used Auto section; New vehicle rates also apply to program vehicles
Refinance options available
Published APR range: 3.75-16.15%. Vehicles 1 or 2 years old with less than 40,000 miles may be financed at new car rate
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; APR*; rate based on creditworthiness and term of loan; rates for a limited time only
As Low As; APR varies by term. Terms up to 7 years.
Published APR range: 4.00-17.40%. Vehicles 1 or 2 years old with less than 40,000 miles may be financed at new car rate
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
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
Published APR range: 4.25-17.65%. Vehicles 1 or 2 years old with less than 40,000 miles may be financed at new car rate
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Actual rates and terms vary based on credit history, loan amount, and collateral.
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
90% Loan
Maximum Loan Amount: Less than $15,000.00
Paper Grade: A; Credit Score Range: 720+; Min. Amt Fin. for 60 months = $15,000; LTV not to exceed 125% of MSRP (A,B,C paper)
As Low As; Limited time offer; New vehicles include 2026/2027 program/demos with less than 25,000 miles; Maximum loan amount $70,000.00; Must have an open Share Account; Up to 15% down payment and tax, title, and license may be required
As Low As; Percentage Financing: 90-100%
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Stated APR includes a .50% Full Direct Deposit discount; Your actual rate may vary and is based on 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
APR range: 4.69% to 15.50%; Terms over 72 months for Vehicles valued over $40,000
- Oct 4, 20264.69%▲ from 4.49%
- Sep 12, 20264.49%first recorded
Maximum Loan Amount: $15,000.00-$19,999.99
Published APR range: 4.75-17.95%. Vehicles 1 or 2 years old with less than 40,000 miles may be financed at new car rate
Paper Grade: A; Credit Score Range: 720+; Min. Amt Fin. for 72 months = $25,000; LTV not to exceed 125% of MSRP (A,B,C paper)
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
As Low As; Stated APR includes a .50% Full Direct Deposit discount; Your actual rate may vary and is based on creditworthiness
Grade: A (Credit Score 700+); Auto, Truck, and Motorcycles, Current Year Up to 2 Years Prior Under 15K Miles; 120% LTV finance on new with TTL (unless exception is made)
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; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
As Low As; Model Year: NEW! 2026
90% Loan
Grade: A (Credit Score 700+); Auto, Truck, and Motorcycles, Current Year Up to 2 Years Prior Under 15K Miles; 120% LTV finance on new with TTL (unless exception is made)
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Maximum Loan Amount: $20,000.00-$29,999.99
Lafayette Used Auto Auto Loan Rates
As Low As; Loan Documentation Fee: $75
Credit Rating: A+; Vehicle Age: 1 to 5 years old
As Low As
Credit Rating: A+; Vehicle Age: 1 to 5 years old
Rate based on creditworthiness and term of loan
Credit Rating: A; Vehicle Age: 1 to 5 years old
- Oct 5, 20265.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
As Low As
Credit Rating: A; Vehicle Age: 1 to 5 years old
- Oct 5, 20265.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
Credit Grade: A+
- Sep 21, 20265.50%▼ from 6.00%
- Sep 18, 20266.00%first recorded
As Low As; Financing up to 115%; Payment per $1000 not captured
As Low As; Financing: up to 115%
- Oct 23, 20265.74%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Rate based on creditworthiness and term of loan
Credit Grade: A+
- Sep 21, 20265.75%▼ from 7.00%
- Sep 18, 20267.00%first recorded
As Low As; Loan Documentation Fee: $75
As Low As; Loan Documentation Fee: $75
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
Credit Grade: A+; Loan Application Fee of $30.00
Credit Grade: A
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.04%▲ from 5.64%
- Sep 17, 20265.64%first recorded
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.04%▲ from 5.64%
- Sep 17, 20265.64%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; Loan Documentation Fee: $75
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; Loan Documentation Fee: $75
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.19%▲ from 5.79%
- Sep 17, 20265.79%▲ from 5.54%
- Sep 14, 20265.54%first recorded
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.24%▲ from 5.84%
- Sep 17, 20265.84%▲ from 5.59%
- Sep 14, 20265.59%first recorded
Rate based on creditworthiness and term of loan
Credit Rating: B; Vehicle Age: 1 to 5 years old
- Oct 5, 20266.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Credit Grade: A+; Loan Application Fee of $30.00
Credit Grade: A
- Sep 21, 20266.25%▼ from 7.00%
- Sep 18, 20267.00%first recorded
As Low As; Loan Documentation Fee: $75
Used auto rates apply to vehicles up to seven model years old; Beginning APR; Payment per $1,000 ignored; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.39%▲ from 5.99%
- Sep 17, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
72-month term only available for vehicles over $15000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.44%▲ from 6.04%
- Sep 17, 20266.04%▲ from 5.79%
- Sep 14, 20265.79%first recorded
As Low As; Minimum loan $15,000; Financing up to 115%
As Low As; Financing: up to 115%; Minimum loan amount: $15,000
As Low As
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
Credit Rating: B; Vehicle Age: 1 to 5 years old
- Oct 5, 20266.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
Credit Grade: A; Loan Application Fee of $30.00
- Oct 13, 20266.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
78-month term only available for vehicles over $15000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.63%▲ from 6.23%
- Sep 17, 20266.23%▲ from 5.98%
- Sep 14, 20265.98%first recorded
84-month term only available for vehicles over $35000; Used auto rates apply to vehicles up to seven model years old; Beginning APR; Effective Date: October 22, 2026; Rates based on 0.25% protection package discount
- Oct 4, 20266.69%▲ from 6.29%
- Sep 17, 20266.29%▲ from 6.04%
- Sep 14, 20266.04%first recorded
Credit Grade: A; Loan Application Fee of $30.00
- Oct 13, 20266.75%▲ from 6.25%
- Sep 18, 20266.25%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
Rating: A; Score: 730; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: B
- Sep 21, 20267.00%▲ from 6.00%
- Sep 18, 20266.00%first recorded
As Low As; Minimum loan $25,000; Financing up to 115%
As Low As; Financing: up to 115%; Minimum loan amount: $25,000
- Oct 23, 20267.24%▼ from 7.74%
- Sep 14, 20267.74%first recorded
Credit Grade: B
- Sep 21, 20267.25%▲ from 7.00%
- Sep 18, 20267.00%first recorded
Rating: A; Score: 680-729; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Grade: B; Loan Application Fee of $30.00
- Oct 13, 20267.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: B; Loan Application Fee of $30.00
- Oct 13, 20267.75%▲ from 6.25%
- Sep 18, 20266.25%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles: 2023 and older model years or any model year with over 30,000 miles
Credit Rating: C; Vehicle Age: 1 to 5 years old
- Oct 5, 20268.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Rating: B; Score: 640-679; Loan to Value: 100% LTV; Auto loan, New and Used Auto section
Credit Rating: C; Vehicle Age: 1 to 5 years old
- Oct 5, 20268.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
Credit Grade: C
- Sep 21, 20269.00%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: C
- Sep 21, 20269.25%▲ from 7.00%
- Sep 18, 20267.00%first recorded
Credit Grade: C; Loan Application Fee of $30.00
- Oct 13, 20269.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: C; Loan Application Fee of $30.00
- Oct 13, 20269.75%▲ from 6.25%
- Sep 18, 20266.25%first recorded
Credit Rating: D; Vehicle Age: 1 to 5 years old
- Oct 5, 202610.25%▲ from 4.75%
- Sep 17, 20264.75%first recorded
Rating: C; Score: 600-639; Loan to Value: 90% LTV; Auto loan, New and Used Auto section
Credit Rating: D; Vehicle Age: 1 to 5 years old
- Oct 5, 202610.50%▲ from 5.00%
- Sep 17, 20265.00%first recorded
Credit Grade: D
- Sep 21, 202611.00%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: D
- Sep 21, 202611.25%▲ from 7.00%
- Sep 18, 20267.00%first recorded
Credit Grade: D; Loan Application Fee of $30.00
- Oct 13, 202611.50%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: D; Loan Application Fee of $30.00
- Oct 13, 202611.75%▲ from 6.25%
- Sep 18, 20266.25%first recorded
Rating: D; Score: 550-599; Loan to Value: 85% LTV; Auto loan, New and Used Auto section
Rating: E; Score: 549 or less; Loan to Value: 85% LTV; Auto loan, New and Used Auto section
Credit Grade: E; Loan Application Fee of $30.00
- Oct 13, 202617.00%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Credit Grade: E; Loan Application Fee of $30.00
- Oct 13, 202617.00%▲ from 6.25%
- Sep 18, 20266.25%first recorded
Refinance options available
As Low As; APR*; rate based on creditworthiness and term of loan; rates for a limited time only
As Low As; APR varies by term. Terms up to 6 years.
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
Published APR range: 4.60-17.95%.
APR range: 4.69% to 15.50%; Terms over 72 months for Vehicles valued over $40,000
- Oct 4, 20264.69%▲ from 4.49%
- Sep 12, 20264.49%first recorded
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
As Low As; Rates include 1.00% APR discount for active direct deposit members; $50 Loan Documentation Fee applies
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
Published APR range: 4.90-17.95%.
Lafayette, LA Auto Loan Rate Trends
Compare local Lafayette, LA 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.
Louisiana new auto loan rates currently average 5.635% APR.
Louisiana used auto rates fell 0.036 points over the past 7 days to 6.061% APR.
Lafayette, LA 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 Louisiana 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 Louisiana 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 @ 5.63% APR LA average | Used Auto @ 6.06% APR LA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $287.45/mo | $290.42/mo | $2.97/mo |
| $25,000 | $479.08/mo | $484.03/mo | $4.95/mo |
| $35,000 | $670.72/mo | $677.65/mo | $6.93/mo |
| $45,000 | $862.35/mo | $871.26/mo | $8.91/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 Lafayette, Louisiana
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Lafayette, Louisiana 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 Louisiana. 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 Lafayette, Louisiana 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: Lafayette, Louisiana CD rates lock in a guaranteed return until you’re ready to buy
Lafayette, Louisiana Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $575 monthly car payment works out to roughly 17.6% of the median individual income in Lafayette, Louisiana. 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 Lafayette, Louisiana, 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 Lafayette, Louisiana. We’ve prefilled the APR with today’s LA 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 Lafayette, Louisiana 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 Lafayette, Louisiana 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 Lafayette, Louisiana. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in LA.
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 Lafayette, Louisiana
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 Lafayette, Louisiana
What are auto loan rates in Lafayette, Louisiana today?
How does my credit score affect my car loan rate in Lafayette, Louisiana?
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 Lafayette, Louisiana?
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 Lafayette, Louisiana?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Lafayette, Louisiana?
- 705 Federal Credit Union: 4.00% (New Auto Loans)
- Pelican State Credit Union: 4.14% (New Auto Loans)
- CUSA Federal Credit Union: 4.25% (New Vehicle Loan - Up to 60 months)
- Maple Federal Credit Union: 4.49% (Vehicle Loan)
- Meritus Federal Credit Union: 4.99% (New Auto Loans - up to 60 months)
Lafayette, Louisiana Rates & Resources
