Rockville, Maryland Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Rockville, Maryland auto loan rates range from 2.49% to 10.19% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Rockville, Maryland include Navy Federal Credit UnionNavy Federal Credit Union12244 Rockville Pike, Rockville, MD, 20852A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, SkyPoint Federal Credit UnionSkyPoint Federal Credit Union20 COURTHOUSE SQ Ste 101, ROCKVILLE, MD, 20850A5.0 ★Texas Ratio: 9.36%Rate verified Nov 7, 2026 offering New Auto Loan at 4.34%, NASA Federal Credit UnionNASA Federal Credit Union1592B Rockville Pike Unit B, Rockville, MD, 20852 1602A+5.0 ★Texas Ratio: 3.54%Rate verified Nov 5, 2026 offering Auto Loan - Up to 36 Months at 4.94%, Lafayette Federal Credit UnionLafayette Federal Credit Union2701 Tower Oaks Blvd, Rockville, MD, 20852A5.0 ★Texas Ratio: 7.96%Rate verified Nov 7, 2026 offering New Auto Loan at 5.00%, Northwest Federal Credit UnionNorthwest Federal Credit Union1807 Rockville Pike, Rockville, MD, 20852A+5.0 ★Texas Ratio: 2.12%Rate verified Nov 7, 2026 offering Special Auto Loan - New 2026-2027 at 5.19%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Rockville has 8 local institutions in our database, with auto loan rates as low as 4.19% APR from Navy Federal Credit Union at 12244 Rockville Pike, Rockville, MD, 20852. 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 Rockville, Maryland. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Rockville, Maryland & Surrounding Area
Rockville Auto Loan Rates
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
APR includes 0.25% automatic transfer discount
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
APR includes 0.25% automatic transfer discount
APR includes 0.25% automatic transfer discount
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
Minimum $25,000 loan amount; APR includes 0.25% automatic transfer discount
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; Loan Amount: $5,000-$125,000
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Max LTV: 80%; Minimum Loan Amount: $5,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
Minimum $25,000 loan amount
As Low As; Model Year: 2025; Minimum Loan Amount: $5,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
As Low As; Model Year: 2024; Minimum Loan Amount: $5,000
As Low As; Model Year: 2023; Minimum Loan Amount: $5,000
As Low As; Model Year: 2026-2027; Minimum Loan Amount: $5,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
Classic Vehicle Loans; APR is lowest rate for qualified members, reflects 0.25% discount for Direct Deposit and automatic debit from a Lafayette Federal checking account; loan-to-value 70%; vehicles over 20 model years old
Lafayette FCU featured rate from the rate comparison widget (Source: Datatrac, dated 11/5/2026); APR shown only
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
As Low As; Loan Amount: $10,000-$125,000
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; Refinance eligibility applies (see footnote)
As Low As
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; 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; Model Year: 2022; Minimum Loan Amount: $5,000
As Low As; Max LTV: 80%; Minimum Loan Amount: $8,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000
Minimum $25,000 loan amount; APR includes 0.25% automatic transfer discount
Classic Vehicle Loans; APR is lowest rate for qualified members, reflects 0.25% discount for Direct Deposit and automatic debit from a Lafayette Federal checking account; loan-to-value 70%; vehicles over 20 model years old
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; Max LTV: 90%; Minimum Loan Amount: $8,000
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; Refinance eligibility applies (see footnote)
As Low As
As Low As; Model Year: 2024; Minimum Loan Amount: $8,000
As Low As; Model Year: 2025; Minimum Loan Amount: $8,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000
As Low As; Model Year: 2023; Minimum Loan Amount: $8,000
As Low As; Model Year: 2026-2027; Minimum Loan Amount: $8,000
As Low As; Max LTV: 80%; Minimum Loan Amount: $10,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000
Classic Vehicle Loans; APR is lowest rate for qualified members, reflects 0.25% discount for Direct Deposit and automatic debit from a Lafayette Federal checking account; loan-to-value 70%; vehicles over 20 model years old
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; Model Year: 2025; Minimum Loan Amount: $10,000
As Low As; Refinance eligibility applies (see footnote)
As Low As
As Low As; Includes 0.25% automatic transfer discount
As Low As; Includes 0.25% discount for automatic transfer payments
As Low As; Model Year: 2022; Minimum Loan Amount: $8,000
As Low As; Model Year: 2024; Minimum Loan Amount: $10,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000
Minimum $25,000 loan amount
Classic Vehicle Loans; APR is lowest rate for qualified members, reflects 0.25% discount for Direct Deposit and automatic debit from a Lafayette Federal checking account; loan-to-value 70%; vehicles over 20 model years old
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; $25,000 minimum loan amount required for 73 to 84 months; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; $25,000 minimum loan amount required for 73 to 84 months; rates effective November 1, 2026
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Year: 2026-2027; Minimum Loan Amount: $10,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
As Low As; Minimum $25,000 loan amount; Refinance eligibility applies (see footnote)
As Low As; Minimum $25,000 loan amount
As Low As; Includes 0.25% automatic transfer discount
As Low As; Includes 0.25% discount for automatic transfer payments
As Low As; Loan Amount: $15,000-$125,000
As Low As; Model Year: 2023; Minimum Loan Amount: $10,000
As Low As; Max LTV: 80%; Minimum Loan Amount: $20,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $5,000
Down Payment: 0%
As Low As; Model Year: 2022; Minimum Loan Amount: $10,000
As Low As; Includes 0.25% automatic transfer discount
As Low As; Includes 0.25% discount for automatic transfer payments
As Low As; Max LTV: 90%; Minimum Loan Amount: $20,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $20,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000
As Low As; Minimum $30,000 loan amount; Refinance eligibility applies (see footnote)
As Low As; Minimum $30,000 loan amount
As Low As; Minimum $25,000 loan amount; Includes 0.25% automatic transfer discount
As Low As; Minimum $25,000 loan amount; Includes 0.25% discount for automatic transfer payments
As Low As; Model Year: 2024; Minimum Loan Amount: $20,000
As Low As; Model Year: 2025; Minimum Loan Amount: $20,000
As Low As; Model Year: 2026-2027; Minimum Loan Amount: $20,000
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $8,000
All car loans over $70,000.00 add 3/4 to the rate
As Low As; Loan Amount: $20,000-$125,000
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; Max LTV: 90%; Minimum Loan Amount: $10,000
Down Payment: 0%
As Low As; Minimum $30,000 loan amount; Includes 0.25% automatic transfer discount
As Low As; Minimum $30,000 loan amount; Includes 0.25% discount for automatic transfer 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; Model Year: 2017-2019; Minimum Loan Amount: $5,000
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $10,000
As Low As; Model Year: 2026-2027; Minimum Loan Amount: $40,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000
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
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $20,000
All car loans over $70,000.00 add 3/4 to the rate
As Low As; Model Year: 2017-2019; Minimum Loan Amount: $8,000
Classic or Restoration vehicle loan rates (vehicles over 20 model years old); APR is lowest rate for qualified members and includes 0.25% discount for Direct Deposit and automatic debit from Lafayette Federal checking; actual rate may be higher based on income, credit worthiness, and loan to value; effective as of November 1, 2026
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $20,000
Classic or Restoration vehicle loan rates (vehicles over 20 model years old); APR is lowest rate for qualified members and includes 0.25% discount for Direct Deposit and automatic debit from Lafayette Federal checking; actual rate may be higher based on income, credit worthiness, and loan to value; effective as of November 1, 2026
As Low As; Model Year: 2017-2019; Minimum Loan Amount: $10,000
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $20,000
Classic or Restoration vehicle loan rates (vehicles over 20 model years old); APR is lowest rate for qualified members and includes 0.25% discount for Direct Deposit and automatic debit from Lafayette Federal checking; actual rate may be higher based on income, credit worthiness, and loan to value; effective as of November 1, 2026
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $30,000 minimum amount financed
As Low As; Model Year: 2026-2027; Minimum Loan Amount: $40,000
As Low As; Rates effective as of September 1, 2026
As Low As
Effective 10/1/2026; Amount Down: 50% or more
Amount Down: 50% or more; Model Year: 2027/2026 New Auto
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Effective 10/1/2026; Amount Down: 50% or more
Amount Down: 25%-49%; Model Year: 2027/2026 New; Effective 10/1/2026
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
- Oct 23, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
As Low As; CPFCU will finance based on credit and retail value of the vehicle.
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.49%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Effective 10/1/2026; Amount Down: 50% or more
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
- Oct 23, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
- Oct 23, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; Cars, Trucks, Motorcycles; Type: New 2025-2026
As Low As; Cars, Trucks, Motorcycles; Type: Used 2024-2025
Effective 10/1/2026; Amount Down: 50% or more
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
- Oct 23, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; with Relationship Rewards
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; Auto Loans
As Low As; 0% down; To purchase 2025, 2026 or 2027 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Minimum rate 3.99%
Loan rates are tier-based; listed rates are the minimum offered
As Low As; *APR as low as; New auto loan; Minimum amount to borrow is $5,000; Rates quoted assume excellent borrower credit history
As Low As; Used auto loan; Rates quoted assume excellent borrower credit
As Low As; APR% (as low as)
- Oct 19, 20263.99%▼ from 6.49%
- Oct 14, 20266.49%first recorded
As Low As; Cars, Trucks, Motorcycles; Type: New 2025-2026
As Low As; Cars, Trucks, Motorcycles; Type: Used 2024-2025
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
- Oct 23, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Loan rates effective Jan 1, 2026
As Low As; New Vehicles
As Low As; Auto Loans
As Low As; 0% down; To purchase 2025, 2026 or 2027 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Minimum rate 3.99%
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Minimum Financing of $15,000 for 72 Months
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Model Year: 2025 - 2026; Loan Type: Fixed
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Cars, Trucks, Motorcycles; Type: New 2025-2026
Rockville New Auto Auto Loan Rates
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
APR includes 0.25% automatic transfer discount
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
APR includes 0.25% automatic transfer discount
APR includes 0.25% automatic transfer discount
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
Minimum $25,000 loan amount; APR includes 0.25% automatic transfer discount
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
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
As Low As; Max LTV: 80%; Minimum Loan Amount: $5,000
Lafayette FCU featured rate from the rate comparison widget (Source: Datatrac, dated 11/5/2026); APR shown only
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
As Low As; Refinance eligibility applies (see footnote)
As Low As
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; Max LTV: 80%; Minimum Loan Amount: $8,000
Minimum $25,000 loan amount; APR includes 0.25% automatic transfer discount
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; Refinance eligibility applies (see footnote)
As Low As
As Low As; Max LTV: 80%; Minimum Loan Amount: $10,000
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; Refinance eligibility applies (see footnote)
As Low As
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; $25,000 minimum loan amount required for 73 to 84 months; rates effective November 1, 2026
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Minimum $25,000 loan amount; Refinance eligibility applies (see footnote)
As Low As; Minimum $25,000 loan amount
As Low As; Max LTV: 80%; Minimum Loan Amount: $20,000
Down Payment: 0%
As Low As; Minimum $30,000 loan amount; Refinance eligibility applies (see footnote)
As Low As; Minimum $30,000 loan amount
Down Payment: 0%
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
As Low As; Rates effective as of September 1, 2026
Effective 10/1/2026; Amount Down: 50% or more
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Effective 10/1/2026; Amount Down: 50% or more
Amount Down: 25%-49%; Model Year: 2027/2026 New; Effective 10/1/2026
As Low As; CPFCU will finance based on credit and retail value of the vehicle.
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
Effective 10/1/2026; Amount Down: 50% or more
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; Cars, Trucks, Motorcycles; Type: New 2025-2026
Effective 10/1/2026; Amount Down: 50% or more
As Low As; Auto Loans
As Low As; 0% down; To purchase 2025, 2026 or 2027 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Minimum rate 3.99%
Loan rates are tier-based; listed rates are the minimum offered
As Low As; *APR as low as; New auto loan; Minimum amount to borrow is $5,000; Rates quoted assume excellent borrower credit history
As Low As; Cars, Trucks, Motorcycles; Type: New 2025-2026
Loan rates effective Jan 1, 2026
As Low As; New Vehicles
As Low As; Auto Loans
As Low As; 0% down; To purchase 2025, 2026 or 2027 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Minimum rate 3.99%
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Model Year: 2025 - 2026; Loan Type: Fixed
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Cars, Trucks, Motorcycles; Type: New 2025-2026
Rockville Used Auto Auto Loan Rates
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 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; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
Minimum $25,000 loan amount
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $5,000
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 1, 2026
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; rates effective November 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; 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; Max LTV: 90%; Minimum Loan Amount: $8,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000
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; Max LTV: 90%; Minimum Loan Amount: $10,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000
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; Includes 0.25% automatic transfer discount
As Low As; Includes 0.25% discount for automatic transfer payments
As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000
Minimum $25,000 loan amount
Stated APR for qualified members; includes 0.25% direct deposit/automatic debit discount; $25,000 minimum loan amount required for 73 to 84 months; rates effective November 1, 2026
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; Max LTV: 90%; Minimum Loan Amount: $5,000
As Low As; Includes 0.25% automatic transfer discount
As Low As; Includes 0.25% discount for automatic transfer payments
As Low As; Max LTV: 90%; Minimum Loan Amount: $10,000
As Low As; Includes 0.25% automatic transfer discount
As Low As; Includes 0.25% discount for automatic transfer payments
As Low As; Max LTV: 90%; Minimum Loan Amount: $20,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $20,000
As Low As; Max LTV: 90%; Minimum Loan Amount: $8,000
As Low As; Minimum $25,000 loan amount; Includes 0.25% automatic transfer discount
As Low As; Minimum $25,000 loan amount; Includes 0.25% discount for automatic transfer payments
All car loans over $70,000.00 add 3/4 to the rate
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; Max LTV: 90%; Minimum Loan Amount: $10,000
As Low As; Minimum $30,000 loan amount; Includes 0.25% automatic transfer discount
As Low As; Minimum $30,000 loan amount; Includes 0.25% discount for automatic transfer 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; Max LTV: 90%; Minimum Loan Amount: $10,000
All car loans over $70,000.00 add 3/4 to the rate
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Rates shown include 0.25% automatic payment discount and additional 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate; rates effective as of 10/22/2026
- Oct 23, 20263.74%▲ from 3.49%
- Sep 12, 20263.49%first recorded
As Low As; Cars, Trucks, Motorcycles; Type: Used 2024-2025
As Low As; Auto Loans
Loan rates are tier-based; listed rates are the minimum offered
As Low As; Used auto loan; Rates quoted assume excellent borrower credit
As Low As; Cars, Trucks, Motorcycles; Type: Used 2024-2025
Loan rates effective Jan 1, 2026
As Low As; Auto Loans
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Minimum Financing of $15,000 for 72 Months
Up to 135% of Car Value
Up to 135% of Car Value
Rockville, MD Auto Loan Rate Trends
Compare local Rockville, MD 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.
Maryland new auto rates rose 0.015 points over the past 7 days to 5.382% APR.
Maryland used auto rates fell 0.022 points over the past 7 days to 5.825% APR.
Rockville, MD 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 Maryland 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 Maryland 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 @ 5.38% APR MD average | Used Auto @ 5.83% APR MD average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.70/mo | $288.78/mo | $3.08/mo |
| $25,000 | $476.17/mo | $481.29/mo | $5.13/mo |
| $35,000 | $666.63/mo | $673.81/mo | $7.18/mo |
| $45,000 | $857.10/mo | $866.33/mo | $9.23/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 Rockville, Maryland
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Rockville, Maryland 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 Maryland. 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 Rockville, Maryland 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: Rockville, Maryland CD rates lock in a guaranteed return until you’re ready to buy
Rockville, Maryland Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 9.9% of the median individual income in Rockville, Maryland. 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 Rockville, Maryland, 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 Rockville, Maryland. We’ve prefilled the APR with today’s MD 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 Rockville, Maryland 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 Rockville, Maryland 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 Rockville, Maryland. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MD.
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 Rockville, Maryland
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 Rockville, Maryland
What are auto loan rates in Rockville, Maryland today?
How does my credit score affect my car loan rate in Rockville, Maryland?
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 Rockville, Maryland?
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 Rockville, Maryland?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Rockville, Maryland?
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- SkyPoint Federal Credit Union: 4.34% (New Auto Loan)
- NASA Federal Credit Union: 4.94% (Auto Loan - Up to 36 Months)
- Lafayette Federal Credit Union: 5.00% (New Auto Loan)
- Northwest Federal Credit Union: 5.19% (Special Auto Loan - New 2026-2027)
Rockville, Maryland Rates & Resources
