Blaine, Minnesota Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Blaine, Minnesota auto loan rates range from 3.79% to 7.00% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Blaine, Minnesota include Blaze Credit UnionBlaze Credit Union10 Northtown Dr NE, Blaine, MN, 55434 1033A5.0 ★Texas Ratio: 6.19%Rate verified Nov 9, 2026 offering New Vehicle 2025 & Newer+ Loan at 4.49%, Teamsters Credit Union Blaine, MNTeamsters Credit Union Blaine, MN9422 Ulysses St NE Ste 140, Blaine, MN, 55434 3575A+5.0 ★Texas Ratio: 2.19%Rate verified Nov 8, 2026 offering Vehicle Loans - 2024 or newer at 4.50%, Chase BankChase Bank219 County Road 10 Ne, Blaine, MN, 55434A+5.0 ★Texas Ratio: 3.68%Rate verified Nov 5, 2026 offering Auto Loan - New car purchase at 6.09%, Carpenters Federal Credit UnionCarpenters Federal Credit UnionA+5.0 ★Texas Ratio: 2.61%Rate verified Nov 8, 2026 offering 2022 - 2026 New & Used Vehicles Loan at 3.79%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31%Rate verified Nov 9, 2026 offering Auto Loan at 3.84%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Blaine has 3 local institutions in our database, with auto loan rates as low as 4.49% APR from Blaze Credit Union at 10 Northtown Dr NE, Blaine, MN, 55434 1033. 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 Blaine, Minnesota. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Blaine, Minnesota & Surrounding Area
Blaine Auto Loan Rates
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: 2024 or newer
As Low As; Model Year: 2024 or newer
Vehicle loan; rate table with monthly payment column
Vehicle loan; rate table with monthly payment column
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: 2018 - 2023
As Low As; Model Year: 2024 or newer
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: 2018 - 2023
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: 2017 or older
As Low As; Model Year: 2017 or older
Rates effective as of 8/03/26
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; Model Year: New Auto 2025 & Newer
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments
Model Year: 2025 and newer
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Model Year: 2022 & Newer
Model Year: 2025 and newer
- Sep 18, 20264.25%▼ from 5.50%
- Sep 14, 20265.50%first recorded
Model Year: 2024
- Sep 18, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Untitled collateral: 1% rate increase
As Low As; new or used car auto loan; Auto Loan Rates as low as 4.29% APR* up to 72 months
As Low As; Model Year: 2023 & 2024
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Auto Loan Rates; APR*
Model Year: 2025 & Newer
- Oct 23, 20264.49%▲ from 3.99%
- Sep 21, 20263.99%first recorded
As Low As; Model Year: 2018 & 2019
As Low As; Model Year: 2020 - 2022
APR range: 4.49% - 11.49%; rates based on approved credit
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Models 2020 and Newer; Must qualify for the lowest rate
As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
Model Year: 2022 to New
Model Year: 2022 to New
Model Year: 2025 and newer
- Sep 18, 20264.50%▼ from 4.75%
- Sep 14, 20264.75%first recorded
Model Year: 2024
- Sep 18, 20264.50%▼ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Model Year: 2023 & 2024
As Low As; Model Year: 2025 & Newer
Model year: 2023 & Newer Vehicles; Featured rate
Type: New - No Miles; Add 0.25% for additional year on term (not to exceed 72 months); All rates subject to change based on credit, collateral value, and other qualifying factors
Current or previous year with less than 12,000; Payment: Monthly; APR Type: Fixed
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Type: New - No Miles; Add 0.25% for additional year on term (not to exceed 72 months); All rates subject to change based on credit, collateral value, and other qualifying factors
Model Year: 2024 & Older
- Oct 23, 20264.74%▲ from 4.24%
- Sep 21, 20264.24%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Years: 2021 and Newer; Terms up to 84 months available for an increased rate
As Low As; Model Year: 2018 & 2019
As Low As; Model Year: 2020 - 2022
As Low As; Model Year: 2025 & Newer; Rates reflect 0.50% rate decrease based on Relationship-Based Discount Program
As Low As; Model Year: 2024-2018; APR reflects 0.50% Relationship-Based Discount Program; Pmt per $1K not captured
- Nov 3, 20264.74%▲ from 4.24%
- Oct 19, 20264.24%first recorded
As Low As; New Car & Motorcycle Rates; APR = Annual Percentage Rate; subject to credit evaluation
As Low As; Rates as low as 4.74% APR; new up to 100% financing
As Low As; Rates as low as 4.74% APR; used up to 90% financing
As Low As; Model Year: 2026 Used; APR as low as
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Model Year: 2022 & Newer
Model Year: 2022 to New
As Low As; Effective April 20, 2026
Model Year: 2024
Rates effective as of 8/03/26
Rates effective as of 8/03/26
As Low As; Model Year: 2023 & 2024
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20264.84%▲ from 4.64%
- Sep 22, 20264.64%first recorded
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Model Year: 2018 & 2019
As Low As; Model Year: 2020 - 2022
As Low As; for vehicles age 2016 or newer; with automatic payment plan from Gate City Bank checking account; qualifications include minimum credit score of 760 and LTV of 110% or less
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Years: 2021 and Newer; Terms up to 84 months available for an increased rate
As Low As; Based on Credit (Beacon) Score for Equifax Credit Services
Model Year: 2024 - 2025; Add 0.25% for additional year on term (not to exceed 72 months); All rates subject to change based on credit, collateral value, and other qualifying factors
As Low As; Model Year: 2025 & Newer; Rates reflect 0.50% rate decrease based on Relationship-Based Discount Program
As Low As; Model Year: 2024-2018; APR reflects 0.50% Relationship-Based Discount Program; Pmt per $1K not captured
- Nov 3, 20264.99%▲ from 4.49%
- Oct 19, 20264.49%first recorded
As Low As; New Car & Motorcycle Rates; APR = Annual Percentage Rate; subject to credit evaluation
As Low As; Model Year: 2021 and newer; New or existing membership is required; .25% rate discount with automatic payments
As Low As; Model Year: 2023-Newer
APR range: 4.99% - 11.99%; rates based on approved credit
As Low As; Down Required: ZERO DOWN*; Interest rates and down payment are subject to borrower's credit history
As Low As; Down Required: ZERO DOWN*; Interest rates and down payment are subject to borrower's credit history
As Low As; Model Year: 2026 Used; APR as low as
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Model Year: 2023 and newer; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Current Model Year & Newer; Rates based on final LTV of 75%; Rates effective as of October 26, 2026
As Low As; Model Year 2023+; excellent borrower credit assumed; includes 0.25% Visa discount and 0.25% autopay discount; minimum loan $5,000; effective November 1, 2026
- Nov 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Model Year: 2023 - 2024
As Low As; Model Year: 2021 - 2020
As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments; promo rate for A+ Tier borrowers only, max 80% LTV, collateral age 4 years or newer, max 100,000 miles
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
Model Year: 2022 to New
As Low As; Effective April 20, 2026
As Low As; Model Year: 2023 & 2024
As Low As; Model Year: 2025 & Newer
As Low As; Minimum financing amount: $15,000
As Low As; Based on Credit (Beacon) Score for Equifax Credit Services
As Low As; Some terms require a minimum financing amount.
As Low As; Models 2020 and Newer; Must qualify for the lowest rate
As Low As; Some terms require a minimum financing amount.
As Low As; Model Year: 2023 & 2024
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Model Year: 2023 - 2024
As Low As; Based on Credit (Beacon) Score for Equifax Credit Services
As Low As; Down Required: ZERO DOWN*; Interest rates and down payment are subject to borrower's credit history
As Low As; Terms/Information: 2024 and newer
- Nov 3, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Model Year: 2025 & Newer; Rates reflect 0.50% rate decrease based on Relationship-Based Discount Program
As Low As; Model Year: 2024-2018; APR reflects 0.50% Relationship-Based Discount Program; Pmt per $1K not captured
- Nov 3, 20265.24%▲ from 4.74%
- Oct 19, 20264.74%first recorded
As Low As; New Car & Motorcycle Rates; APR = Annual Percentage Rate; subject to credit evaluation
As Low As; Model Year: 2021 and newer; New or existing membership is required; .25% rate discount with automatic payments
As Low As; Model Year: 2021 and newer; New or existing membership is required; .25% rate discount with automatic payments
As Low As; Model Year: 2021 and newer; New or existing membership is required; Other rates available for used recreational collateral 2020 and older
As Low As; Model Year: 2021 and newer; New or existing membership is required; Other rates available for used recreational collateral 2020 and older
As Low As; Model Year: 2021 and newer; New or existing membership required
As Low As; Model Year: 2021 and newer; New or existing membership required
Credit Grade: A+; Score: 730 & UP; LTV: 100%; Maximum Amount: $100,000
APR range: 5.24% - 12.24%; rates based on approved credit
As Low As; Model Year: 2026 Used; APR as low as
As Low As; Model Year: 2023 & Older; Rates as of September 19, 2026
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Vehicle loan APR
As Low As; Current Model Year & Newer; Rates based on final LTV of 75%; Rates effective as of October 26, 2026
As Low As; Rates effective as of: October 26, 2026; Rates based on final LTV of 75%; Vehicles > 8 years add 2.00% to rate; Mileage adjustments apply
As Low As; Model Year 2022 & Older; Minimum loan amount $5,000
- Nov 5, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2019 - 2017
As Low As; Model Year: 2021 - 2020
As Low As; Model Year: 2022 & Newer
As Low As; Rate based on creditworthiness and term of loan
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
As Low As; 2024 and newer
- Nov 3, 20265.25%▲ from 4.99%
- Oct 13, 20264.99%first recorded
As Low As; Used Vehicle 2016-2022
Model Year: 2021 and Older
Model Year: 2017 or older
As Low As; Untitled collateral: 1% rate increase
As Low As; Based on Credit (Beacon) Score for Equifax Credit Services
As Low As; Down Required: ZERO DOWN*; Interest rates and down payment are subject to borrower's credit history
As Low As; Down Required: ZERO DOWN*; Interest rates and down payment are subject to borrower's credit history
As Low As; Down Required: ZERO DOWN*; Interest rates and down payment are subject to borrower's credit history
As Low As; Models 2022 and Newer; Must qualify for the lowest rate
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2025 & Newer (76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: New Auto 2025 & Newer; Loan terms of 73-84 months require a minimum loan amount of $15,000
Less than 6 years old; Payment: Monthly; APR Type: Fixed
Mileage: less than 7,500 miles; w/ Max Discount APR: 4.89%
As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Model Year: 2023 - 2024
As Low As; 2024 and newer
- Nov 3, 20265.44%▲ from 5.19%
- Oct 13, 20265.19%first recorded
As Low As; Terms/Information: 2024 and newer
- Nov 3, 20265.44%▲ from 5.19%
- Oct 13, 20265.19%first recorded
As Low As; Model Year: 2020 - 2022
As Low As; 2020 - 2023 model years.
- Nov 3, 20265.49%▲ from 5.24%
- Oct 13, 20265.24%first recorded
As Low As; Terms/Information: 2019 - 2023 model year
- Nov 3, 20265.49%▲ from 5.24%
- Oct 13, 20265.24%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Years: 2021 and Newer; Terms up to 84 months available for an increased rate
Model Year: 2021 - 2023; Add 0.25% for additional year on term (not to exceed 72 months); All rates subject to change based on credit, collateral value, and other qualifying factors
As Low As; New Car & Motorcycle Rates; APR = Annual Percentage Rate; subject to credit evaluation
As Low As; Model Year: 2021 and newer; New or existing membership is required; .25% rate discount with automatic payments
As Low As; Model Year: 2021 and newer; New or existing membership is required; Other rates available for used recreational collateral 2020 and older
As Low As; Model Year: 2021 and newer; New or existing membership required
APR range: 5.49% - 12.49%; rates based on approved credit
As Low As; Model Year: 2026 Used; APR as low as
As Low As; Model Year: 2025-2024; Vehicle Loans APR* as low as
- Oct 26, 20265.49%▼ from 5.74%
- Oct 19, 20265.74%▲ from 5.49%
- Oct 9, 20265.49%▲ from 4.99%
- Sep 18, 20264.99%first recorded
As Low As; Model Year: 2023 and newer; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Vehicle loan APR
As Low As; Current Model Year & Newer; Rates based on final LTV of 75%; Rates effective as of October 26, 2026
As Low As; Rates effective as of: October 26, 2026; Rates based on final LTV of 75%; Vehicles > 8 years add 2.00% to rate; Mileage adjustments apply
As Low As; Model Year 2023+; excellent borrower credit assumed; includes 0.25% Visa discount and 0.25% autopay discount; minimum loan $5,000; effective November 1, 2026
- Nov 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Year 2023+; excellent borrower credit assumed; includes 0.25% Visa discount and 0.25% autopay discount; minimum loan $5,000; effective November 1, 2026
- Nov 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Year: 2022 & Newer; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Model Year: 2021; Drive4Less program; 0.25% discount for automatic recurring payments from a TopLine Checking or Savings account
As Low As; Rate based on creditworthiness and term of loan
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.50%▲ from 5.25%
- Sep 18, 20265.25%first recorded
Model Year: 2022 to New
Model Year: 2021 and Older
As Low As; Effective April 20, 2026
As Low As; Effective April 20, 2026
Model Year: 2017 or older
As Low As; Untitled collateral: 1% rate increase
Blaine New Auto Auto Loan Rates
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: 2024 or newer
As Low As; Model Year: 2024 or newer
Vehicle loan; rate table with monthly payment column
Vehicle loan; rate table with monthly payment column
Vehicle loan; rate table with monthly payment column
As Low As; Model Year: 2024 or newer
Vehicle loan; rate table with monthly payment column
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%
Rates effective as of 8/03/26
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Untitled collateral: 1% rate increase
As Low As; Model Year: New Auto 2025 & Newer
Model Year: 2025 & Newer
- Oct 23, 20264.49%▲ from 3.99%
- Sep 21, 20263.99%first recorded
APR range: 4.49% - 11.49%; rates based on approved credit
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Model Year: 2025 & Newer
Model year: 2023 & Newer Vehicles; Featured rate
Type: New - No Miles; Add 0.25% for additional year on term (not to exceed 72 months); All rates subject to change based on credit, collateral value, and other qualifying factors
Current or previous year with less than 12,000; Payment: Monthly; APR Type: Fixed
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
Type: New - No Miles; Add 0.25% for additional year on term (not to exceed 72 months); All rates subject to change based on credit, collateral value, and other qualifying factors
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Model Year: 2025 & Newer; Rates reflect 0.50% rate decrease based on Relationship-Based Discount Program
As Low As; Rates as low as 4.74% APR; new up to 100% financing
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Model Year: 2022 & Newer
As Low As; Effective April 20, 2026
Rates effective as of 8/03/26
Rates effective as of 8/03/26
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: New Auto 2025 & Newer
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Model Year: 2025 & Newer; Rates reflect 0.50% rate decrease based on Relationship-Based Discount Program
As Low As; Model Year: 2023-Newer
APR range: 4.99% - 11.99%; rates based on approved credit
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Model Year: 2023 and newer; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Current Model Year & Newer; Rates based on final LTV of 75%; Rates effective as of October 26, 2026
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Effective April 20, 2026
As Low As; Model Year: 2025 & Newer
As Low As; Minimum financing amount: $15,000
As Low As; Some terms require a minimum financing amount.
As Low As; Some terms require a minimum financing amount.
As Low As; Model Year: 2025 & Newer
As Low As; Model Year: 2022 & Newer
As Low As; Terms/Information: 2024 and newer
- Nov 3, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
As Low As; Model Year: 2025 & Newer; Rates reflect 0.50% rate decrease based on Relationship-Based Discount Program
APR range: 5.24% - 12.24%; rates based on approved credit
As Low As; Model Year: 2027-2026 New / Under 7,000 Miles
As Low As; Current Model Year & Newer; Rates based on final LTV of 75%; Rates effective as of October 26, 2026
As Low As; Model Year: 2022 & Newer
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
As Low As; 2024 and newer
- Nov 3, 20265.25%▲ from 4.99%
- Oct 13, 20264.99%first recorded
As Low As; Untitled collateral: 1% rate increase
As Low As; Model Year: New Auto 2025 & Newer; Loan terms of 73-84 months require a minimum loan amount of $15,000
Mileage: less than 7,500 miles; w/ Max Discount APR: 4.89%
As Low As; 2024 and newer
- Nov 3, 20265.44%▲ from 5.19%
- Oct 13, 20265.19%first recorded
As Low As; Terms/Information: 2024 and newer
- Nov 3, 20265.44%▲ from 5.19%
- Oct 13, 20265.19%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2025-2026 New Auto
APR range: 5.49% - 12.49%; rates based on approved credit
As Low As; Model Year: 2023 and newer; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Current Model Year & Newer; Rates based on final LTV of 75%; Rates effective as of October 26, 2026
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.50%▲ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Effective April 20, 2026
As Low As; Untitled collateral: 1% rate increase
Blaine Used Auto Auto Loan Rates
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%
Rates effective as of 8/03/26
As Low As; Model Year: 2023 and newer; Approximate; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Vehicles older than 7 years prior to current year receive the "Classic" rate.
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
As Low As; Model Year: 2024-2018; APR reflects 0.50% Relationship-Based Discount Program; Pmt per $1K not captured
- Nov 3, 20264.74%▲ from 4.24%
- Oct 19, 20264.24%first recorded
As Low As; Rates as low as 4.74% APR; used up to 90% financing
As Low As; Model Year: 2026 Used; APR as low as
Rates effective as of 8/03/26
Rates effective as of 8/03/26
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
Model Year: 2024 - 2025; Add 0.25% for additional year on term (not to exceed 72 months); All rates subject to change based on credit, collateral value, and other qualifying factors
As Low As; Model Year: 2024-2018; APR reflects 0.50% Relationship-Based Discount Program; Pmt per $1K not captured
- Nov 3, 20264.99%▲ from 4.49%
- Oct 19, 20264.49%first recorded
As Low As; Model Year: 2026 Used; APR as low as
As Low As; Model Year: 2023 and newer; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Up to 125% MSRP including taxes, license, warranties, and all other adds; posted rate for 36-month terms; includes 0.25% APR discount for automatic payments; promo rate for A+ Tier borrowers only, max 80% LTV, collateral age 4 years or newer, max 100,000 miles
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.00%▼ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Minimum financing amount: $15,000
As Low As; Some terms require a minimum financing amount.
As Low As; Some terms require a minimum financing amount.
As Low As; Model Year: 2024-2018; APR reflects 0.50% Relationship-Based Discount Program; Pmt per $1K not captured
- Nov 3, 20265.24%▲ from 4.74%
- Oct 19, 20264.74%first recorded
As Low As; Model Year: 2026 Used; APR as low as
As Low As; Rates effective as of: October 26, 2026; Rates based on final LTV of 75%; Vehicles > 8 years add 2.00% to rate; Mileage adjustments apply
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
As Low As; Used Vehicle 2016-2022
Less than 6 years old; Payment: Monthly; APR Type: Fixed
As Low As; 2020 - 2023 model years.
- Nov 3, 20265.49%▲ from 5.24%
- Oct 13, 20265.24%first recorded
As Low As; Terms/Information: 2019 - 2023 model year
- Nov 3, 20265.49%▲ from 5.24%
- Oct 13, 20265.24%first recorded
As Low As; Rates based on final LTV of less than 70%; Model Year: 2020-2025 Used Auto
Model Year: 2021 - 2023; Add 0.25% for additional year on term (not to exceed 72 months); All rates subject to change based on credit, collateral value, and other qualifying factors
As Low As; Model Year: 2026 Used; APR as low as
As Low As; Model Year: 2023 and newer; APR may vary with credit qualifications, collateral age, payment protection, and Direct Deposit with AutoPay from a Genisys account; 90 days no payment offer for credit scores of 660+, interest accrues
As Low As; Rates effective as of: October 26, 2026; Rates based on final LTV of 75%; Vehicles > 8 years add 2.00% to rate; Mileage adjustments apply
As Low As; Rate based on creditworthiness and term of loan
As Low As; Model Year: 2024 And Newer
- Oct 23, 20265.50%▲ from 5.25%
- Sep 18, 20265.25%first recorded
As Low As; Effective April 20, 2026
Blaine, MN Auto Loan Rate Trends
Compare local Blaine, MN 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.
Minnesota new auto rates rose 0.037 points over the past 7 days to 5.320% APR.
Minnesota used auto rates rose 0.070 points over the past 7 days to 5.924% APR.
Blaine, MN 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 Minnesota 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 Minnesota 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 @ 5.32% APR MN average | Used Auto @ 5.92% APR MN average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.27/mo | $289.46/mo | $4.19/mo |
| $25,000 | $475.45/mo | $482.44/mo | $6.99/mo |
| $35,000 | $665.63/mo | $675.41/mo | $9.78/mo |
| $45,000 | $855.81/mo | $868.39/mo | $12.58/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 Blaine, Minnesota
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Blaine, Minnesota 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 Minnesota. 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 Blaine, Minnesota 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: Blaine, Minnesota CD rates lock in a guaranteed return until you’re ready to buy
Blaine, Minnesota Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 13.4% of the median individual income in Blaine, Minnesota. 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 Blaine, Minnesota, 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 Blaine, Minnesota. We’ve prefilled the APR with today’s MN 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 Blaine, Minnesota 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 Blaine, Minnesota 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 Blaine, Minnesota. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MN.
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 Blaine, Minnesota
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 Blaine, Minnesota
What are auto loan rates in Blaine, Minnesota today?
How does my credit score affect my car loan rate in Blaine, Minnesota?
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 Blaine, Minnesota?
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 Blaine, Minnesota?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Blaine, Minnesota?
- Blaze Credit Union: 4.49% (New Vehicle 2025 & Newer+ Loan)
- Teamsters Credit Union Blaine, MN: 4.50% (Vehicle Loans - 2024 or newer)
- Chase Bank: 6.09% (Auto Loan - New car purchase)
- Carpenters Federal Credit Union: 3.79% (2022 - 2026 New & Used Vehicles Loan)
- Baxter Credit Union: 3.84% (Auto Loan)
Blaine, Minnesota Rates & Resources
