Omaha, Nebraska Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Omaha, Nebraska auto loan rates range from 3.49% to 15.75% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Omaha, Nebraska include Liberty First Credit UnionLiberty First Credit Union5011 S 108th St, Omaha, NE, 68137A+5.0 ★Texas Ratio: 3.58%Rate verified Nov 8, 2026 offering Auto Loan Special at 3.49%, Metro Federal Credit UnionMetro Federal Credit Union14509 F St, Omaha, NE, 68137 1054A+5.0 ★Texas Ratio: 1.30%Rate verified Nov 7, 2026 offering 36 Month or Less Auto Loan at 3.99%, Kellogg Midwest Credit UnionKellogg Midwest Credit Union9601 F St, Omaha, NE, 68127A+5.0 ★Texas Ratio: 3.10%Rate verified Nov 9, 2026 offering Auto Loan - 2024 & Newer at 4.19%, Omaha Federal Credit UnionOmaha Federal Credit Union3001 S 82ND AVE, OMAHA, NE, 68124A+5.0 ★Texas Ratio: 3.18%Rate verified Nov 7, 2026 offering New Auto Loan at 4.49%, Cobalt Federal Credit UnionCobalt Federal Credit Union15325 Weir St, Omaha, NE, 68137 5061A5.0 ★Texas Ratio: 6.25%Rate verified Nov 8, 2026 offering Auto Loan - New 2026 & New/Used 2025 - Loyalty at 4.49%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Omaha has 16 local institutions in our database, with auto loan rates as low as 3.49% APR from Liberty First Credit Union at 5011 S 108th St, Omaha, NE, 68137. 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 Omaha, Nebraska. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Omaha, Nebraska & Surrounding Area
Omaha Auto Loan Rates
As Low As; 2022 and newer models
As Low As; Minimum Loan Amount: $5,000.00; Rates assume automatic payment discount; Refinances of existing Metro CU loans not eligible
As Low As; Minimum Loan Amount: $5,000.00; Rates assume automatic payment discount; Refinances of existing Metro CU loans not eligible
As Low As; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20264.19%▼ from 4.99%
- Oct 26, 20264.99%▲ from 4.49%
- Oct 19, 20264.49%first recorded
As Low As; Minimum Loan Amount: $5,000.00; Rates assume automatic payment discount; Refinances of existing Metro CU loans not eligible
As Low As; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20264.44%▼ from 5.24%
- Oct 26, 20265.24%▲ from 4.74%
- Oct 19, 20264.74%first recorded
As Low As; Model Years: 2024 - 2026; Starting at 4.49%*; Annual Percentage Rate
- Oct 15, 20264.49%▲ from 3.99%
- Sep 16, 20263.99%first recorded
As Low As; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025; Member Loyalty Loan Rate Discount requirements apply
As Low As; Vehicle Year: 2024 - 2023; Loyalty APR; Requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; 0.50% APR discount
As Low As; Effective Date: October 1, 2026
- Oct 4, 20264.50%▼ from 4.75%
- Sep 12, 20264.75%first recorded
As Low As; Minimum Loan Amount: $10,000.00; Rates assume automatic payment discount; Refinances of existing Metro CU loans not eligible
Term: 60 months/5 years or less; Vehicle: New and Used 2023-New; New Autos - 110% of dealer sticker
As Low As; Model Years: 2024 - 2026; Starting at 4.74%*; Annual Percentage Rate
- Oct 15, 20264.74%▲ from 4.24%
- Sep 16, 20264.24%first recorded
As Low As; Loyalty APR; Vehicle Year: 2025 - 2024; Member Loyalty Loan Rate Discount requirements apply
As Low As; Vehicle Year: 2024 - 2023; Loyalty APR; Requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; 0.50% APR discount
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Model Year: 2023 - 2026; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
As Low As; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20264.94%▼ from 5.74%
- Oct 26, 20265.74%▲ from 5.24%
- Oct 19, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20264.99%▼ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20264.99%▼ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20264.99%▼ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20264.99%▼ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Model Years: 2024 - 2026; Starting at 4.99%*; Annual Percentage Rate
- Oct 15, 20264.99%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Minimum Loan Amount: $20,000.00; Rates assume automatic payment discount; Refinances of existing Metro CU loans not eligible
As Low As; Loyalty APR; Vehicle Year: 2025 - 2024 (row label blank, carried from row above); Member Loyalty Loan Rate Discount requirements apply
As Low As; Vehicle Year: New 2026 & New/Used 2025
As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate
As Low As; Vehicle Year: 2022 - 2021; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Effective Date: October 1, 2026
- Oct 4, 20265.00%▼ from 5.25%
- Sep 12, 20265.25%first recorded
Model year 2021; Additional APR listed for this product: 5.50%, 6.00%, 7.00%. As Low As; Model Year: 2025-2021; Effective Date: October 1, 2026
As Low As; Year: New (2026-2022); Approximate Monthly Payment Per $1,000: $23.03; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%; Membership minimum balance of $25 required
Term: 72 months/6 years or less; Vehicle: New and Used 2023-New; Vehicles titles less than 90 days
As Low As; Model Year: 2020 to 2023; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20265.19%▼ from 5.49%
- Oct 19, 20265.49%first recorded
As Low As; Model Year: 2025-2024; Valuation: J.D. Power Loan Value; Title/Insurance required; Maximum Amount: not stated
- Nov 2, 20265.24%▼ from 5.49%
- Oct 15, 20265.49%▲ from 5.24%
- Sep 20, 20265.24%first recorded
As Low As; Model Year: 2025-2021; Valuation: J.D. Power Loan Value; Title/Insurance required; Maximum Amount: not stated
- Nov 2, 20265.24%▼ from 5.49%
- Oct 15, 20265.49%first recorded
As Low As; Model Year: 2025-2021; Valuation: J.D. Power Loan Value; Title/Insurance required; Maximum Amount: not stated
- Nov 2, 20265.24%▼ from 5.49%
- Oct 15, 20265.49%first recorded
As Low As; Vehicle Year: 2025 - 2024
As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Model Year: 2019 - 2022; Rates effective 03/09/26; Rates based on loans of $2,500 or more
APR of 5.24% available for 36-month loans on model years 2025 or newer; add .25% if payments are not deducted from a Mutual 1st Federal account with direct deposit; APR accurate as of 7/20/2026
As Low As; Year: New (2026-2022); Approximate Monthly Payment Per $1,000: $18.89; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%; Membership minimum balance of $25 required
As Low As; Vehicle Year: Used 2021-2019; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
As Low As; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20265.44%▼ from 6.24%
- Oct 26, 20266.24%▲ from 5.74%
- Oct 19, 20265.74%first recorded
As Low As; Model Year: 2020 to 2023; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20265.44%▼ from 5.74%
- Oct 19, 20265.74%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Model Years: 2024 - 2026; Starting at 5.49%*; Annual Percentage Rate
- Oct 15, 20265.49%▲ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Vehicle Year: 2025 - 2024 (row label blank, carried from row above)
As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate
As Low As; Vehicle Year: 2022 - 2021; APR as low as*
As Low As; Model Year: 2019 - 2022; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Effective Date: October 1, 2026
- Oct 4, 20265.50%▼ from 5.75%
- Sep 12, 20265.75%first recorded
As Low As; Year: New (2026-2022); Approximate Monthly Payment Per $1,000: $16.34; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%; Membership minimum balance of $25 required
As Low As; Vehicle Year: Used 2021-2019; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
Term: 84 months/7 years or less; Vehicle: New and Used 2023-New; Vehicles under 5,000 miles
Term: 60 months/5 years or less; Vehicle: Used 2019-2022; Used Autos - 100% of NADA Retail or existing refinance balance
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; Model Year: 2020 to 2023; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20265.69%▼ from 5.99%
- Oct 19, 20265.99%first recorded
As Low As; Model Year: 2020-2016; Valuation: J.D. Power Loan Value; Title/Insurance required; Maximum Amount: not stated
- Nov 2, 20265.74%▼ from 5.99%
- Oct 15, 20265.99%first recorded
As Low As; Model Year: 2025-2024; Valuation: J.D. Power Retail Value; Title/Insurance required; Maximum Amount: not stated
- Nov 2, 20265.74%▲ from 5.49%
- Oct 15, 20265.49%▲ from 5.24%
- Sep 20, 20265.24%first recorded
As Low As; Model Year: 2025-2021; Valuation: J.D. Power Retail Value; Title/Insurance required; Maximum Amount: not stated
- Nov 2, 20265.74%▲ from 5.49%
- Oct 15, 20265.49%first recorded
As Low As; Model Year: 2025-2021; Valuation: J.D. Power Retail Value; Title/Insurance required; Maximum Amount: not stated
- Nov 2, 20265.74%▲ from 5.49%
- Oct 15, 20265.49%first recorded
As Low As; Starting at 5.74%*; Annual Percentage Rate
- Oct 8, 20265.74%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As; Vehicle Year: 2025 - 2024
As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate; 79-84 month financing available on loans exceeding $25,000 only
As Low As; Vehicle Year: 2021 - 2020; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card
Published APR range: 5.74%-9.49%. APR range; rates determined by individual credit profile; rates assume automatic payments from a U.P. Connection checking or savings account
As Low As; Year: New (2026-2022); Approximate Monthly Payment Per $1,000: $14.49; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%; Membership minimum balance of $25 required
As Low As; Vehicle Year: Used 2021-2019; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
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%
New Cars; New Car 72 months financing for $20,000.00 sticker price or greater.; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
APR = Annual Percentage Rate
APR = Annual Percentage Rate
APR = Annual Percentage Rate
As Low As; Model Years: 2024 - 2026; Starting at 5.99%*; Annual Percentage Rate
- Oct 15, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
As Low As; Starting at 5.99%*; Annual Percentage Rate
- Oct 8, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
As Low As; Vehicle Year: 2021 - 2020; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card
As Low As; Model Year: 2021 and newer; Rates effective 03/09/26; Rates based on loans of $2,500 or more
Model Year: 2026-2022; Credit Grade: A 749-720
Term: 48 months/4 years or less; Vehicle: Used 2018-older
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: 2020-2016; Valuation: J.D. Power Retail Value; Title/Insurance required; Maximum Amount: not stated
- Nov 2, 20266.24%▲ from 5.99%
- Oct 15, 20265.99%first recorded
As Low As; Loyalty APR; Vehicle Year: 2020 - 2018; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2021 - 2020; APR as low as*
APR of 6.24% available for 60-month loans on used vehicles, model years 2016 - 2024; add .25% if payments are not deducted from a Mutual 1st Federal account with direct deposit; APR accurate as of 7/20/2026
As Low As; Effective Date: October 1, 2026
- Oct 4, 20266.25%▼ from 6.75%
- Sep 12, 20266.75%first recorded
Model Year: 2026-2022; Credit Grade: A 749-720
Term: 96 months/8 years or less; Vehicle: New and Used 2023-New
As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026
As Low As; Starting at 6.49%*; Annual Percentage Rate
- Oct 8, 20266.49%▲ from 5.99%
- Sep 16, 20265.99%first recorded
As Low As; Vehicle Year: 2021 - 2020; APR as low as*
Model Year: 2026-2022; Credit Grade: A 749-720
As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2020 - 2018; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2021 - 2020; APR as low as*
Published APR range: 6.74%-10.74%. APR range; rates determined by individual credit profile; rates assume automatic payments from a U.P. Connection checking or savings account
Published APR range: 6.74%-11.74%. Model years 2020 - 2022; other vehicles include boats, motorcycles, RV's, and Motor Homes; terms may vary based on collateral; APR range
Model Year: 2026-2022; Credit Grade: A 749-720
As Low As; Limited time offer; APR available for new and used vehicles dated 2024 or newer; maximum loan-to-value 100%; excellent credit required; example $10,000.00 loan at 6.76% for 60 months = $196.90/month including up to $185 origination fee
As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
New Cars; New Car 84 months financing for $30,000.00 sticker price or greater.; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
Used Car 72 months financing for $25,000.00 or greater
APR = Annual Percentage Rate; Financing for $25,000.00 or greater
As Low As; Vehicle Year: Used 2018 & Older; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
- Oct 13, 20267.00%▲ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
As Low As; Model Year: 2018 and older; Rates effective 03/09/26; Rates based on loans of $2,500 or more
Model Year: 2026-2022; Credit Grade: B 719-675
As Low As; Model Year: 2018 and older; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
Published APR range: 7.49%-11.49%. APR range; rates determined by individual credit profile; rates assume automatic payments from a U.P. Connection checking or savings account
As Low As; Vehicle age: 25 years and older; Effective Date: October 1, 2026
Model Year: 2026-2022; Credit Grade: B 719-675
As Low As; Vehicle Year: Used 2018 & Older; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
- Oct 13, 20267.50%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Model Year: 2026-2022; Credit Grade: B 719-675
Used Car 84 months financing for $30,000.00 or greater
APR = Annual Percentage Rate; Financing for $30,000.00 or greater
As Low As; Model Year: 2018 and older; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
Published APR range: 7.99%-12.49%. APR range; rates determined by individual credit profile; rates assume automatic payments from a U.P. Connection checking or savings account
As Low As; Vehicle age: 25 years and older; Effective Date: October 1, 2026
As Low As; Vehicle Year: 2017 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2016 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026
As Low As; Vehicle age: 25 years and older; Effective Date: October 1, 2026
As Low As; Vehicle Year: 2017 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
Published APR range: 8.99%-12.49%. Model years 2016 - 2017; other vehicles include boats, motorcycles, RV's, and Motor Homes; terms may vary based on collateral; APR range
Published APR range: 8.99%-12.74%. Model years 2018 - 2019; other vehicles include boats, motorcycles, RV's, and Motor Homes; terms may vary based on collateral; APR range
Model Year: 2026-2022; Credit Grade: C 674-650
Model Year: 2026-2022; Credit Grade: C 674-650
As Low As; Vehicle Year: 2016 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026
- Oct 26, 20269.79%▲ from 4.74%
- Sep 18, 20264.74%first recorded
Model Year: 2026-2022; Credit Grade: C 674-650
Model Year: 2026-2022; Credit Grade: C 674-650
As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
- Oct 26, 202610.29%▲ from 6.24%
- Sep 18, 20266.24%first recorded
Model Year: 2026-2022; Credit Grade: D 649-600
Model Year: 2026-2022; Credit Grade: D 649-600
Model Year: 2026-2022; Credit Grade: D 649-600
Model Year: 2026-2022; Credit Grade: D 649-600
Model Year: 2026-2022; Credit Grade: E 599 or BELOW
Model Year: 2026-2022; Credit Grade: E 599 or BELOW
Model Year: 2026-2022; Credit Grade: E 599 or BELOW
Model Year: 2026-2022; Credit Grade: E 599 or BELOW
Model Year: 2027 - 2026
Model Year: 2011 to 2015; Risk Grade A+
Model Year: 2016 to 2019; Risk Grade A+
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Model Year: 2020 to 2024; Risk Grade A+
Model Year: 2025 to 2027; Risk Grade A+
Model Year: 2011 to 2015; Risk Grade A
- Oct 15, 20264.40%▲ from 4.05%
- Oct 12, 20264.05%first recorded
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
Model Year: 2025 to 2027; Risk Grade A+
Credit Score > 700
Model Year: 2016 to 2019; Risk Grade A
- Oct 15, 20264.50%▲ from 4.15%
- Oct 12, 20264.15%first recorded
Published APR range: 4.50- 10.00%. Rates Effective 09/24/2025
As low as; Terms up to 36 Month; Approximate Monthly Payment Per $1,000.00: $29.86; Autopay from LincOne Checking discount of .50% included; add 1% for vehicles with 100,000+ miles
As low as; Terms up to 48 Month; Approximate Monthly Payment Per $1,000.00: $22.61; Autopay from LincOne Checking discount of .50% included; add 1% for vehicles with 100,000+ miles
As Low As; Rates effective as of 08/27/2026
Model Year: 2027 - 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
Model Year: 2020 to 2024; Risk Grade A
- Oct 15, 20264.60%▲ from 4.25%
- Oct 12, 20264.25%first recorded
Model Year: 2025 to 2027; Risk Grade A
- Oct 15, 20264.70%▲ from 4.35%
- Oct 12, 20264.35%first recorded
Loan Amount: $1000-2500; Vehicle Age: 1-3 years
- Oct 23, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Loan Amount: $2500-$5000; Vehicle Age: 1-3 years
- Oct 23, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Model Year: 2024 - Current; Credit Grade: A+ (Credit Score 720-Above)
Published APR range: 4.75 - 10.50%. Rates Effective 09/24/2025
As Low As; Limited-Time Special; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance Required; Add on for Tax & Licensing; Up to 90 Days to First Payment
As Low As; Over $30,001; Limited-Time Special; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance Required; Add on for Tax & Licensing; Up to 90 Days to First Payment
Model Year: 2027 - 2026
Model Year: 2025 to 2027; Risk Grade A
- Oct 15, 20264.80%▲ from 4.45%
- Oct 12, 20264.45%first recorded
As Low As; Rates effective as of 08/27/2026
Model Year: 2027 - 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
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
Maximum Amount: 125% of value; APR Available Range: 4.99% to 13.49%; Value on New is established as the MSRP; Not all borrowers will qualify for the lowest rate
Risk-based APR range 4.99% - 10.25%; lowest rate for members with credit score 700+, active checking or direct deposit, and payment from a Siouxland FCU account; effective 10-01-2026
Model Year: 2024 - Current; Credit Grade: A (Credit Score 670-719)
Valuation: 100% NADA Retail; Credit Grade: A+ (Credit Score 720-Above)
Published APR range: 5.00 - 11.25%. Rates Effective 09/24/2025
As low as; Terms up to 60 Month; Approximate Monthly Payment Per $1,000.00: $18.90; Autopay from LincOne Checking discount of .50% included; add 1% for vehicles with 100,000+ miles
Model Year: 2026 - 2025
Model Year: 2011 to 2015; Risk Grade B
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
Omaha New Auto Auto Loan Rates
As Low As; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20264.19%▼ from 4.99%
- Oct 26, 20264.99%▲ from 4.49%
- Oct 19, 20264.49%first recorded
As Low As; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20264.44%▼ from 5.24%
- Oct 26, 20265.24%▲ from 4.74%
- Oct 19, 20264.74%first recorded
As Low As; Model Years: 2024 - 2026; Starting at 4.49%*; Annual Percentage Rate
- Oct 15, 20264.49%▲ from 3.99%
- Sep 16, 20263.99%first recorded
As Low As; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025; Member Loyalty Loan Rate Discount requirements apply
As Low As; Effective Date: October 1, 2026
- Oct 4, 20264.50%▼ from 4.75%
- Sep 12, 20264.75%first recorded
As Low As; Model Years: 2024 - 2026; Starting at 4.74%*; Annual Percentage Rate
- Oct 15, 20264.74%▲ from 4.24%
- Sep 16, 20264.24%first recorded
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Model Year: 2023 - 2026; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
New Cars; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
As Low As; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20264.94%▼ from 5.74%
- Oct 26, 20265.74%▲ from 5.24%
- Oct 19, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20264.99%▼ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20264.99%▼ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20264.99%▼ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20264.99%▼ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Model Years: 2024 - 2026; Starting at 4.99%*; Annual Percentage Rate
- Oct 15, 20264.99%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Vehicle Year: New 2026 & New/Used 2025
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Effective Date: October 1, 2026
- Oct 4, 20265.00%▼ from 5.25%
- Sep 12, 20265.25%first recorded
As Low As; Year: New (2026-2022); Approximate Monthly Payment Per $1,000: $23.03; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%; Membership minimum balance of $25 required
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Year: New (2026-2022); Approximate Monthly Payment Per $1,000: $18.89; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%; Membership minimum balance of $25 required
As Low As; Includes 0.80% promotional discount on new-money purchases or refinances from a different lender; must apply online; based on $20,000 loan
- Nov 5, 20265.44%▼ from 6.24%
- Oct 26, 20266.24%▲ from 5.74%
- Oct 19, 20265.74%first recorded
As Low As; Year: NEW; Maximum Amount: 85% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
- Nov 2, 20265.49%▲ from 5.24%
- Sep 16, 20265.24%first recorded
As Low As; Model Years: 2024 - 2026; Starting at 5.49%*; Annual Percentage Rate
- Oct 15, 20265.49%▲ from 4.99%
- Sep 16, 20264.99%first recorded
As Low As; Effective Date: October 1, 2026
- Oct 4, 20265.50%▼ from 5.75%
- Sep 12, 20265.75%first recorded
As Low As; Year: New (2026-2022); Approximate Monthly Payment Per $1,000: $16.34; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%; Membership minimum balance of $25 required
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%
Published APR range: 5.74%-9.49%. APR range; rates determined by individual credit profile; rates assume automatic payments from a U.P. Connection checking or savings account
As Low As; Year: New (2026-2022); Approximate Monthly Payment Per $1,000: $14.49; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%; Membership minimum balance of $25 required
New Cars; New Car 72 months financing for $20,000.00 sticker price or greater.; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
As Low As; Model Years: 2024 - 2026; Starting at 5.99%*; Annual Percentage Rate
- Oct 15, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
Model Year: 2026-2022; Credit Grade: A 749-720
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; Effective Date: October 1, 2026
- Oct 4, 20266.25%▼ from 6.75%
- Sep 12, 20266.75%first recorded
Model Year: 2026-2022; Credit Grade: A 749-720
Model Year: 2026-2022; Credit Grade: A 749-720
Published APR range: 6.74%-10.74%. APR range; rates determined by individual credit profile; rates assume automatic payments from a U.P. Connection checking or savings account
Model Year: 2026-2022; Credit Grade: A 749-720
New Cars; New Car 84 months financing for $30,000.00 sticker price or greater.; The Credit Union will finance 100% of the purchase price of the vehicle including tax, registration and any extended warranty.; Maximum car loan is $75,000.00.
Model Year: 2026-2022; Credit Grade: B 719-675
Published APR range: 7.49%-11.49%. APR range; rates determined by individual credit profile; rates assume automatic payments from a U.P. Connection checking or savings account
Model Year: 2026-2022; Credit Grade: B 719-675
Model Year: 2026-2022; Credit Grade: B 719-675
Published APR range: 7.99%-12.49%. APR range; rates determined by individual credit profile; rates assume automatic payments from a U.P. Connection checking or savings account
Model Year: 2026-2022; Credit Grade: C 674-650
Model Year: 2026-2022; Credit Grade: C 674-650
Model Year: 2026-2022; Credit Grade: C 674-650
Model Year: 2026-2022; Credit Grade: C 674-650
Model Year: 2026-2022; Credit Grade: D 649-600
Model Year: 2026-2022; Credit Grade: D 649-600
Model Year: 2026-2022; Credit Grade: D 649-600
Model Year: 2026-2022; Credit Grade: D 649-600
Model Year: 2026-2022; Credit Grade: E 599 or BELOW
Model Year: 2026-2022; Credit Grade: E 599 or BELOW
Model Year: 2026-2022; Credit Grade: E 599 or BELOW
Model Year: 2026-2022; Credit Grade: E 599 or BELOW
Model Year: 2027 - 2026
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New 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
Published APR range: 4.50- 10.00%. Rates Effective 09/24/2025
As low as; Terms up to 36 Month; Approximate Monthly Payment Per $1,000.00: $29.86; Autopay from LincOne Checking discount of .50% included; add 1% for vehicles with 100,000+ miles
As low as; Terms up to 48 Month; Approximate Monthly Payment Per $1,000.00: $22.61; Autopay from LincOne Checking discount of .50% included; add 1% for vehicles with 100,000+ miles
As Low As; Rates effective as of 08/27/2026
Model Year: 2027 - 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
Published APR range: 4.75 - 10.50%. Rates Effective 09/24/2025
As Low As; Limited-Time Special; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance Required; Add on for Tax & Licensing; Up to 90 Days to First Payment
As Low As; Over $30,001; Limited-Time Special; Terms & Conditions Apply; 100% of NADA Book Retail Value; Full Coverage Insurance Required; Add on for Tax & Licensing; Up to 90 Days to First Payment
Model Year: 2027 - 2026
As Low As; Rates effective as of 08/27/2026
Model Year: 2027 - 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
Brand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in); Limited-time auto loan special; APR assumes excellent credit; automatic payments from a Security First Bank checking or savings account required; $5,000 minimum loan amount
Risk-based APR range 4.99% - 10.25%; lowest rate for members with credit score 700+, active checking or direct deposit, and payment from a Siouxland FCU account; effective 10-01-2026
Published APR range: 5.00 - 11.25%. Rates Effective 09/24/2025
As low as; Terms up to 60 Month; Approximate Monthly Payment Per $1,000.00: $18.90; Autopay from LincOne Checking discount of .50% included; add 1% for vehicles with 100,000+ miles
Omaha Used Auto Auto Loan Rates
As Low As; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025; Member Loyalty Loan Rate Discount requirements apply
As Low As; Vehicle Year: 2024 - 2023; Loyalty APR; Requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; 0.50% APR discount
As Low As; Vehicle Year: 2024 - 2023; Loyalty APR; Requires active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/HELOC/mortgage/credit card, and good standing; 0.50% APR discount
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Model Year: 2023 - 2026; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Vehicle Year: New 2026 & New/Used 2025
As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate
As Low As; Vehicle Year: 2022 - 2021; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
Model year 2021; Additional APR listed for this product: 5.50%, 6.00%, 7.00%. As Low As; Model Year: 2025-2021; Effective Date: October 1, 2026
As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate
As Low As; Model Year: 2023 - 2026; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Model Year: 2019 - 2022; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Vehicle Year: Used 2021-2019; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate
As Low As; Vehicle Year: 2022 - 2021; APR as low as*
As Low As; Model Year: 2019 - 2022; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Vehicle Year: Used 2021-2019; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
As Low As; Starting at 5.74%*; Annual Percentage Rate
- Oct 8, 20265.74%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As; Vehicle Year: 2024 - 2023; Annual Percentage Rate; 79-84 month financing available on loans exceeding $25,000 only
As Low As; Vehicle Year: 2021 - 2020; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card
As Low As; Vehicle Year: Used 2021-2019; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
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%
APR = Annual Percentage Rate
APR = Annual Percentage Rate
APR = Annual Percentage Rate
As Low As; Starting at 5.99%*; Annual Percentage Rate
- Oct 8, 20265.99%▲ from 5.49%
- Sep 16, 20265.49%first recorded
As Low As; Vehicle Year: 2021 - 2020; Loyalty APR as low as*; Member Loyalty discount requires active direct deposit of $500+ per month to a Cobalt checking account and an existing Cobalt loan, line of credit, HELOC, mortgage, or credit card
As Low As; Model Year: 2021 and newer; Rates effective 03/09/26; Rates based on loans of $2,500 or more
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; Loyalty APR; Vehicle Year: 2020 - 2018; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2021 - 2020; APR as low as*
As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026
As Low As; Starting at 6.49%*; Annual Percentage Rate
- Oct 8, 20266.49%▲ from 5.99%
- Sep 16, 20265.99%first recorded
As Low As; Vehicle Year: 2021 - 2020; APR as low as*
As Low As; Loyalty APR; Vehicle Year: 2019 - 2017; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, an existing Cobalt loan/line/card, and accounts in good standing; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2020 - 2018; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2021 - 2020; APR as low as*
Published APR range: 6.74%-11.74%. Model years 2020 - 2022; other vehicles include boats, motorcycles, RV's, and Motor Homes; terms may vary based on collateral; APR range
As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
Used Car 72 months financing for $25,000.00 or greater
APR = Annual Percentage Rate; Financing for $25,000.00 or greater
As Low As; Vehicle Year: Used 2018 & Older; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
- Oct 13, 20267.00%▲ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; Vehicle Year: 2019 - 2017; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
As Low As; Model Year: 2018 and older; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Model Year: 2018 and older; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Vehicle Year: Used 2018 & Older; Security: Title/Ins; For vehicles with 100,000+ in mileage add 1%
- Oct 13, 20267.50%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Used Car 84 months financing for $30,000.00 or greater
APR = Annual Percentage Rate; Financing for $30,000.00 or greater
As Low As; Model Year: 2018 and older; Includes 10% down payment; Rates effective 03/09/26; Rates based on loans of $2,500 or more
As Low As; Vehicle Year: 2017 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2016 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2017 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
Published APR range: 8.99%-12.49%. Model years 2016 - 2017; other vehicles include boats, motorcycles, RV's, and Motor Homes; terms may vary based on collateral; APR range
Published APR range: 8.99%-12.74%. Model years 2018 - 2019; other vehicles include boats, motorcycles, RV's, and Motor Homes; terms may vary based on collateral; APR range
As Low As; Vehicle Year: 2016 and older; Member Loyalty Loan Rate Discount: 0.50% APR discount for members with active direct deposit of $500+ per month to a Cobalt checking account, at least one other Cobalt loan/line/card open, and all accounts in good standing; Rates effective as of July 21, 2026
- Oct 26, 20269.79%▲ from 4.74%
- Sep 18, 20264.74%first recorded
As Low As; Vehicle Year: 2016 and older; Final rate determined by credit score, vehicle age and loan term; Rates effective as of July 21, 2026
- Oct 26, 202610.29%▲ from 6.24%
- Sep 18, 20266.24%first recorded
Loan Amount: $1000-2500; Vehicle Age: 1-3 years
- Oct 23, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Loan Amount: $2500-$5000; Vehicle Age: 1-3 years
- Oct 23, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Model Year: 2026 - 2025
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
Omaha, NE Auto Loan Rate Trends
Compare local Omaha, NE 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.
Nebraska new auto rates rose 0.009 points over the past 7 days to 5.391% APR.
Nebraska used auto rates fell 0.006 points over the past 7 days to 5.972% APR.
Omaha, NE 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 Nebraska 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 Nebraska 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 @ 5.39% APR NE average | Used Auto @ 5.97% APR NE average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.76/mo | $289.79/mo | $4.03/mo |
| $25,000 | $476.27/mo | $482.99/mo | $6.72/mo |
| $35,000 | $666.77/mo | $676.18/mo | $9.41/mo |
| $45,000 | $857.28/mo | $869.38/mo | $12.10/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 Omaha, Nebraska
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Omaha, Nebraska 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 Nebraska. 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 Omaha, Nebraska 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: Omaha, Nebraska CD rates lock in a guaranteed return until you’re ready to buy
Omaha, Nebraska Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $572 monthly car payment works out to roughly 15.6% of the median individual income in Omaha, Nebraska. 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 Omaha, Nebraska, 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 Omaha, Nebraska. We’ve prefilled the APR with today’s NE 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 Omaha, Nebraska 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 Omaha, Nebraska 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 Omaha, Nebraska. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NE.
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 Omaha, Nebraska
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 Omaha, Nebraska
What are auto loan rates in Omaha, Nebraska today?
How does my credit score affect my car loan rate in Omaha, Nebraska?
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 Omaha, Nebraska?
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 Omaha, Nebraska?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Omaha, Nebraska?
- Liberty First Credit Union: 3.49% (Auto Loan Special)
- Metro Federal Credit Union: 3.99% (36 Month or Less Auto Loan)
- Kellogg Midwest Credit Union: 4.19% (Auto Loan - 2024 & Newer)
- Omaha Federal Credit Union: 4.49% (New Auto Loan)
- Cobalt Federal Credit Union: 4.49% (Auto Loan - New 2026 & New/Used 2025 - Loyalty)
Omaha, Nebraska Rates & Resources
