Raleigh, North Carolina Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Raleigh, North Carolina auto loan rates range from 3.34% to 11.75% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Raleigh, North Carolina include State Employees Credit UnionState Employees Credit Union1000 Wade Ave, Raleigh, NC, 27605A-5.0 ★Texas Ratio: 14.13%Rate verified Nov 8, 2026 offering New Auto Loan at 3.75%, U S Postal Service Credit UnionU S Postal Service Credit Union1 Floretta Pl, Raleigh, NC, 27676 9803A+5.0 ★Texas Ratio: 4.33%Rate verified Nov 9, 2026 offering Vehicle Loan - 36 Month Term at 3.75%, Coastal Credit UnionCoastal Credit Union1000 Saint Albans Dr, Raleigh, NC, 27609A+5.0 ★Texas Ratio: 4.34%Rate verified Nov 9, 2026 offering New & Used Auto Loan at 3.99%, Navy Federal Credit UnionNavy Federal Credit Union7870 Alexander Promenade Pl, Raleigh, NC, 27617A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, North Carolina Press Association Federal Credit UnionNorth Carolina Press Association Federal Credit Union119 N Salisbury St, Raleigh, NC, 27603 1739A+5.0 ★Texas Ratio: 3.27%Rate verified Nov 7, 2026 offering New Auto Loan at 4.25%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Raleigh has 14 local institutions in our database, with auto loan rates as low as 3.75% APR from State Employees Credit Union at 1000 Wade Ave, Raleigh, NC, 27605. 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 Raleigh, North Carolina. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Raleigh, North Carolina & Surrounding Area
Raleigh Auto Loan Rates
APR range 3.75% - 7.00%
As Low As; with Relationship Rewards
As Low As; Model Year: 2027-2025; APR range: 3.99%-5.74%
APR range 4.00% - 7.25%
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 vehicles (prior, current, or upcoming year model) with 10,000 miles or less; fixed interest rate
APR range 4.25% - 7.50%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Model Year: 2027-2025; APR range: 4.49%-5.99%
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
APR range 4.50% - 7.75%
Vehicle age: 0-5 years old; APR range 4.50% - 8.50%
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2024-2022; APR range: 4.64%-6.34%
As Low As; New vehicles (prior, current, or upcoming year model) with 10,000 miles or less; fixed interest rate
Vehicle age: 0-5 years old; APR range 4.75% - 8.75%
As Low As; Model Year: 2027-2025; APR range: 4.84%-7.04%
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Rate Type: Fixed; New or used, same low rate
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
As Low As; New vehicles (prior, current, or upcoming year model) with 10,000 miles or less; fixed interest rate
Vehicle age: 0-5 years old; APR range 5.00% - 9.00%
- Oct 26, 20265.00%▼ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2024-2022; APR range: 5.14%-6.59%
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rate Type: Fixed; New or used, same low rate
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
As Low As; Vehicle Loans
APR range 5.25% - 8.50%
Vehicle age: 0-5 years old; APR range 5.25% - 9.25%
- Oct 26, 20265.25%▼ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Model Year: 2021-2019; APR range: 5.34%-6.89%
As Low As; Model Year: 2024-2022; APR range: 5.49%-7.64%
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
As Low As; Vehicle Loans
As Low As; Used auto loan APR for vehicles less than 10 years old with 150,000 miles or less; maximum loan amount up to $35,000
APR range 5.50% - 10.00%; Vehicle age: 6-10 years old
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 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: 2021-2019; APR range: 5.64%-7.14%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Rate Type: Fixed; New or used, same low rate
As Low As; Rates from 5.70% APR for 84 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $50,000, maximum loan $150,000; example loan $50,000 for 84 months at $721.11/month
APR range 5.75% - 10.25%; Vehicle age: 6-10 years old
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As
- Oct 14, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
APR range 6.00% - 9.25%
As Low As; Model Year: 2021-2019; APR range: 6.04%-8.19%
As Low As; Rates from 6.05% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $25,000 for 72 months at $412.42/month; eligible model years 2023-2026
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Rate Type: Fixed; New or used, same low rate
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
As Low As; Vehicle Loans
As Low As; Vehicle Loans
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rate Type: Fixed; New or used, same low rate
As Low As; Eligible vehicles: 6-10 model years old or mileage between 100,001-150,000 miles
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
As Low As; Vehicle Loans
Loan to Value: 95%; Maximum Amount: $80,000; Avg. Loan Amount: $25,000; Avg. Payment: $379; Credit history required; All current and prior year models must have fewer than 10,000 miles
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 7.64%-9.19%
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 7.89%-9.44%
As Low As; Eligible vehicles: 6-10 model years old or mileage between 100,001-150,000 miles
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 8.29%-9.84%
As Low As; Terms up to 63 months. Maximum loan amount is $15,000.
Loan to Value: 70%; Maximum Amount: $80,000; Avg. Loan Amount: $25,000; Avg. Payment: $397; All current and prior year models must have fewer than 10,000 miles
As Low As; Model Year: 2014-2011 (max term 66 months); APR range: 8.79%-10.34%
Loan to Value: 85%; Maximum Amount: $40,000; Avg. Loan Amount: $20,000; Avg. Payment: $323; All current and prior year models must have fewer than 10,000 miles
As Low As; Model Year: 2014-2011 (max term 66 months); APR range: 9.09%-10.59%
Loan to Value: 95%; Maximum Amount: $80,000; Avg. Loan Amount: $25,000; Credit history required
- Oct 14, 20269.75%▲ from 6.75%
- Sep 27, 20266.75%first recorded
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $30,000 minimum amount financed
Loan to Value: 70%; Maximum Amount: $80,000; Avg. Loan Amount: $25,000
- Oct 14, 202610.75%▲ from 6.75%
- Sep 27, 20266.75%first recorded
Loan to Value: 85%; Maximum Amount: $30,000; Avg. Loan Amount: $20,000
- Oct 14, 202611.75%▲ from 6.75%
- Sep 27, 20266.75%first recorded
As Low As
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As
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; Used vehicles up to 10 years old, good working order; up to 100% LTV
As Low As; Loan Rates effective as of November 1, 2026
- Nov 3, 20263.99%▼ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; Loan Rates APR
- Nov 8, 20264.00%▲ from 3.75%
- Oct 13, 20263.75%first recorded
As Low As
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
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; Loan Rates effective as of November 1, 2026
- Nov 3, 20264.49%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Loan Rates effective as of November 1, 2026
- Nov 3, 20264.49%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Min. Amount: $5,001+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
As Low As; Rates effective 11/1/2026; loan to value of 100% or less; not all borrowers will qualify for the lowest rate
Published APR range: 4.49% to 15.99%.
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
Score: A+ = 750+
As Low As; Premium risk-based rate; Effective as of November 1, 2025
As Low As; Finance up to 80% of MSRP according to Black Book
As Low As; Loan Rates APR
- Oct 13, 20264.50%▼ from 5.50%
- Sep 22, 20265.50%first recorded
As Low As
As Low As; APR* (As low as); Rates may vary
- Nov 3, 20264.64%▲ from 4.49%
- Sep 21, 20264.49%first recorded
As Low As; New Vehicle; Payroll Deduction or Automatic Draft; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Max vehicle age 7 years; Max mileage 100,000
As Low As; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Nov 7, 20264.75%▲ from 2.99%
- Sep 17, 20262.99%first recorded
Score: A+ = 750+
As Low As; Loan Rates effective as of November 1, 2026
As Low As; Vehicle age: 0 - 1 year
- Nov 3, 20264.75%▲ from 4.49%
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Term: 36 months - 84 months; Rate range: 4.75% APR to 6.25% APR; Under New Vehicle Loans; fixed-rate financing; Effective as of January 2025
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
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; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
As Low As; Auto Loans APR* (as low as)
Used: 2022 - 2023; Rate includes All-In Member Pricing discount up to 0.50% APR; Rates for 2021 and older may be higher
As Low As; Model Years: New, 2025 (untitled) -2026
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Used vehicles up to 10 years old, good working order; up to 100% LTV
As Low As; Loan Rates effective as of November 1, 2026
- Nov 3, 20264.99%▼ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; APR varies according to credit history of applicant(s)
As Low As; Rate may include Auto Pay, Active Checking, AND/OR Fully Protected discounts; Don't forget we may meet or beat your current auto loan rate
Auto Loans - New or Used; Credit Scores 780 & Higher
As Low As; Min. Amount: $7,501+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
As Low As; Rates effective 11/1/2026; loan to value of 100% or less; not all borrowers will qualify for the lowest rate
Published APR range: 4.99-13.94. Year: 2025 - 2027; Min. Loan Amount: $500
New/Refinance; Model Year 2024 and Newer; Rate includes All-In Member Pricing discount up to 0.50% APR; Add 1% when paying by cash, check or coupon
As Low As; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
Score: A+ = 750+
Score: A = 680-749
Model Year: 2023-2026; Credit Score: A+ | 750+; Minimum $20,000
As Low As; risk-based pricing; Effective as of November 1, 2025
Rate range: 5.00% - 11.25%
APR range 5.00% - 15.50%; rates quoted as APR; rates subject to change; for qualified applicants; rate and term based on credit evaluation
APR range: 5.00% to 8.25%; Current or Prior Year - less than 10,000 miles
- Oct 13, 20265.00%▲ from 4.75%
- Sep 14, 20264.75%first recorded
- Nov 5, 20265.00%▲ from 4.75%
- Sep 14, 20264.75%first recorded
- Oct 1, 20265.05%▲ from 4.83%
- Sep 18, 20264.83%first recorded
As Low As; APR varies according to credit history of applicant(s)
As Low As; Model Years: New, 2025 (untitled) -2026
As Low As; Model Years: Pre-Owned (2020+)
As Low As; APR* (As low as); Rates may vary
- Nov 3, 20265.14%▲ from 4.99%
- Sep 21, 20264.99%first recorded
Used: 2022 - 2023; Rate includes All-In Member Pricing discount up to 0.50% APR; Rates for 2021 and older may be higher
As Low As; New Vehicle; Non-Payroll Deduction; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Max vehicle age 7 years; Max mileage 100,000
Published APR range: 5.19-14.09. Year: 2025 - 2027; Min. Loan Amount: $500
As Low As; New Vehicle; Payroll Deduction or Automatic Draft; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Max vehicle age 7 years; Max mileage 100,000
As Low As; Vehicle Model Years: 2020 or Newer; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
As Low As; Used vehicles up to 10 years old, good working order; up to 100% LTV
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Score: A = 680-749
Model Year: 2023-2026; Credit Score: A+ | 750+; Minimum $20,000
Term: 61 Months - 84 Months; As Low As; Premium risk-based rate; Effective as of November 1, 2025
As Low As; Vehicle age: 0 - 1 year
- Nov 3, 20265.25%▼ from 5.49%
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Rate range: 5.25% - 12.50%
APR range 5.25% - 16.00%; rates quoted as APR; rates subject to change; for qualified applicants; rate and term based on credit evaluation
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
Published APR range: 5.29-14.09. Year: 2023 - 2024; Min. Loan Amount: $500
As Low As; Model Years: New, 2025 (untitled) -2026
As Low As; Model Years: Pre-Owned (2020+)
As Low As; APR varies according to credit history of applicant(s)
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
Raleigh New Auto Auto Loan Rates
APR range 3.75% - 7.00%
As Low As; Model Year: 2027-2025; APR range: 3.99%-5.74%
APR range 4.00% - 7.25%
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 vehicles (prior, current, or upcoming year model) with 10,000 miles or less; fixed interest rate
APR range 4.25% - 7.50%
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Model Year: 2027-2025; APR range: 4.49%-5.99%
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
APR range 4.50% - 7.75%
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2024-2022; APR range: 4.64%-6.34%
As Low As; New vehicles (prior, current, or upcoming year model) with 10,000 miles or less; fixed interest rate
As Low As; Model Year: 2027-2025; APR range: 4.84%-7.04%
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
As Low As; New vehicles (prior, current, or upcoming year model) with 10,000 miles or less; fixed interest rate
As Low As; Model Year: 2024-2022; APR range: 5.14%-6.59%
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
As Low As; Vehicle Loans
APR range 5.25% - 8.50%
As Low As; Model Year: 2021-2019; APR range: 5.34%-6.89%
As Low As; Model Year: 2024-2022; APR range: 5.49%-7.64%
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: 2021-2019; APR range: 5.64%-7.14%
As Low As; Rates from 5.70% APR for 84 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $50,000, maximum loan $150,000; example loan $50,000 for 84 months at $721.11/month
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As
- Oct 14, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
APR range 6.00% - 9.25%
As Low As; Model Year: 2021-2019; APR range: 6.04%-8.19%
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; Vehicle Loans
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
As Low As; Vehicle Loans
Loan to Value: 95%; Maximum Amount: $80,000; Avg. Loan Amount: $25,000; Avg. Payment: $379; Credit history required; All current and prior year models must have fewer than 10,000 miles
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 7.64%-9.19%
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
As Low As; New vehicle: prior year, current year or upcoming year model with 15,000 miles or less, never previously titled
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 7.89%-9.44%
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 8.29%-9.84%
Loan to Value: 70%; Maximum Amount: $80,000; Avg. Loan Amount: $25,000; Avg. Payment: $397; All current and prior year models must have fewer than 10,000 miles
As Low As; Model Year: 2014-2011 (max term 66 months); APR range: 8.79%-10.34%
Loan to Value: 85%; Maximum Amount: $40,000; Avg. Loan Amount: $20,000; Avg. Payment: $323; All current and prior year models must have fewer than 10,000 miles
As Low As; Model Year: 2014-2011 (max term 66 months); APR range: 9.09%-10.59%
As Low As
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Loan Rates effective as of November 1, 2026
- Nov 3, 20263.99%▼ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; Loan Rates APR
- Nov 8, 20264.00%▲ from 3.75%
- Oct 13, 20263.75%first recorded
As Low As
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Min. Amount: $5,001+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
As Low As; Rates effective 11/1/2026; loan to value of 100% or less; not all borrowers will qualify for the lowest rate
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
Score: A+ = 750+
As Low As; Premium risk-based rate; Effective as of November 1, 2025
As Low As; Finance up to 80% of MSRP according to Black Book
As Low As; APR* (As low as); Rates may vary
- Nov 3, 20264.64%▲ from 4.49%
- Sep 21, 20264.49%first recorded
As Low As; New Vehicle; Payroll Deduction or Automatic Draft; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Nov 7, 20264.75%▲ from 2.99%
- Sep 17, 20262.99%first recorded
Score: A+ = 750+
As Low As; Vehicle age: 0 - 1 year
- Nov 3, 20264.75%▲ from 4.49%
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Term: 36 months - 84 months; Rate range: 4.75% APR to 6.25% APR; Under New Vehicle Loans; fixed-rate financing; Effective as of January 2025
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
As Low As; Auto Loans APR* (as low as)
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Loan Rates effective as of November 1, 2026
- Nov 3, 20264.99%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Auto Loans - New or Used; Credit Scores 780 & Higher
As Low As; Min. Amount: $7,501+; Effective October 1, 2026; vehicle must have less than 5k miles and less than 90 days in service
New/Refinance; Model Year 2024 and Newer; Rate includes All-In Member Pricing discount up to 0.50% APR; Add 1% when paying by cash, check or coupon
As Low As; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
Score: A+ = 750+
Score: A = 680-749
Rate range: 5.00% - 11.25%
APR range 5.00% - 15.50%; rates quoted as APR; rates subject to change; for qualified applicants; rate and term based on credit evaluation
APR range: 5.00% to 8.25%; Current or Prior Year - less than 10,000 miles
- Oct 13, 20265.00%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; APR* (As low as); Rates may vary
- Nov 3, 20265.14%▲ from 4.99%
- Sep 21, 20264.99%first recorded
As Low As; New Vehicle; Non-Payroll Deduction; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; New Vehicle; Payroll Deduction or Automatic Draft; Up to 100% of Purchase Price not to exceed 10% over MSRP; Loan Rates subject to determination of creditworthiness
As Low As; Vehicle Model Years: 2020 or Newer; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
Score: A = 680-749
Term: 61 Months - 84 Months; As Low As; Premium risk-based rate; Effective as of November 1, 2025
As Low As; Vehicle age: 0 - 1 year
- Nov 3, 20265.25%▼ from 5.49%
- Oct 5, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Rate range: 5.25% - 12.50%
Raleigh Used Auto Auto Loan Rates
As Low As; Model Year: 2027-2025; APR range: 3.99%-5.74%
As Low As; Model Year: 2027-2025; APR range: 4.49%-5.99%
Vehicle age: 0-5 years old; APR range 4.50% - 8.50%
As Low As; Model Year: 2024-2022; APR range: 4.64%-6.34%
Vehicle age: 0-5 years old; APR range 4.75% - 8.75%
As Low As; Model Year: 2027-2025; APR range: 4.84%-7.04%
Vehicle age: 0-5 years old; APR range 5.00% - 9.00%
- Oct 26, 20265.00%▼ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2024-2022; APR range: 5.14%-6.59%
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Vehicle age: 0-5 years old; APR range 5.25% - 9.25%
- Oct 26, 20265.25%▼ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Model Year: 2021-2019; APR range: 5.34%-6.89%
As Low As; Model Year: 2024-2022; APR range: 5.49%-7.64%
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
As Low As; Vehicle Loans
As Low As; Used auto loan APR for vehicles less than 10 years old with 150,000 miles or less; maximum loan amount up to $35,000
APR range 5.50% - 10.00%; Vehicle age: 6-10 years old
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Model Year: 2021-2019; APR range: 5.64%-7.14%
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range 5.75% - 10.25%; Vehicle age: 6-10 years old
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As
- Oct 14, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%first recorded
As Low As; Model Year: 2021-2019; APR range: 6.04%-8.19%
As Low As; Rates from 6.05% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $25,000 for 72 months at $412.42/month; eligible model years 2023-2026
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
As Low As; Vehicle Loans
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Eligible vehicles: 6-10 model years old or mileage between 100,001-150,000 miles
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 7.64%-9.19%
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 7.89%-9.44%
As Low As; Eligible vehicles: 6-10 model years old or mileage between 100,001-150,000 miles
As Low As; Vehicles must be 5 model years or newer (including current year); mileage must not exceed 100,000 miles
As Low As; Model Year: 2018-2015 (max term 72 months); APR range: 8.29%-9.84%
As Low As; Model Year: 2014-2011 (max term 66 months); APR range: 8.79%-10.34%
As Low As; Model Year: 2014-2011 (max term 66 months); APR range: 9.09%-10.59%
Loan to Value: 95%; Maximum Amount: $80,000; Avg. Loan Amount: $25,000; Credit history required
- Oct 14, 20269.75%▲ from 6.75%
- Sep 27, 20266.75%first recorded
Loan to Value: 70%; Maximum Amount: $80,000; Avg. Loan Amount: $25,000
- Oct 14, 202610.75%▲ from 6.75%
- Sep 27, 20266.75%first recorded
Loan to Value: 85%; Maximum Amount: $30,000; Avg. Loan Amount: $20,000
- Oct 14, 202611.75%▲ from 6.75%
- Sep 27, 20266.75%first recorded
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
As Low As
As Low As; Used vehicles up to 10 years old, good working order; up to 100% LTV
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; Loan Rates effective as of November 1, 2026
- Nov 3, 20264.49%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Loan Rates effective as of November 1, 2026
- Nov 3, 20264.49%▼ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Loan Rates APR
- Oct 13, 20264.50%▼ from 5.50%
- Sep 22, 20265.50%first recorded
As Low As
As Low As; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Max vehicle age 7 years; Max mileage 100,000
As Low As; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Nov 7, 20264.75%▲ from 2.99%
- Sep 17, 20262.99%first recorded
As Low As; Loan Rates effective as of November 1, 2026
Term: 36 months - 84 months; Rate range: 4.75% APR to 6.25% APR; Under New Vehicle Loans; fixed-rate financing; Effective as of January 2025
As Low As; Rate based on creditworthiness and term of loan
As Low As; APR is simple interest on the unpaid balance; rates subject to change
- Oct 29, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Oct 2, 20264.85%▲ from 3.80%
- Sep 17, 20263.80%first recorded
As Low As; Used vehicles up to 10 years old, good working order; up to 100% LTV
Auto Loans - New or Used; Credit Scores 780 & Higher
As Low As; Rates effective 11/1/2026; loan to value of 100% or less; not all borrowers will qualify for the lowest rate
As Low As; Vehicle Model Years: All Years; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account; model years 2021-2017 add 0.25% premium, 2016 and older add 0.75% premium
- Oct 2, 20265.00%▲ from 4.05%
- Sep 17, 20264.05%first recorded
Model Year: 2023-2026; Credit Score: A+ | 750+; Minimum $20,000
As Low As; risk-based pricing; Effective as of November 1, 2025
- Nov 5, 20265.00%▲ from 4.75%
- Sep 14, 20264.75%first recorded
As Low As; Non-Payroll Deduction APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Max vehicle age 7 years; Max mileage 100,000
As Low As; Payroll Deduction or Automatic Draft APR; Up to 100% of Purchase Price not to exceed 10% over MSRP; Max vehicle age 7 years; Max mileage 100,000
As Low As; Vehicle Model Years: 2020 or Newer; Effective 11/01/2026; 0.50% rate discount for 80% LTV and 0.25% automatic payment discount from a United checking account
- Oct 4, 20265.25%▼ from 5.50%
- Oct 2, 20265.50%▲ from 4.55%
- Sep 17, 20264.55%first recorded
As Low As; Used vehicles up to 10 years old, good working order; up to 100% LTV
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 3; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
As Low As; Standard APR*: 6.25%; Maximum Term in Years: 4; Best rates based on approved credit, reflects maximum relationship discount of 1.00%
- Oct 12, 20265.25%▲ from 4.75%
- Oct 8, 20264.75%first recorded
Model Year: 2023-2026; Credit Score: A+ | 750+; Minimum $20,000
APR range 5.25% - 16.00%; rates quoted as APR; rates subject to change; for qualified applicants; rate and term based on credit evaluation
Raleigh, NC Auto Loan Rate Trends
Compare local Raleigh, NC 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.
North Carolina new auto rates rose 0.007 points over the past 7 days to 5.240% APR.
North Carolina used auto rates rose 0.003 points over the past 7 days to 5.741% APR.
Raleigh, NC 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 North Carolina 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 North Carolina 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 @ 5.24% APR NC average | Used Auto @ 5.74% APR NC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.72/mo | $288.19/mo | $3.47/mo |
| $25,000 | $474.54/mo | $480.32/mo | $5.78/mo |
| $35,000 | $664.35/mo | $672.45/mo | $8.09/mo |
| $45,000 | $854.17/mo | $864.58/mo | $10.41/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 Raleigh, North Carolina
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Raleigh, North Carolina 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 North Carolina. 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 Raleigh, North Carolina 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: Raleigh, North Carolina CD rates lock in a guaranteed return until you’re ready to buy
Raleigh, North Carolina Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 14.3% of the median individual income in Raleigh, North Carolina. 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 Raleigh, North Carolina, 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 Raleigh, North Carolina. We’ve prefilled the APR with today’s NC 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 Raleigh, North Carolina 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 Raleigh, North Carolina 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 Raleigh, North Carolina. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NC.
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 Raleigh, North Carolina
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 Raleigh, North Carolina
What are auto loan rates in Raleigh, North Carolina today?
How does my credit score affect my car loan rate in Raleigh, North Carolina?
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 Raleigh, North Carolina?
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 Raleigh, North Carolina?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Raleigh, North Carolina?
- State Employees Credit Union: 3.75% (New Auto Loan)
- U S Postal Service Credit Union: 3.75% (Vehicle Loan - 36 Month Term)
- Coastal Credit Union: 3.99% (New & Used Auto Loan)
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- North Carolina Press Association Federal Credit Union: 4.25% (New Auto Loan)
Raleigh, North Carolina Rates & Resources
