Auto Loan Rates in South Dakota (SD) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in South Dakota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in South Dakota include Explorers Federal Credit UnionExplorers Federal Credit Union1501 Walnut ST, Springfield, SD, 57062A+5.0 ★Texas Ratio: 3.21% offering AUTOS: 2021-2026 at 3.99%, Sentinel Federal Credit UnionSentinel Federal Credit Union2723 LeMay Blvd, Ellsworth AFB, SD, 57706A+5.0 ★Texas Ratio: 4.56% offering 2023 and Newer Auto Loan at 4.45%, Service First Federal Credit UnionService First Federal Credit Union3901 E 10th St, Sioux Falls, SD, 57103 2133A+5.0 ★Texas Ratio: 0.00% offering New Vehicles (2023 & Newer) 6-48 months at 4.70%, Security First BankSecurity First Bank401 3rd Ave, Martin, SD, 57551A+5.0 ★Texas Ratio: 3.59% offering Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in) at 4.95%, Consumers Federal Credit UnionConsumers Federal Credit Union301 highway 18 west, Gregory, SD, 57533 2203A+5.0 ★Texas Ratio: 1.28% offering New Auto at 5.28%.
Auto loan rates in South Dakota are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in South Dakota. Auto Loan Rates Last Updated and Verified: March 21, 2026
Compare Auto Loan Rates Today in South Dakota
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
3.99%
0 to 36
▼
APR3.99%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
4.24%
37 to 48
▼
APR4.24%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
4.45%
Up to 24
▼
APR4.45%
TermUp to 24
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
4.49%
49 to 60
▼
APR4.49%
Term49 to 60
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
4.65%
48 Months
▼
APR4.65%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.70%
48 Months
▼
APR4.70%
Term48 Months
Last UpdatedMar 21, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.92%
48 Months
▼
APR4.92%
Term48 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
4.99%
0 to 36
▼
APR4.99%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
4.99%
61 to 72
▼
APR4.99%
Term61 to 72
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
5.16%
60 Months
▼
APR5.16%
Term60 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
5.24%
37 to 48
▼
APR5.24%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
5.24%
37 to 48
▼
APR5.24%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Credit Tier: 700-749
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
5.28%
36 Months
▼
APR5.28%
Term36 Months
Last UpdatedMar 18, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.30%
84 Months
▼
APR5.30%
Term84 Months
Last UpdatedMar 21, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
5.48%
37-48
▼
APR5.48%
Term37-48
Last UpdatedMar 18, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
New Auto Loan (2021-New)
5.49%
01 - 60
▼
APR5.49%
Term01 - 60
Last UpdatedMar 15, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
5.49%
49 to 60
▼
APR5.49%
Term49 to 60
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
5.49%
49 to 60
▼
APR5.49%
Term49 to 60
Last UpdatedMar 16, 2026
Details
Credit Tier: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
5.58%
49-60
▼
APR5.58%
Term49-60
Last UpdatedMar 18, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
New Auto Loan (2021-New)
5.59%
61 - 72
▼
APR5.59%
Term61 - 72
Last UpdatedMar 15, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2018-2020)
5.69%
01 - 60
▼
APR5.69%
Term01 - 60
Last UpdatedMar 15, 2026
Details
As Low As
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
5.74%
73-84
▼
APR5.74%
Term73-84
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+; *2022 or newer
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.80%
84 Months
▼
APR5.80%
Term84 Months
Last UpdatedMar 21, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2022 - 2020)
5.90%
1 - 36
▼
APR5.90%
Term1 - 36
Last UpdatedMar 13, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2023 & Newer)
5.90%
1 - 36
▼
APR5.90%
Term1 - 36
Last UpdatedMar 13, 2026
Details
As Low As
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2018-2020)
5.99%
61 - 72
▼
APR5.99%
Term61 - 72
Last UpdatedMar 15, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
5.99%
61 to 72
▼
APR5.99%
Term61 to 72
Last UpdatedMar 16, 2026
Details
Credit Tier: 750+
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
5.99%
61 to 72
▼
APR5.99%
Term61 to 72
Last UpdatedMar 16, 2026
Details
Credit Tier: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.10%
48 Months
▼
APR6.10%
Term48 Months
Last UpdatedMar 21, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2022 - 2020)
6.15%
37 - 60
▼
APR6.15%
Term37 - 60
Last UpdatedMar 13, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2023 & Newer)
6.15%
37 - 60
▼
APR6.15%
Term37 - 60
Last UpdatedMar 13, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
6.15%
37-48
▼
APR6.15%
Term37-48
Last UpdatedMar 18, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
6.24%
37 to 48
▼
APR6.24%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Credit Tier: 700-749
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.32%
48 Months
▼
APR6.32%
Term48 Months
Last UpdatedMar 21, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2022 - 2020)
6.40%
61 - 72
▼
APR6.40%
Term61 - 72
Last UpdatedMar 13, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2023 & Newer)
6.40%
61 - 72
▼
APR6.40%
Term61 - 72
Last UpdatedMar 13, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
6.44%
60 Months
▼
APR6.44%
Term60 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
6.49%
49 to 60
▼
APR6.49%
Term49 to 60
Last UpdatedMar 16, 2026
Details
Credit Tier: 700-749
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.56%
60 Months
▼
APR6.56%
Term60 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
New Auto Loan (2021-New)
6.59%
73 - 84
▼
APR6.59%
Term73 - 84
Last UpdatedMar 15, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2022 - 2020)
6.65%
73 - 84
▼
APR6.65%
Term73 - 84
Last UpdatedMar 13, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2023 & Newer)
6.65%
73 - 84
▼
APR6.65%
Term73 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
6.74%
73-84
▼
APR6.74%
Term73-84
Last UpdatedMar 16, 2026
Details
Credit Tier: 700-749; *2022 or newer
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
6.75%
61-72
▼
APR6.75%
Term61-72
Last UpdatedMar 18, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
6.80%
72 Months
▼
APR6.80%
Term72 Months
Last UpdatedMar 21, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2019 - 2014)
6.90%
1 - 36
▼
APR6.90%
Term1 - 36
Last UpdatedMar 13, 2026
Details
As Low As
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2018-2020)
6.99%
73 - 84
▼
APR6.99%
Term73 - 84
Last UpdatedMar 15, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
6.99%
0 to 36
▼
APR6.99%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
6.99%
61 to 72
▼
APR6.99%
Term61 to 72
Last UpdatedMar 16, 2026
Details
Credit Tier: 700-749
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
6.99%
0 to 36
▼
APR6.99%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2013-2017)
7.09%
01 - 60
▼
APR7.09%
Term01 - 60
Last UpdatedMar 15, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2019 - 2014)
7.15%
37 - 60
▼
APR7.15%
Term37 - 60
Last UpdatedMar 13, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
7.15%
49-60
▼
APR7.15%
Term49-60
Last UpdatedMar 18, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
7.24%
37 to 48
▼
APR7.24%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
7.25%
73-84
▼
APR7.25%
Term73-84
Last UpdatedMar 18, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
7.45%
61-72
▼
APR7.45%
Term61-72
Last UpdatedMar 18, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
7.49%
37 to 48
▼
APR7.49%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
7.49%
49 to 60
▼
APR7.49%
Term49 to 60
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Platinum
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
7.64%
48 Months
▼
APR7.64%
Term48 Months
Last UpdatedMar 21, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2013 & Older)
7.65%
1 - 36
▼
APR7.65%
Term1 - 36
Last UpdatedMar 13, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
7.74%
0 to 36
▼
APR7.74%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
7.84%
60 Months
▼
APR7.84%
Term60 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
7.99%
0 to 36
▼
APR7.99%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
7.99%
61 to 72
▼
APR7.99%
Term61 to 72
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Platinum
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Premier
8.00%
36 Months
▼
APR8.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
8.00%
36 Months
▼
APR8.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2013-2017)
8.09%
61 - 72
▼
APR8.09%
Term61 - 72
Last UpdatedMar 15, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
8.20%
72 Months
▼
APR8.20%
Term72 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
8.24%
37 to 48
▼
APR8.24%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
8.24%
37 to 48
▼
APR8.24%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
8.45%
73-84
▼
APR8.45%
Term73-84
Last UpdatedMar 18, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
8.49%
49 to 60
▼
APR8.49%
Term49 to 60
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Platinum
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Premier
8.50%
48 Months
▼
APR8.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
8.50%
84 Months
▼
APR8.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2012-Older)
8.59%
01 - 60
▼
APR8.59%
Term01 - 60
Last UpdatedMar 15, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
8.99%
0 to 36
▼
APR8.99%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
8.99%
61 to 72
▼
APR8.99%
Term61 to 72
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
8.99%
73-84
▼
APR8.99%
Term73-84
Last UpdatedMar 16, 2026
Details
Credit Tier: 675-699; *2022 or newer
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Premier
9.00%
60 Months
▼
APR9.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2012-Older)
9.09%
61 - 72
▼
APR9.09%
Term61 - 72
Last UpdatedMar 15, 2026
Details
As Low As
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
9.24%
0 to 36
▼
APR9.24%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Credit Tier: 650-674
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
9.49%
37 to 48
▼
APR9.49%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
9.49%
37 to 48
▼
APR9.49%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Credit Tier: 650-674
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
9.50%
72 Months
▼
APR9.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
9.65%
48 Months
▼
APR9.65%
Term48 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Platinum
9.75%
36 Months
▼
APR9.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
9.99%
49 to 60
▼
APR9.99%
Term49 to 60
Last UpdatedMar 16, 2026
Details
Credit Tier: 650-674
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Valued
10.00%
36 Months
▼
APR10.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
10.24%
0 to 36
▼
APR10.24%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Credit Tier: 650-674
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Platinum
10.25%
48 Months
▼
APR10.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Premier
10.25%
36 Months
▼
APR10.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
10.40%
60 Months
▼
APR10.40%
Term60 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
10.49%
37 to 48
▼
APR10.49%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Credit Tier: 650-674
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Valued
10.50%
48 Months
▼
APR10.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
10.50%
84 Months
▼
APR10.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Premier
10.75%
48 Months
▼
APR10.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
10.80%
72 Months
▼
APR10.80%
Term72 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
10.99%
0 to 36
▼
APR10.99%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2015-2020
10.99%
49 to 60
▼
APR10.99%
Term49 to 60
Last UpdatedMar 16, 2026
Details
Credit Tier: 650-674
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2021-2026
10.99%
61 to 72
▼
APR10.99%
Term61 to 72
Last UpdatedMar 16, 2026
Details
Credit Tier: 650-674
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Valued
11.00%
60 Months
▼
APR11.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
11.00%
36 Months
▼
APR11.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
11.05%
48 Months
▼
APR11.05%
Term48 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
11.15%
84 Months
▼
APR11.15%
Term84 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
11.25%
48 Months
▼
APR11.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
11.49%
37 to 48
▼
APR11.49%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
11.80%
60 Months
▼
APR11.80%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
12.20%
72 Months
▼
APR12.20%
Term72 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Valued
12.25%
36 Months
▼
APR12.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
12.50%
72 Months
▼
APR12.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Valued
12.75%
48 Months
▼
APR12.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Builder
13.00%
36 Months
▼
APR13.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
13.15%
48 Months
▼
APR13.15%
Term48 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Builder
13.50%
48 Months
▼
APR13.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
13.50%
84 Months
▼
APR13.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
13.99%
0 to 36
▼
APR13.99%
Term0 to 36
Last UpdatedMar 16, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Builder
14.00%
60 Months
▼
APR14.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
14.40%
60 Months
▼
APR14.40%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
14.55%
48 Months
▼
APR14.55%
Term48 Months
Last UpdatedMar 21, 2026
Details
Explorers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.21%
1501 Walnut ST, Springfield, SD, 57062
AUTOS: 2014 And Older
14.74%
37 to 48
▼
APR14.74%
Term37 to 48
Last UpdatedMar 16, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
14.90%
72 Months
▼
APR14.90%
Term72 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
15.00%
36 Months
▼
APR15.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Builder
15.25%
36 Months
▼
APR15.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
15.25%
48 Months
▼
APR15.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
15.40%
84 Months
▼
APR15.40%
Term84 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
15.50%
60 Months
▼
APR15.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Builder
15.75%
48 Months
▼
APR15.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
15.80%
60 Months
▼
APR15.80%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
16.30%
72 Months
▼
APR16.30%
Term72 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
16.50%
72 Months
▼
APR16.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Rebuilder
17.00%
36 Months
▼
APR17.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Rebuilder
17.50%
48 Months
▼
APR17.50%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
17.50%
84 Months
▼
APR17.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2010 and Older Auto Loan Rebuilder
18.00%
36 Months
▼
APR18.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2013 - 2019 Auto Loan Rebuilder
18.00%
60 Months
▼
APR18.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
4.45%
Up to 24
▼
APR4.45%
TermUp to 24
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
4.55%
36 Months
▼
APR4.55%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
4.65%
48 Months
▼
APR4.65%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.70%
48 Months
▼
APR4.70%
Term48 Months
Last UpdatedMar 21, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.92%
48 Months
▼
APR4.92%
Term48 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMar 21, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
5.16%
60 Months
▼
APR5.16%
Term60 Months
Last UpdatedMar 21, 2026
Details
Sentinel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
2723 LeMay Blvd, Ellsworth AFB, SD, 57706
2023 and Newer Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; Credit Tier 760>
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
5.28%
36 Months
▼
APR5.28%
Term36 Months
Last UpdatedMar 18, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.30%
84 Months
▼
APR5.30%
Term84 Months
Last UpdatedMar 21, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
5.48%
37-48
▼
APR5.48%
Term37-48
Last UpdatedMar 18, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
New Auto Loan (2021-New)
5.49%
01 - 60
▼
APR5.49%
Term01 - 60
Last UpdatedMar 15, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
5.58%
49-60
▼
APR5.58%
Term49-60
Last UpdatedMar 18, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
New Auto Loan (2021-New)
5.59%
61 - 72
▼
APR5.59%
Term61 - 72
Last UpdatedMar 15, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in)
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.80%
84 Months
▼
APR5.80%
Term84 Months
Last UpdatedMar 21, 2026
Details
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2023 & Newer)
5.90%
1 - 36
▼
APR5.90%
Term1 - 36
Last UpdatedMar 13, 2026
Details
As Low As
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2023 & Newer)
6.15%
37 - 60
▼
APR6.15%
Term37 - 60
Last UpdatedMar 13, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2023 & Newer)
6.40%
61 - 72
▼
APR6.40%
Term61 - 72
Last UpdatedMar 13, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
6.44%
60 Months
▼
APR6.44%
Term60 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
New Auto Loan (2021-New)
6.59%
73 - 84
▼
APR6.59%
Term73 - 84
Last UpdatedMar 15, 2026
Details
As Low As
East River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
220 S Harth Ave, Madison, SD, 57042 2916
Auto Loans (2023 & Newer)
6.65%
73 - 84
▼
APR6.65%
Term73 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
6.75%
61-72
▼
APR6.75%
Term61-72
Last UpdatedMar 18, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
6.80%
72 Months
▼
APR6.80%
Term72 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
New Auto
7.25%
73-84
▼
APR7.25%
Term73-84
Last UpdatedMar 18, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Platinum
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
8.00%
36 Months
▼
APR8.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Premier
8.50%
84 Months
▼
APR8.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
9.50%
72 Months
▼
APR9.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
9.65%
48 Months
▼
APR9.65%
Term48 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
10.40%
60 Months
▼
APR10.40%
Term60 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Valued
10.50%
84 Months
▼
APR10.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
10.80%
72 Months
▼
APR10.80%
Term72 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
11.00%
36 Months
▼
APR11.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
11.15%
84 Months
▼
APR11.15%
Term84 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
11.25%
48 Months
▼
APR11.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
11.50%
60 Months
▼
APR11.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
12.50%
72 Months
▼
APR12.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
13.15%
48 Months
▼
APR13.15%
Term48 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Builder
13.50%
84 Months
▼
APR13.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
14.40%
60 Months
▼
APR14.40%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
14.90%
72 Months
▼
APR14.90%
Term72 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
15.00%
36 Months
▼
APR15.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Up To 36 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
15.25%
48 Months
▼
APR15.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
48 Months
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
15.40%
84 Months
▼
APR15.40%
Term84 Months
Last UpdatedMar 21, 2026
Details
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
15.50%
60 Months
▼
APR15.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
60 Months
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
16.50%
72 Months
▼
APR16.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
72 Months (over $20,000)
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
100 W 7th Street, Platte, SD, 57369
2020 - NEW Auto Loan Rebuilder
17.50%
84 Months
▼
APR17.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
84 Months (over $30,000)
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Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2018-2020)
5.69%
01 - 60
▼
APR5.69%
Term01 - 60
Last UpdatedMar 15, 2026
Details
As Low As
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
5.74%
48 Months
▼
APR5.74%
Term48 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2018-2020)
5.99%
61 - 72
▼
APR5.99%
Term61 - 72
Last UpdatedMar 15, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.10%
48 Months
▼
APR6.10%
Term48 Months
Last UpdatedMar 21, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
6.15%
37-48
▼
APR6.15%
Term37-48
Last UpdatedMar 18, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 1-3 Years Old (2025, 2024 & 2023)
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.32%
48 Months
▼
APR6.32%
Term48 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.56%
60 Months
▼
APR6.56%
Term60 Months
Last UpdatedMar 21, 2026
Details
Security First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.59%
401 3rd Ave, Martin, SD, 57551
Pre-Owned Vehicles: 4-5 Years Old (2022 & 2021)
6.59%
84 Months
▼
APR6.59%
Term84 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2018-2020)
6.99%
73 - 84
▼
APR6.99%
Term73 - 84
Last UpdatedMar 15, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2013-2017)
7.09%
01 - 60
▼
APR7.09%
Term01 - 60
Last UpdatedMar 15, 2026
Details
As Low As
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
7.15%
49-60
▼
APR7.15%
Term49-60
Last UpdatedMar 18, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
7.45%
61-72
▼
APR7.45%
Term61-72
Last UpdatedMar 18, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
7.64%
48 Months
▼
APR7.64%
Term48 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
7.84%
60 Months
▼
APR7.84%
Term60 Months
Last UpdatedMar 21, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2013-2017)
8.09%
61 - 72
▼
APR8.09%
Term61 - 72
Last UpdatedMar 15, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
8.20%
72 Months
▼
APR8.20%
Term72 Months
Last UpdatedMar 21, 2026
Details
Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
301 highway 18 west, Gregory, SD, 57533 2203
Used Auto
8.45%
73-84
▼
APR8.45%
Term73-84
Last UpdatedMar 18, 2026
Details
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2012-Older)
8.59%
01 - 60
▼
APR8.59%
Term01 - 60
Last UpdatedMar 15, 2026
Details
As Low As
Voyage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.07%
5800 E 18th St Ste 101, Sioux Falls, SD, 57110
Used Auto Loan (2012-Older)
9.09%
61 - 72
▼
APR9.09%
Term61 - 72
Last UpdatedMar 15, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
11.05%
48 Months
▼
APR11.05%
Term48 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
11.80%
60 Months
▼
APR11.80%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
12.20%
72 Months
▼
APR12.20%
Term72 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
14.55%
48 Months
▼
APR14.55%
Term48 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
15.80%
60 Months
▼
APR15.80%
Term60 Months
Last UpdatedMar 21, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
16.30%
72 Months
▼
APR16.30%
Term72 Months
Last UpdatedMar 21, 2026
Details
Powered by
MonitorBankRates
Frequently Asked Questions about Auto Loans in South Dakota
How does my credit score affect my car loan rate in South Dakota?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in South Dakota with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in South Dakota *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in South Dakota typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in South Dakota?
Based on our current data, some of the lowest auto loan rates available in South Dakota include:
- Explorers Federal Credit Union: 3.99% (AUTOS: 2021-2026)
- Sentinel Federal Credit Union: 4.45% (2023 and Newer Auto Loan)
- Service First Federal Credit Union: 4.70% (New Vehicles (2023 & Newer) 6-48 months)
- Security First Bank: 4.95% (Brand New Vehicles: 2026 or 2025 Models (Not previously sold or traded in))
- Consumers Federal Credit Union: 5.28% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026
Auto Loan Rates by City in South Dakota
