Best New Auto Loan Rates — June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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Top best new auto loan rates rates currently available include: LONGSHOREMENS LOCAL 4's New vehicle Loan at 1.99% APR, Arkansas AM&N College Federal Credit Union's New Auto Loan at 1.99% APR, Cooperative Credit Union's NEW Auto 2025-2026 Mileage Under 10,000 at 2.00% APR, Triboro Postal Federal Credit Union's New Car Loan at 2.25% APR, and WEPCO Federal Credit Union's New or Used Vehicle Loans at 2.49% APR. Rates as of Jun 21, 2026 per MonitorBankRates.
New auto loan rates are typically the most competitive in the auto lending market. Banks and credit unions offer their lowest APRs on new vehicles, making it an ideal time to compare lenders before visiting the dealership.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution for your vehicle loan.
Auto loan rates reflect verified offers from lenders actively lending to US borrowers. Last Updated: Jun 21, 2026
Compare New Auto Loan Rates
As low as 1.99%
90% of MSRP Rate depends on credit rating
Tier A+
No additional details provided.
As Low As
Credit Score: 750+
Interest Rate may vary depending on ones credit worthiness and term of loan.
Credit Score: 720-749
APR*
APR*
80% Retail Value
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
No additional details provided.
As low as
No additional details provided.
Rates are based on a minimum credit score of 700.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As
As Low As; Modal Year: 2025 & newer
As Low As
Credit Score: 720-749
Credit Score: A 700 & Up
Refinance Options Available
100% Retail Value
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Highest APR* is 18.00% (Autos up to 10 years old)
As Low As; 13.99%
APR*
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
Model Year: 2023 - Newer
As low as; New Vehicles
APR* - From 81% to 100% LTV Ratio
2025-2026 (will finance 1st tag and GAP Insurance)
As Low As
Credit Score: 720-749
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Sample auto loan is $50,000 for 36 months at a rate of 4.24%. APR is 4.34%, which includes a $75.00 Loan Documentation Fee, estimated payment of $1,481.69, max LTV of 100%. Final rate and term determined by collateral. APR and estimated monthly payment calculated using sample amount listed (which includes a $35 application fee) and max term. Not everyone will qualify for rate or APR advertised. Loan rate, term, and monthly payment are determined by credit worthiness, collateral, and loan to value.
100% Financing
No additional details provided.
No additional details provided.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Qualifications Required: Must provide a vehicle description; most recent two pays stubs; proof of rent or mortgage; be a credit union member; demonstrate the capacity to repay the loan; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. You can borrow up to $40K for a new car or $35K for a used car. Application fee: $20.00
No additional details provided.
As low as
No additional details provided.
No additional details provided.
As Low As
Credit Score: 750 plus
As Low As; New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
No additional details provided.
As Low As; *
As Low As; Vehicles 2025 or newer, up to 72 month term - new cars only.
2022 or Newer vehicle
Special!
As Low As; See Auto Loan Rates for details.
No additional details provided.
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As
No additional details provided.
As low as
As low as 3.49% APR
As Low As; *
As Low As; Payment: $29.30 per $1,000
No additional details provided.
Zero Down Payment
2025-2026(will finance 1st tag and GAP Insurance)
Model Years 2026 or newer. Loan rate starting at..., based on credit score. Loyalty Discounts Available. Loyalty discount of .25% off current rate with net pay direct deposit. Some restrictions apply.
No additional details provided.
Credit Score: 720-749
As Low As
No additional details provided.
APR as low as
APR as low as
APR as low as
Year: 2025-2026
Credit Score: A 700 & Up
Tier A+
20% Down
No additional details provided.
As Low As; Minimum Invoice Amount: $30,000
As Low As
As Low As
No additional details provided.
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
No additional details provided.
No additional details provided.
Fixed
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Example: 48 monthly payments of $22.42 for every $1,000 borrowed at 3.64%
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
As Low As; Model Year: 2023-2027
As Low As
As Low As; *APR is the Annual Percentage Rate.
As Low As; will finance 100% up to 84 months
As Low As; (2025 - 2026)
APR as low as
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
As Low As
As Low As; Rates based on term selected.
Model Year: 2023 - Newer
APR*
As Low As; Monthly Payment: $29.41 per $1,000 borrowed
As Low As
APR* - From 81% to 100% LTV Ratio
2025-2026(will finance 1st tag and GAP Insurance)
As Low As
As Low As
As Low As
Credit Score: 650-719
$40; New Autos: Purchase/Refinance (add .5% for cash out)
No additional details provided.
No additional details provided.
Credit Score: 750 plus
Year: 2025-2026
Tier A
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Minimum Invoice Amount: $30,000
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Rates may vary based on credit worthiness
As Low As
As Low As; Fixed; Terms from 36 to 84 months with Direct Deposit
As Low As
Rate: 3.79% - 15.04%
As Low As; *
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
Up to retail value
Max Limit: $45,000.00
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Max term of 96 months!
As Low As; Model Year: 2023 and Newer
No additional details provided.
No additional details provided.
As Low As
As Low As
As low as; New Vehicles
The following rates may be higher based on your credit score: Rates are based on credit worthiness of the applicant. Rates are subject to change.
As low as; (based on credit score)
As Low As
As Low As; Model Year: 2023-2027
As Low As
As Low As
No additional details provided.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
$40; New Autos: Purchase/Refinance (add .5% for cash out)
As Low As; 14.49%
As Low As; 4.24% APR available for preferred rate with a FICO score of 700 & higher. Additional .25% discount on auto loans with direct deposit to your POLAM FCU account with a minimum direct deposit of $1000 per month.
No additional details provided.
As low as; Rates effective as of 03/01/2026
No additional details provided.
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Credit Score: 750 plus
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; New Autos (2026, 2025 w/less than 15,000 miles)
No additional details provided.
Minimum Loan Amount: Min $5k
Rates are based on a minimum credit score of 700.
As Low As; Effective as of January 12, 2026
No additional details provided.
APR varies by term. Terms up to 7 years. Apply Online
As Low As; MemPerx Max Benefit: as low as 3.59% APR
90% Financing
2023-New
As low as*
As Low As; Your actual APR will depend on your credit worthiness, the specific loan term, and other qualifying factors.
No additional details provided.
As Low As; New or used vehicle
Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
New Auto (2025 & 2026)
With credit score of 700 and above
As Low As; (2025 - 2026)
APR as low as
No Payments for up to 90 Days; Representative Example: A $30,000 loan financed at 4.75% APR for 60 months would result in 60 payments of $562.71. The actual interest rate offered may be higher depending on the applicant's credit rating, vehicle model year, and other underwriting factors. All loans are subject to credit approval, Membership with Gain FCU, and subject to Credit Union policies and procedures. Rates advertised are best available for vehicles that are three years old or newer and that have less than 125,000 miles. Rates are subject to change without prior notice. Not all borrowers will qualify. Terms and conditions apply. Must be 18 years of age or older to qualify for loan. Excludes Cargo Vans, for Van Conversions refer to RV Loan Rates. Available for vehicles 3 years old and newer. Offer not available for first time buyers or JumpStart Auto Loans. Interest will accrue during 90-day period. Not all customers will qualify. Other financing options are available.
No additional details provided.
As Low As; OAC
As Low As
As Low As
Special Rates
As Low As
No additional details provided.
No additional details provided.
As Low As
No additional details provided.
Rate: 3.99% - 15.24%
As Low As; - Minimum of $1,000 loan
No additional details provided.
No additional details provided.
As Low As; Rates are subject to change without notice. Rates shown are for qualified borrowers. See credit union for details.
As Low As*
As Low As; Modal Year: 2025 & newer
As Low As
No additional details provided.
No additional details provided.
10% down
APR up to 15.00%
As Low As; Estimated Monthly Payment Examples: 36 monthly payments of $29.53 per $1,000 borrowed
As Low As; *
As Low As; Estimated Payment: $29.52 per $1,000 for 36 months
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
No additional details provided.
As Low As; APR*
No additional details provided.
No additional details provided.
As Low As
As Low As
No additional details provided.
Credit Score: 650-719
A+APR*
No additional details provided.
No additional details provided.
APR as low as
Year: 2025-2026
Credit Score: A 700 & Up
Tier A
Model year 2023 or newer
As Low As
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Application Fee: $40.00
As Low As; Terms up to 84 months available.**
Best APR: 2.50%
Best APR: 2.50%
Best APR: 2.50%
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Interest rates are subject to change due to credit ratings. Call for details.
As Low As; Minimum Invoice Amount: $30,000
As Low As
No additional details provided.
APR*
As Low As
No additional details provided.
As Low as
As Low As
No additional details provided.
Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Tesla financing requires 20% equity; 100% of Retail Value for most based on credit worthiness.
As Low As; APR includes Local Heroes Program Discount
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Zero Down Payment
No additional details provided.
No additional details provided.
No additional details provided.
APR*
As Low As; Model Years 2019-2025
As Low As; Model Years: 2019-2025
No additional details provided.
As low as
As Low As
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details provided.
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
Rate advertised is as low as and based on credit worthiness. Rate advertised includes a .50% discount on electronic payment from a United Teletech Checking Account and a .25% discount for new auto purchases. A new auto is defined as a motor vehicle that: 1) Has never been registered or titled in the name of a consumer, 2) Is from the current or most recent previous model year, and 3) Has less than 7,500 miles. Dealer rate match with proof of dealer offer. Rate must be reflected in firm offer of credit and is subject to underwriter approval. Loans over 90% CLTV may be subject to an increase in APR.
As Low As; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's). All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history.
As Low As; 2025 to 2026
As Low As; Application Fee: $40.00
Credit Score: 750+
As Low as
As low as; *
As Low As; *
No additional details provided.
1 Rates shown are for new and used vehicles model years 2021-2026. 2 See dealer for details.
No additional details provided.
As Low As
No additional details provided.
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; Est. Monthly Payment $29.61
As Low As
As Low As; Includes 0.75% discount for direct deposits of $1,000 or more per month into a Checking account and automatic loan payments made from the same account; 0.25% discount for a loan-to-value of <=80% (excluding warranty & GAP); 0.50% discount for having a combined average daily balance in deposit balances across accounts of $200,000 and above.
Minimum loan of $5,000
As Low As; Maximum Loan Amount: $150,000
As Low As
No additional details provided.
Model Years 2024-2026
Rates shown include a 1% discount for direct deposit and are subject to change without notice. Other terms available.
As Low As; Model Year: 2023-2027
As Low As
100% financing of purchase price, tax and license
As low as; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
As Low As; Maximum loan amount: $100,000 (includes motorcycles, boats, & RV's). All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. Rates assume excellent borrower credit history.
Min amt financed of $20,000 for terms ? 67 months
As Low As; Up to 120% Financing on Approved Credit
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Rates and terms are subject to change without notice. Monthly payment example per $1,000 borrowed on a loan term of 48 months at a rate of 3.00% Annual Percentage Rate is $42.98. APR varies based on model year, term, and credit score. All loans subject to approval. Membership required.
No additional details provided.
As Low As; Rates based on "A" credit rating - March 2026
As Low As
As Low As
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As; Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay. 100% financing available for qualified vehicles. Used Vehicle rates are based on J.D. Power book value. 84 Month Term for qualified vehicles and borrowers only. All rates are subject to change without notice.
As Low As; Certain restrictions apply.
**
Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. A 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
As Low As; (2025 - 2026)
APR as low as
As Low As
As Low As
As Low As
As Low As
No additional details provided.
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Discount already applied.
No additional details provided.
As Low As; APR * = Annual Percentage Rate
As Low As
Model Year 2027-2024
No additional details provided.
Credit Score: 750+
As Low As; Rates are subject to change without notice. Rates shown are for qualified borrowers. See credit union for details.
As Low As; Current and prior year
Model Year: 2023 - Newer
As Low As; Estimated Monthly Payment Examples: 48 monthly payments of $22.69 per $1,000 borrowed
As Low As; Estimated Payment: $18.53 per $1,000 for 60 months
New Auto Loan Rate Trends
Daily average APRs for new vehicle financing
Auto loan rate data from our database of 8,500+ banks and credit unions — updated daily.
New Auto Loan rates rose 0.035 points over the past 7 days to 5.764% APR, up from 5.730% last week.
Frequently Asked Questions about New Auto Loan Rates
What are the best new auto loan rates right now?
Why are new car loan rates lower than used?
Should I get pre-approved before visiting a dealership?
What credit score do I need for a good new car loan rate?
How does loan term affect a new car loan?
Top New Auto Loan Rates
- LONGSHOREMENS LOCAL 4: 1.99% APR (New vehicle Loan)
- Arkansas AM&N College Federal Credit Union: 1.99% APR (New Auto Loan)
- Cooperative Credit Union: 2.00% APR (NEW Auto 2025-2026 Mileage Under 10,000)
- Triboro Postal Federal Credit Union: 2.25% APR (New Car Loan)
- WEPCO Federal Credit Union: 2.49% APR (New or Used Vehicle Loans)
Rates & Resources
Search New Auto Loan Rates by State
