Best New Auto Loan Rates — October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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New auto loan rates range from 1.99% to 3.99% APR, verified by MonitorBankRates as of Oct 10, 2026. Top best new auto loan rates rates currently available include: Longshoremen's Local 4 FCU's New vehicle Loan at 1.99% APR, Belton Federal Credit Union's New Vehicle Loan at 1.99% APR, Mclennan County Employees Federal Credit Union's New Vehicles - With Approved Credit Loan at 2.00% APR, Cooperative Credit Union's New Auto Loan at 2.00% APR, and Triboro Postal Federal Credit Union's New Car Loan at 2.25% APR. Rates as of Oct 10, 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: Oct 10, 2026
Compare New Auto Loan Rates
As low as
1 yr. old or newer vehicles. Pending credit approval
As Low As; Monthly Payments; APR Type: Fixed
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000; Loan rates and terms vary depending on year and mileage of vehicle and credit score
20 - 21
As Low As; Monthly Payments; APR Type: Fixed
As Low As; Rates effective as of September 1, 2026
As Low As; Fixed
Credit Grade: A++ (750+)
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Grade: A+ (800+); Credit score based on TransUnion TruVision
As Low As; Fixed rate for the life of the loan; Rates published as APR
May borrow up to 100% of book value, plus sales tax
Published APR range: 2.99% - 18%.
As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
As Low As; Maximum Loan Amount: $120,000.00
Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant
As Low As; New Auto Loans - as low as 2.99%
As Low As; New Auto Loans - as low as 2.99%
Up to 70% LTV
Rates below are based on a minimum credit score of 700.
Grade: Platinum; Collateral Value: 100% LTV
Refinance Options Available; APR available to borrowers who meet credit requirements
As Low As; Auto Loan Rates
Amount Down: 50% or more; Model Year: 2027/2026 New Auto
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner). (New Vehicles less than $10,000.00 will be financed no longer than 60 Months)
GAP (Guaranteed Asset Protection) Insurance Available
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Maximum APR: 12.50%
- Oct 9, 20263.00%▼ from 3.50%
- Sep 14, 20263.50%first recorded
No additional details provided.
Rates as low as 3.00% APR on qualifying 2025-2026 vehicle loans.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Published APR range: 3.15% - 9.15%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
As Low As; Rates effective 01/01/2026
As Low As; Up to one model year old
Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026
Published APR range: 3.24% - 14.49%.
Published APR range: 3.25% - 8.00%.
Published APR range: 3.25% -8.25%.
Published APR range: 3.25% - 14.75%. Model Years: 2017-2026
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Maximum Loan $55,000.00; Rates available to current members only
As Low As
LTV Ratio: 81% to 100%
LTV Ratio: 81% to 100%
As Low As; Maximum term for qualified borrowers; APR determined at application based on credit factors
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Maximum APR: 12.75%
- Oct 9, 20263.25%▼ from 3.75%
- Sep 14, 20263.75%first recorded
No additional details provided.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.25%-13.00%. 100% Financing
Term: 36 months to 72 months; Published APR range: 3.251% - 16.001%. Financing up to 90% of Kelley's Blue Book value; vehicle must be less than 7 years old; up to $40K for a new car or $35K for a used car; Term depends on age of vehicle; Application fee: $20.00; Requires vehicle description, most recent two pay stubs, proof of rent or mortgage, $50.00 deposit balance, credit union membership and capacity to repay
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
Current Interest Rate Loan Special
As Low As; Auto & Recreational Loans
Published APR range: 3.35% - 18.00%.
Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
No additional details provided.
Published APR range: 3.47% to 18.00%. APR Type: Fixed; 72 months for $40,000 and above
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Vehicles 2025 or newer, new cars only. Amount Financed: 100% financing
Special!
Special!
Special!
Special!
As Low As; APR as low as; Monthly Payment per $1000 not extracted; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
Published APR range: 3.49% - 18.00%.
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2026-2025
As Low As
As Low As; With Direct Deposit (minimum $500 per month); New vehicles 2026 & 2025 models with 10,000 miles or less
As Low As; Evergreen Advantage rate
As Low As; Evergreen Advantage rate
As Low As; Financing: 100%; Subject to approval based on credit score
Credit Score: 750 plus
- Oct 9, 20263.49%▼ from 13.99%
- Sep 21, 202613.99%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
APR range: 3.49% - 17.99%
As Low As; Model Year: 2025-2026
Rates based on credit scores; excludes MCU refinances; Payment per $1,000 not included
Rates based on credit scores; excludes MCU refinances
Rates based on credit scores; excludes MCU refinances
Rates based on credit scores; excludes MCU refinances
Rate/APR as low as; Auto rates effective 02/24/2025
As Low As; % Over Index: N/A
Base APR; Financing Term: 12-24 months
As low as
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20263.49%▲ from 3.24%
- Sep 18, 20263.24%first recorded
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
As Low As; *
Payment:
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
Published APR range: 3.50% - 9.00%.
As Low As; Loan Amount: 100% Financing
Grade: Platinum; Collateral Value: 100% LTV
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
GAP (Guaranteed Asset Protection) Insurance Available
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
As Low As; Model Year: 2025-2024 New
As Low As; APR and up
As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment
Additional APR listed for this product: 3.75%, 5.25%. As Low As*
Additional APR listed for this product: 4.00%, 5.50%. As Low As*
Additional APR listed for this product: 3.75%, 4.25%, 5.75%. As Low As*
Credit Scores: 800-850; Percent Financed: 100%
Maximum APR: 13.00%
- Oct 9, 20263.50%▼ from 4.00%
- Sep 14, 20264.00%first recorded
No additional details provided.
Credit Score: B 625-699
- Sep 18, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Credit Score: A 700-above; 80% Financing, 20% down required; Includes recreational vehicle loans
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; APR disclosed as simple interest on unpaid balance; Rate based on creditworthiness and term of loan
Amount Financed: 100% NADA Retail/MSRP; APR range: 3.50-9.25%
No additional details provided.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. 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%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.50% - 13.75%.
Published APR range: 3.50%-14.00%.
As Low As; Effective as of July 17, 2026
Range: 3.59% - 14.69% APR; 30% down for lowest rate; Rate is determined by credit risk score; We lend 100% of Kelly Blue Book - New Car Guide
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Oct 6, 20263.59%▼ from 4.24%
- Sep 14, 20264.24%first recorded
Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000
As Low As; Evergreen Advantage rate
No additional details provided.
As low as
As low as**; ***; Maximum Loan Amount: $150,000
Published APR range: 3.74% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
As low as; *
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As
As Low As
Amount Financed: $65,000.00 or less. will finance 100%
No additional details provided.
As Low As; Rates effective 01/01/2026
Published rate range: 3.74 - 15.49%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
As Low As; Evergreen Advantage rate
Model Year: NEW; New vehicles only
As Low As; Rate quoted on 36m term; Collateral: 2025 or newer; Mileage: 10,000 or less; Rates based on term selected
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only; discounts: Direct Deposit (.25%), Automatic Payment (.25%), 85% or lower of vehicle value (.25%) or DAD deal (.25%)
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Min. Loan Amount: $5,000.00; New vehicle - current or prior year only
As Low As; The "as low as" rate of 4.74% APR includes a 0.25% rate discount for Payment Protection coverage OR active checking with a full payroll direct deposit of $2,000 or more per month. Payment example: A fully protected loan of $20,000 at 4.74% APR would have a monthly payment of $597.12 for 36 months. Loan terms can be extended for Payment Protection. Some restrictions apply. See lender for details. Rate is subject to change at any time without notice. Equal Opportunity Lender.
Rates shown are starting rates. Rates are subject to change at any time. Your actual APR* may vary based on creditworthiness, loan amount, loan term, collateral, and other underwriting factors. Membership and eligibility requirements apply. A 0.25% rate discount is included in the rates shown for members who enroll in AutoPay with direct deposit from a PDCU checking or savings account.
Vehicle Year: 2023 and Newer; Existing CCNCU loans excluded; All rates subject to credit approval; APR varies by loan length, credit score, and collateral value
As Low As; Vehicle Loan; ACU Rewards offers a .7% reduction in APR if you qualify
As Low As; Auto rates effective 02/24/2025
As Low As; Fewer than 7,500 miles
As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.
Published APR range: 3.75% - 9.75%.
As low as
Grade: Platinum; Collateral Value: 100% LTV
No additional details provided.
Published APR range: 3.75% - 15.25%. Model Years: 2017-2026
As Low As; Amount: up to 120%
As Low As; Credit Range: 740 and UP; Type: A+
As Low As; Cars, Trucks, Motorcycles
Published APR range: 3.75-16.15%.
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Auto loan special; 5 Year Term
As Low As; New car (3 years old or newer); Rate as high as: 9.75% APR
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
Effective October 1, 2026; Financing: Up to 80%; 0.25% discount with automatic transfer from Nova UA checking; 0.25% higher without automatic transfer
Effective October 1, 2026; Financing: Up to 80%; 0.25% discount with automatic transfer from Nova UA checking; 0.25% higher without automatic transfer
LTV Ratio: 81% to 100%
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Model Year: 2025 and 2026 vehicles with 15,000 miles or less
As Low As; Maximum term for qualified borrowers; APR determined at application based on credit factors
Credit Grade: A (650-719)
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
As Low As; $100,000 Max-100% of Invoice Including Sales Tax on New Vehicles - 100% Retail J.D. Power Loan Value With No Options on Used Vehicles
- Oct 5, 20263.75%▲ from 3.50%
- Sep 17, 20263.50%first recorded
Purchase/Refinance; Max 100k miles; Max 85k miles; Max 50K miles; Minimum loan amount $40k; add .5% for cash out
Purchase/Refinance; add .5% for cash out; Max 100k miles, Max 85k miles, Max 50K miles; Minimum loan amount $40k
Risk based scoring premium may apply by FICO score
- Oct 5, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Credit Score: 760+; Credit Tier: A+
Credit Score: 750 plus
- Oct 9, 20263.75%▼ from 13.99%
- Sep 21, 202613.99%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Model Year: 2023-2026
NEW (2023-2026)
Additional APR listed for this product: 4.25%, 4.75%, 6.25%. As Low As*
Additional APR listed for this product: 4.00%, 6.00%, 7.45%. As low as
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
APR range: 3.75% - 7.00%
As Low As; Loan Rates Effective: October 1, 2026
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Current Year (Less Than 15,000 miles); APR range: 3.75% to 16.45%
Current Year (Less Than 15,000 miles); APR range: 3.75% to 16.95%
Current Year (Less Than 15,000 miles); APR range: 3.75% to 17.20%
As Low As; APR range
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.75%-15.00%.
Rates shown are the lowest available from Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms avaiable up to 72 months; other rates and terms are also available. Rates are current as of the date published, are subject to change without notice, and are based on credit worthiness. Not all applicants will qualify, and your rate may differ. Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25& APR discount for a 48-month loan term. Terms and conditions apply. Example payment: A $20,000 auto loan finaced for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accruse during the no-payment period. See the credit union for complete details. Federally insured by NCUA.
- Oct 6, 20263.75%▲ from 3.25%
- Sep 30, 20263.25%first recorded
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; New vehicles include current year or 1-2 prior year model vehicles with less than 30,000 miles
As Low As; Rates effective September 11th, 2026
As Low As; Effective as of July 17, 2026
No additional details provided.
Model Year: 2022 - 2026; Rates effective as of 8/03/26
As Low As; 7 years or newer model years.
- Oct 10, 20263.79%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; *
Published APR range: 3.84% - 7.60%. Based on Credit Score. Minimum auto loan amount is $10,000.00. These discounted rates apply to members who have a minimum monthly GSA FCU direct deposit of $150.00. If the minimum GSA FCU direct deposit requirement is not met, .25% will be added to the members qualified rate.
As Low As; Evergreen Advantage rate
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
- Sep 18, 20263.84%▼ from 4.74%
- Sep 14, 20264.74%first recorded
Vehicle: New; Additional qualifications may apply
Vehicle: New; Additional qualifications may apply
Vehicle: New; Additional qualifications may apply
Advertised: 3.85% APR for up to 72 Months
As Low As; Loan Rates table, Annual Percentage Rate (APR)
As Low As
As Low As; Rates subject to change.
Vehicle: Used 2023 & Newer; Additional qualifications may apply
Published APR range: 3.89% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
As Low As
As Low As
As Low As
As Low As
As Low As; Effective as of July 17, 2026
Purchase transaction only. Other conditions may apply.
No additional details provided.
As Low As
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify. Rates determined by past credit performance. Up to 15% down payment and tax, title, and license may be required.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify. Rates determined by past credit performance. Up to 15% down payment and tax, title, and license may be required.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify. Rates determined by past credit performance. Up to 15% down payment and tax, title, and license may be required.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify. Rates determined by past credit performance. Up to 15% down payment and tax, title, and license may be required.
Up to retail value (rates as of 03/18/2026)
Published APR range: 3.90% - 9.90%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less
Published APR range: 3.90% - 9.90%. 72 months on $20k+ - $84 months on $30k+; * to be considered a NEW vehicle - 25k miles or less - 3 model years or less
Rate includes auto-pay discount of .25%
- Oct 6, 20263.90%▲ from 3.70%
- Sep 18, 20263.70%first recorded
No additional details provided.
As Low As; .75% discount with direct deposit and automatic payment from Community Choice checking
Published APR range: 3.94% - 14.00%. 100% Financing**
100% Financing
100% Financing
100% Financing
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.65%
- Sep 17, 20264.65%first recorded
As Low As; Displayed rates available to well-qualified applicants
- Oct 5, 20263.95%▼ from 4.99%
- Sep 17, 20264.99%first recorded
Published APR range: 3.95% - 18.00%. Minimum loan amount: $20,000.00
No additional details provided.
Grade: A+ (800+); Credit score based on TransUnion TruVision
Grade: A (720-799); Credit score based on TransUnion TruVision
As Low As; Fixed rate for the life of the loan; Rates published as APR
APR range: 3.95% - 15.25%; Rate Type: Fixed
No additional details provided.
As low as**; ***; Maximum Loan Amount: $150,000
Term: 48 months - 84 months; Published APR range: 3.99%-9.74%. Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. WRFCU will finance up to 100% on new model year vehicles of the purchase price plus dealer costs. WRFCU uses Kelly Blue Book (KBB) Values to determine value of used vehicles. WRFCU will finance up to 100% KBB Value on used vehicles. Terms of 72 and 84 Months require a minimum loan of $20,000.
As Low As*
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Amount: 90% Financing
May borrow up to 100% of book value, plus sales tax; $10,000 minimum for 37-60 months
No additional details provided.
As Low As; Model Year: 2023 - 2027
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
As Low As; New or used vehicle
As Low As; Terms up to 24 months
No additional details provided.
No additional details provided.
With credit score of 700 and above
No additional details provided.
No additional details provided.
OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.
As low as
Best Rate
As Low As
As Low As
As Low As
As Low As; Auto 0-48 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; APR*; rates for a limited time only, certain restrictions apply
Term: Maximum term to 60 months; As Low As
Term: Maximum term to 72 months; As Low As
Published rate range: 3.99 - 15.74%. Rate based on credit score, term, model year, amount financed, and relationship pricing
As Low As; Minimum of $1,000 loan
Loan Interest Rates - October 2026; Vehicles
Loan Interest Rates - October 2026; Vehicles
Loan Interest Rates - October 2026; Vehicles
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $44; Model Year: 2025 - 2027
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $30; Model Year: 2025 - 2027
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $23; Model Year: 2025 - 2027
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $19; Model Year: 2025 - 2027
As Low As; APR as low as; New autos not previously owned and/or under 10,000 miles; includes .50% reduction for eStatements and Automatic Payments enrollment; Estimated payment per $1,000: $16; Model Year: 2025 - 2027
As Low As; Max Mileage for Auto Loans is 150,000
Rates effective January 20, 2025; advertised rates based on Premier FICO 750+
As Low As; Membership eligibility required; APR varies by credit score and selected term (risk-based pricing)
As Low As
As Low As; Rates current as of August 1, 2026
As Low As; Model Year: 2026 and newer; APR determined by credit score and model year
As Low As; Amount: 100% Financing
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
As Low As; Model years 2025 or newer
As Low As; Model years 2025 or newer
As Low As; Model Year: 2022-2027; Rate based on member relationship; membership eligibility required
As Low As; Depending on Age; Rates effective as of 1/1/2026
Model Years 2024-2026; lowest possible APR with qualification
As Low As
As Low As
Rates may be higher based on credit score; Certain Conditions Apply
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 0.003 points over the past 7 days to 5.968% APR, up from 5.965% last week.
Bad Credit Auto Loans
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 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?
Can I get an auto loan with bad credit?
What is the average car loan rate for bad credit?
Top New Auto Loan Rates
- Longshoremen's Local 4 FCU: 1.99% APR (New vehicle Loan)
- Belton Federal Credit Union: 1.99% APR (New Vehicle Loan)
- Mclennan County Employees Federal Credit Union: 2.00% APR (New Vehicles - With Approved Credit Loan)
- Cooperative Credit Union: 2.00% APR (New Auto Loan)
- Triboro Postal Federal Credit Union: 2.25% APR (New Car Loan)
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