Best Auto Loan Rates (National) - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Star Ratings
- Finance Calculators
Current highly competitive national auto loan options include: SUNY Fredonia Federal Credit UnionSUNY Fredonia Federal Credit Union280 CENTRAL AVE, FREDONIA, NY, 14063 1127A+5.0 ★Texas Ratio: 0.82%'s New Vehicle Loans 2024 or Newer (A+, A Credit Scores) has an APR of 1.90%, Arkansas AM&N College Federal Credit UnionArkansas AM&N College Federal Credit Union2020 W Reeker Ave, Pine Bluff, AR, 71601A+5.0 ★Texas Ratio: 3.89%'s New Auto Loan has an APR of 1.99%, LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 41209 Ingalls St, Vancouver, WA, 98660 2722A+5.0 ★Texas Ratio: 1.72%'s New vehicle has an APR of 1.99%, Cooperative Credit UnionCooperative Credit Union313 W 9th St, Coffeyville, KS, 67337 5813A+5.0 ★Texas Ratio: 2.10%'s NEW Auto 2025-2026 Mileage Under 10,000 Tier A+ has an APR of 2.00%, and Triboro Postal Federal Credit UnionTriboro Postal Federal Credit Union14202 20th Ave, Flushing, NY, 11351 3000A+5.0 ★Texas Ratio: 0.76%'s New Car has an APR of 2.25%. Auto loan rates as of Apr 18, 2026 according to verified data from MonitorBankRates.
Finding the lowest auto loan rate can save you thousands of dollars over the life of your loan. Whether you are buying a new vehicle from a dealership or financing a pre-owned car, comparing current loan options across top-rated local lenders and national banks is critical.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—ensuring you can confidently choose a stable, highly-rated institution for your next vehicle purchase.
Auto loan rates reflect recent market quotes and representative offers available to borrowers nationwide. Auto Loan Rates Last Updated and Verified: Apr 18, 2026
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As low As 1.99%. 90% of MSRP Rate depends on credit rating
As Low As
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20 - 21
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As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
Score A: 700 and Up (Max $60,000 and Up)
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up to 84 months
A++ 750+
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As Low As
As Low As
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Score A: 700 and Up (Max $50,000 and Up)
80% Retail Value
A+ 720-749
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
As Low As; 72 month term rates begin at 2.99%
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Grade: A+ (800+)
Grade A+ (800+)
As Low As; Apply Now
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As Low As; Modal Year: 2025 & newer
As Low As; Modal Year: 2020-2025
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As Low As
As Low As
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Score A: 700 and Up (Max $60,000 and Up)
100% Retail Value
A+ 720-749
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As Low As; (Autos up to 10 years old)
As Low As
As Low As
As Low As
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As Low As
As Low As; Model Year: 2025 and newer
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As low As 1.99%. 90% of MSRP Rate depends on credit rating
As Low As
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20 - 21
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As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
Score A: 700 and Up (Max $60,000 and Up)
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A++ 750+
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As Low As
As Low As
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80% Retail Value
A+ 720-749
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
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Grade: A+ (800+)
As Low As; Apply Now
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As Low As; Modal Year: 2025 & newer
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Score A: 700 and Up (Max $60,000 and Up)
100% Retail Value
A+ 720-749
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As Low As; (Autos up to 10 years old)
As Low As
As Low As
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As Low As; Model Year: 2025 and newer
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Score A: 700 and Up (Max $60,000 and Up)
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As Low As
As Low As; From 81% to 100% LTV Ratio
2025-2026 (will finance 1st tag and GAP Insurance)
As Low As
A+ 720-749
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As Low As; 100% Financing
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Score A: 700 and Up (Max $50,000 and Up)
As Low As; 72 month term rates begin at 2.99%
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Grade A+ (800+)
As Low As; Apply Now
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As Low As; Modal Year: 2020-2025
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As Low As
As Low As; (Autos up to 10 years old)
As Low As
As Low As
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As Low As
Score A: 700 and Up (Max $50,000 and Up)
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Application fee: $20.00
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Used Auto Loans: Up to 24 months
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As Low As
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As Low As
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As Low As
As Low As
As Low As; Fewer than 100,000 miles
As Low As; for 36 months at $29.30 per $1,000
2016-2019
100% NADA Retail/MSRP
Score A: 700 and Up (Max $50,000 and Up)
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As Low As; All model years
100% NADA Retail Value
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
From 81% to 100% LTV Ratio
As Low As; **Loan rate starting at..., based on credit score.
A++ 750+
As Low As
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As Low As
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National Auto Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
New Auto Loan rates fell 0.096 points this week to 5.707%, down from 5.803% last week.
Used Auto Loan rates fell 0.070 points this week to 6.518%, down from 6.588% last week.
Auto Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Frequently Asked Questions
Is it better to get an auto loan from a bank or credit union?
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Top National Auto Loan Rates
- SUNY Fredonia Federal Credit Union: 1.90% APR (New Vehicle Loans 2024 or Newer (A+, A Credit Scores))
- Arkansas AM&N College Federal Credit Union: 1.99% APR (New Auto Loan)
- LONGSHOREMENS LOCAL 4: 1.99% APR (New vehicle)
- Cooperative Credit Union: 2.00% APR (NEW Auto 2025-2026 Mileage Under 10,000 Tier A+)
- Triboro Postal Federal Credit Union: 2.25% APR (New Car)
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