Best Auto Loan Rates (National) - May 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: 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%, 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%, and Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit Union50 W Commerce Rd, Richmond, VA, 23224 2316A+5.0 ★Texas Ratio: 0.93%'s New and Used Vehicles has an APR of 2.49%. Auto loan rates as of May 6, 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: May 6, 2026
90% of MSRP Rate depends on credit rating
As Low As
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20 - 21
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As Low As
As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
up to 84 months
A++ 750+
No additional details provided.
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As Low As
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Score A: 700 and Up (Max $50,000 and Up)
Discounted Rate
Amount Financed: 80% Retail Value
A+ 720-749
No additional details provided.
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As Low As
Grade: A+ (800+)
Grade: A+ (800+)
No additional details provided.
As Low As
As Low As; 2025 & newer
As Low As; 2020-2025
No additional details provided.
As Low As
As Low As
No additional details provided.
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Score A: 700 and Up (Max $60,000 and Up)
Amount Financed: 100% Retail Value
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
A+ 720-749
As Low As
No additional details provided.
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As Low As
special rate up to 24 months*
special rate up to 24 months*
As Low As; (Autos up to 10 years old)
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
90% of MSRP Rate depends on credit rating
As Low As
No additional details provided.
20 - 21
No additional details provided.
As Low As
As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
A++ 750+
No additional details provided.
No additional details provided.
No additional details provided.
Discounted Rate
Amount Financed: 80% Retail Value
A+ 720-749
No additional details provided.
As Low As
Grade: A+ (800+)
No additional details provided.
As Low As
As Low As; 2025 & newer
No additional details provided.
No additional details provided.
Score A: 700 and Up (Max $60,000 and Up)
Amount Financed: 100% Retail Value
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
A+ 720-749
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
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special rate up to 24 months*
As Low As; (Autos up to 10 years old)
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
As Low As; Model Year: 2025 and newer
No additional details provided.
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As Low As
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
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
No additional details provided.
As Low As; 100% Financing
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As Low As
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As Low As
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
As Low As
Grade: A+ (800+)
No additional details provided.
As Low As
As Low As; 2020-2025
No additional details provided.
As Low As
As Low As
special rate up to 24 months*
As Low As; (Autos up to 10 years old)
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
As Low As
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
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Application fee: $20.00
No additional details provided.
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As Low As
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As Low As; Minimum Financing of $15,000 for 72 Months
As Low As
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As Low As
As Low As; Fewer than 100,000 miles
2016-2019
As Low As
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.
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
As Low As; All Years**
As Low As; All model years, Up to 36 months
Amount Financed: 100% NADA Retail Value
From 81% to 100% LTV Ratio
As Low As; **Loan rate starting at..., based on credit score.
A++ 750+
As Low As
National Auto Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
New Auto Loan rates fell 0.001 points this week to 5.702%, down from 5.703% last week.
Used Auto Loan rates rose 0.097 points this week to 6.519%, up from 6.422% 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?
What is a good APR for a car loan?
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Top National Auto Loan Rates
- 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)
- Richmond Heritage Federal Credit Union: 2.49% APR (New and Used Vehicles)
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