Best Auto Loan Rates (National) - July 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: LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 41209 Ingalls St, Vancouver, WA, 98660 2722A+5.0 ★Texas Ratio: 0.85%'s New vehicle Loan has an APR of 1.99%, Triboro Postal Federal Credit UnionTriboro Postal Federal Credit Union14202 20th Ave, Flushing, NY, 11351 3000A+5.0 ★Texas Ratio: 0.75%'s New Car Loan has an APR of 2.25%, WEPCO Federal Credit UnionWEPCO Federal Credit Union12511 Winchester Rd SW, LaVale, MD, 21502A+5.0 ★Texas Ratio: 3.46%'s New or Used Vehicle Loans has an APR of 2.49%, Instep Credit UnionInstep Credit Union400 Russell Ave Bldg 509, New Orleans, LA, 70143 5077A5.0 ★Texas Ratio: 7.38%'s New and Used Auto has an APR of 2.50%, and Southern Federal Credit UnionSouthern Federal Credit Union1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023A+5.0 ★Texas Ratio: 3.11%'s Auto Loans has an APR of 2.50%. Auto loan rates as of Jul 14, 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: Jul 14, 2026
Auto Loan Rates
As low as 1.99%
20 - 21
As Low As
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms up to 72 months. Other rates and terms available. Rate determined by credit worthiness, and not all applicants will qualify. Refinancing not valid on current Instep Credit Union Loans. For example, a $20,000 auto loan with a term of 72 months and an APR of 2.50% would have a monthly payment of $299.46. Interest will continie to acrrue during the 60-day no-payment period. Offer subject to change at any time and without notice. See credit union for details. Federally insured by NCUA. Join the celebration. Apply today.
As low as; Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing. Loan terms available up to 84 months. Rates of 2.50% to 14.90% APR available depending on term.
Credit Score: A++ 750+
* Interest Rate may vary depending on ones credit worthiness and term of loan.
* Interest Rate may vary depending on ones credit worthiness and term of loan.
Best APR
80% Retail Value
Credit Score: 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%
As low as
No additional details provided.
No additional details provided.
No additional details provided.
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
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.
As Low As
As Low As; Modal Year: 2025 & newer
As Low As; Modal Year: 2020-2025
With qualifying credit and direct deposit with automatic payment.
As Low As
No additional details provided.
No additional details provided.
Credit Score: A 700 & Up
Refinance Options Available
100% Retail Value
Credit Score: A+ 720-749
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
As Low As; Maximum term to 36 months
As Low As; (Autos up to 10 years old)
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Rates are variable and subject to change. See loan officer for details.
As Low As; 10% Down Payment
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
As Low As; Model Year: 2025 and newer
APR*
APR*
APR*
Rates As Low As*
Rates As Low As*
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.
100% Financing
New Auto Auto Loan Rates
As low as 1.99%
20 - 21
As Low As
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms up to 72 months. Other rates and terms available. Rate determined by credit worthiness, and not all applicants will qualify. Refinancing not valid on current Instep Credit Union Loans. For example, a $20,000 auto loan with a term of 72 months and an APR of 2.50% would have a monthly payment of $299.46. Interest will continie to acrrue during the 60-day no-payment period. Offer subject to change at any time and without notice. See credit union for details. Federally insured by NCUA. Join the celebration. Apply today.
Credit Score: A++ 750+
* Interest Rate may vary depending on ones credit worthiness and term of loan.
80% Retail Value
Credit Score: A+ 720-749
As Low As; 72 month term rates begin at 2.99%; Financing available up to 100% of value
As low as
No additional details provided.
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.
As Low As
As Low As; Modal Year: 2025 & newer
With qualifying credit and direct deposit with automatic payment.
As Low As
Credit Score: A 700 & Up
Refinance Options Available
100% Retail Value
Credit Score: A+ 720-749
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
*** Rate applies to new vehicles.
As Low As; (Autos up to 10 years old)
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Rates are variable and subject to change. See loan officer for details.
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
As Low As; Model Year: 2025 and newer
APR*
APR*
APR*
Rates As Low As*
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.
100% Financing
As low as
Credit Score: A+ 720-749
As low as; New Vehicles
APR* - From 81% to 100% LTV Ratio
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and 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.
No additional details provided.
No additional details provided.
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
No additional details provided.
As Low As; *
As Low As; 100% financing; Vehicles 2025 or newer, up to 72 month term - new cars only.
Special!
Used Auto Auto Loan Rates
As Low As
Rates shown above are the lowest offered by Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms up to 72 months. Other rates and terms available. Rate determined by credit worthiness, and not all applicants will qualify. Refinancing not valid on current Instep Credit Union Loans. For example, a $20,000 auto loan with a term of 72 months and an APR of 2.50% would have a monthly payment of $299.46. Interest will continie to acrrue during the 60-day no-payment period. Offer subject to change at any time and without notice. See credit union for details. Federally insured by NCUA. Join the celebration. Apply today.
* Interest Rate may vary depending on ones credit worthiness and term of loan.
Best APR
As Low As; 72 month term rates begin at 2.99%
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.
As Low As
As Low As; Modal Year: 2020-2025
With qualifying credit and direct deposit with automatic payment.
No additional details provided.
No additional details provided.
Refinance Options Available
As Low As; Maximum term to 36 months
As Low As; (Autos up to 10 years old)
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Rates are variable and subject to change. See loan officer for details.
As Low As; Minimum Financing of $10,000 for 60 Months
Rates As Low As*
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.
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and 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
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
*** Rate applies to used vehicles.
No additional details provided.
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
No additional details provided.
As Low As; *
As Low As; Payment: $29.30 per $1,000
No additional details provided.
2016-2019
No additional details provided.
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As
No additional details provided.
No additional details provided.
As Low As; Used Auto
APR*
APR*
APR*
Rate includes *
No additional details provided.
As Low As
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.
No additional details provided.
NADA Retail Value Maximum
100% NADA Retail Value
National Auto Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
New Auto Loan rates rose 0.090 points this week to 5.818%, up from 5.728% last week.
Used Auto Loan rates rose 0.048 points this week to 6.548%, up from 6.500% last week.
Auto Loan Rate Trends
Weekly average APRs. Hover to see exact rates for each week.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our nationwide auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates nationwide directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Comprehensive National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products across the country. We feature a comprehensive mix of lenders — from neighborhood credit unions and regional banks to large national auto lenders available to borrowers in all 50 states.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
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?
Should I finance through the dealership?
Top National Auto Loan Rates
- LONGSHOREMENS LOCAL 4: 1.99% APR (New vehicle Loan)
- Triboro Postal Federal Credit Union: 2.25% APR (New Car Loan)
- WEPCO Federal Credit Union: 2.49% APR (New or Used Vehicle Loans)
- Instep Credit Union: 2.50% APR (New and Used Auto)
- Southern Federal Credit Union: 2.50% APR (Auto Loans)
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