Best Auto Loan Rates (National) - June 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: 0.85%'s New vehicle Loan has an APR of 1.99%, LONGSHOREMENS LOCAL 4LONGSHOREMENS LOCAL 41209 Ingalls St, Vancouver, WA, 98660 2722A+5.0 ★Texas Ratio: 0.85%'s Used vehicle (1-2 years old) Loan has an APR of 1.99%, Cooperative Credit UnionCooperative Credit Union313 W 9th St, Coffeyville, KS, 67337 5813A+5.0 ★Texas Ratio: 2.06%'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: 0.75%'s New Car Loan has an APR of 2.25%. Auto loan rates as of May 29, 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 29, 2026
Auto Loan Rates
90% of MSRP Rate depends on credit rating
As Low As
1.99% to 8.75%
No additional details provided.
20 - 21
As Low As
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
No additional details provided.
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up to 84 months
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As Low As
As Low As
As Low As
No additional details provided.
Score A: 700 and Up (Max $50,000 and Up)
Discounted Rate
No additional details provided.
Amount Financed: 80% Retail Value
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Grade: A+ (800+)
As low as
As Low As
As Low As; Modal Year 2025 & newer
As Low As; Modal Year 2020-2025
As Low As
As Low As
No additional details provided.
No additional details provided.
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Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
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As Low As
Amount Financed: 100% Retail Value
No additional details provided.
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As Low As
special rate up to 24 months*
special rate up to 24 months*
No additional details provided.
As Low As
As Low As; APR - 2026 & Newer
As Low As
As Low As
New Auto Auto Loan Rates
90% of MSRP Rate depends on credit rating
As Low As
No additional details provided.
20 - 21
As Low As
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
As Low As
No additional details provided.
Discounted Rate
No additional details provided.
Amount Financed: 80% Retail Value
No additional details provided.
As low as
As Low As; Modal Year 2025 & newer
As Low As
As Low As
No additional details provided.
No additional details provided.
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
No additional details provided.
Amount Financed: 100% Retail Value
No additional details provided.
No additional details provided.
No additional details provided.
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special rate up to 24 months*
No additional details provided.
As Low As
As Low As; 2025 and newer
No additional details provided.
As Low As; Minimum Financing of $10,000 for 60 Months
No additional details provided.
As Low As
Score A: 700 and Up (Max $60,000 and Up)
No additional details provided.
No additional details provided.
As Low As
From 81% to 100% LTV Ratio
2025-2026 (will finance 1st tag and GAP Insurance)
As Low As
No additional details provided.
No additional details provided.
100% Financing
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
From 12 to 60 Months
Used Auto Auto Loan Rates
1.99% to 8.75%
As Low As
No additional details provided.
No additional details provided.
As Low As
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
Grade: A+ (800+)
As low as
As Low As; Modal Year 2020-2025
As Low As
As Low As
No additional details provided.
No additional details provided.
As Low As
special rate up to 24 months*
As Low As
No additional details provided.
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
No additional details provided.
No additional details provided.
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
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As Low As
As Low As
As Low As; Fewer than 100,000 miles
As Low As
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
As Low As
2016-2019
Score A: 700 and Up (Max $50,000 and Up)
No additional details provided.
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.
From 81% to 100% LTV Ratio
As Low As; **Loan rate starting at..., based on credit score.; Loyalty Discounts Available
National Auto Loan Rate Trends
Weekly national average APRs — compiled from 8,500+ banks & credit unions, updated nightly.
New Auto Loan rates fell 0.011 points this week to 5.696%, down from 5.707% last week.
Used Auto Loan rates fell 0.010 points this week to 6.551%, down from 6.561% 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
- Arkansas AM&N College Federal Credit Union: 1.99% APR (New Auto Loan)
- LONGSHOREMENS LOCAL 4: 1.99% APR (New vehicle Loan)
- LONGSHOREMENS LOCAL 4: 1.99% APR (Used vehicle (1-2 years old) Loan)
- 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 Loan)
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