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Auto Loan Rates in Alaska (AK) for May 2026

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Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Alaska. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Alaska include TONGASSTONGASS2000 Tongass Ave, Ketchikan, AK, 99901 6046A+5.0 ★Texas Ratio: 0.00% offering New & Used Auto Loans at 2.50%, NORTHERN SKIESNORTHERN SKIES1001 E Benson Blvd, Anchorage, AK, 99508A+5.0 ★Texas Ratio: 2.27% offering New Auto Loan at 4.99%, TRUE NORTHTRUE NORTH2777 Postal Way, Juneau, AK, 99801A+5.0 ★Texas Ratio: 0.00% offering Autos at 5.45%, Alaska District Engineers Federal Credit UnionAlaska District Engineers Federal Credit Union2204 3RD ST STE 10, JBER, AK, 99506 1518A+5.0 ★Texas Ratio: 0.51% offering New/Used Auto at 5.50%, MAC Federal Credit UnionMAC Federal Credit Union3700 Santiago St, Fort Wainwright, AK, 99703A5.0 ★Texas Ratio: 9.47% offering New Vehicles at 6.39%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across Alaska side-by-side. Alaska auto loan rates currently start as low as 2.50% APR from TONGASS at 2000 Tongass Ave, Ketchikan, AK, 99901 6046. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Alaska. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in Alaska

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 12, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK, 99508
New Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 84 months (APR may vary)

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK, 99508
Used Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 84 months (APR may vary)

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2777 Postal Way, Juneau, AK, 99801
Autos
5.45%
12-60 months
View
▼
APR5.45%
Term12-60 months
Last UpdatedMay 12, 2026
Details

As Low As

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
2204 3RD ST STE 10, JBER, AK, 99506 1518
New/Used Auto
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details

84 months max

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 12, 2026
Details

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2777 Postal Way, Juneau, AK, 99801
Autos
5.65%
84 months
View
▼
APR5.65%
Term84 months
Last UpdatedMay 12, 2026
Details

As Low As

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
3700 Santiago St, Fort Wainwright, AK, 99703
New Vehicles
6.39%
120 months
View
▼
APR6.39%
Term120 months
Last UpdatedMay 6, 2026
Details

As Low As

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
3700 Santiago St, Fort Wainwright, AK, 99703
Used Vehicles
6.49%
96 months
View
▼
APR6.49%
Term96 months
Last UpdatedMay 6, 2026
Details

As Low As

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2777 Postal Way, Juneau, AK, 99801
Autos
6.65%
96 months
View
▼
APR6.65%
Term96 months
Last UpdatedMay 12, 2026
Details

As Low As

TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2777 Postal Way, Juneau, AK, 99801
Autos
7.15%
120 months
View
▼
APR7.15%
Term120 months
Last UpdatedMay 12, 2026
Details

As Low As

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK, 99508
Classics & Collectibles Auto Loan
8.50%
72 Months
View
▼
APR8.50%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 72 months (APR may vary)

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 12, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK, 99508
New Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 84 months (APR may vary)

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
2204 3RD ST STE 10, JBER, AK, 99506 1518
New/Used Auto
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details

84 months max

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 12, 2026
Details

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
3700 Santiago St, Fort Wainwright, AK, 99703
New Vehicles
6.39%
120 months
View
▼
APR6.39%
Term120 months
Last UpdatedMay 6, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
New & Used Auto Loans
2.50%
24-84
View
▼
APR2.50%
Term24-84
Last UpdatedMay 12, 2026
Details

NORTHERN SKIES
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1001 E Benson Blvd, Anchorage, AK, 99508
Used Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 84 months (APR may vary)

Alaska District Engineers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
2204 3RD ST STE 10, JBER, AK, 99506 1518
New/Used Auto
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 6, 2026
Details

84 months max

TONGASS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
New & Used Auto Loans
5.50%
24-84
View
▼
APR5.50%
Term24-84
Last UpdatedMay 12, 2026
Details

MAC Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
3700 Santiago St, Fort Wainwright, AK, 99703
Used Vehicles
6.49%
96 months
View
▼
APR6.49%
Term96 months
Last UpdatedMay 6, 2026
Details

As Low As

Alaska Auto Loan Rate Trends

Compare local Alaska auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Alaska Auto Trends →
New Auto Loan — AK Avg
5.711%
▼ 0.043 vs 7 days ago

Alaska new auto rates fell 0.043 points over the past 7 days to 5.711% APR.

Used Auto Loan — AK Avg
6.049%
Unchanged vs 7 days ago

Alaska used auto loan rates currently average 6.049% APR.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Alaska

How does my credit score affect my car loan rate in Alaska?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Alaska with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Alaska *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Alaska typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Alaska?

Based on our current data, some of the lowest auto loan rates available in Alaska include:
  • TONGASS: 2.50% (New & Used Auto Loans)
  • NORTHERN SKIES: 4.99% (New Auto Loan)
  • TRUE NORTH: 5.45% (Autos)
  • Alaska District Engineers Federal Credit Union: 5.50% (New/Used Auto)
  • MAC Federal Credit Union: 6.39% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Alaska. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

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Auto Loan Rates by City in Alaska