Auto Loan Rates in Alaska (AK) for April 2026
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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.
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%, Alaska Air Group Federal Credit UnionAlaska Air Group Federal Credit Union1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077A+5.0 ★Texas Ratio: 0.33% offering New Auto (2021 and Newer) at 4.74%, 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%. Auto loan rates as of April 19, 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: April 19, 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
▼
APR2.50%
Term24-84
Last UpdatedApr 19, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
New Auto (2021 and Newer)
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
New Auto (2021 and Newer)
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
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
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 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
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 84 months (APR may vary)
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
New Auto (2021 and Newer)
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2777 Postal Way, Juneau, AK, 99801
Autos
5.45%
12-60 months
▼
APR5.45%
Term12-60 months
Last UpdatedApr 19, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
New Auto (2021 and Newer)
5.49%
7 years
▼
APR5.49%
Term7 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Used Auto (Models 2017 - 2020)
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedApr 18, 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
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
84 months max; .25% discount on all loans if you opt for Autopay
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
▼
APR5.50%
Term24-84
Last UpdatedApr 19, 2026
Details
TRUE NORTH
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2777 Postal Way, Juneau, AK, 99801
Autos
5.65%
84 months
▼
APR5.65%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Used Auto (Models 2017 - 2020)
5.74%
5 years
▼
APR5.74%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Used Auto (Models 2017 - 2020)
5.99%
6 years
▼
APR5.99%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Used Auto (Models 2017 - 2020)
6.24%
7 years
▼
APR6.24%
Term7 years
Last UpdatedApr 18, 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
▼
APR6.39%
Term120 Months
Last UpdatedApr 18, 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
▼
APR6.49%
Term96 Months
Last UpdatedApr 18, 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
▼
APR6.65%
Term96 months
Last UpdatedApr 19, 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
▼
APR7.15%
Term120 months
Last UpdatedApr 19, 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
▼
APR8.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 72 months (APR may vary)
Powered by
MonitorBankRates
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
▼
APR2.50%
Term24-84
Last UpdatedApr 19, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
New Auto (2021 and Newer)
4.74%
4 years
▼
APR4.74%
Term4 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
New Auto (2021 and Newer)
4.99%
5 years
▼
APR4.99%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
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
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 84 months (APR may vary)
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
New Auto (2021 and Newer)
5.24%
6 years
▼
APR5.24%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
New Auto (2021 and Newer)
5.49%
7 years
▼
APR5.49%
Term7 years
Last UpdatedApr 18, 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
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
84 months max; .25% discount on all loans if you opt for Autopay
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
▼
APR5.50%
Term24-84
Last UpdatedApr 19, 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
▼
APR6.39%
Term120 Months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
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
▼
APR2.50%
Term24-84
Last UpdatedApr 19, 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
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 84 months (APR may vary)
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Used Auto (Models 2017 - 2020)
5.49%
4 years
▼
APR5.49%
Term4 years
Last UpdatedApr 18, 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
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
84 months max; .25% discount on all loans if you opt for Autopay
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
▼
APR5.50%
Term24-84
Last UpdatedApr 19, 2026
Details
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Used Auto (Models 2017 - 2020)
5.74%
5 years
▼
APR5.74%
Term5 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Used Auto (Models 2017 - 2020)
5.99%
6 years
▼
APR5.99%
Term6 years
Last UpdatedApr 18, 2026
Details
As Low As
Alaska Air Group Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1048 W INTL AIRPORT RD STE 102, ANCHORAGE, AK, 99518 1077
Used Auto (Models 2017 - 2020)
6.24%
7 years
▼
APR6.24%
Term7 years
Last UpdatedApr 18, 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
▼
APR6.49%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
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.
New Auto Loan — AK Avg
5.626%
▲ 0.028 vs 7 days ago
Alaska new auto rates rose 0.028 points over the past 7 days to 5.626% APR.
Used Auto Loan — AK Avg
6.014%
Unchanged vs 7 days ago
Alaska used auto loan rates currently average 6.014% APR.
As of Apr 22, 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)
- Alaska Air Group Federal Credit Union: 4.74% (New Auto (2021 and Newer))
- NORTHERN SKIES: 4.99% (New Auto Loan)
- TRUE NORTH: 5.45% (Autos)
- Alaska District Engineers Federal Credit Union: 5.50% (New/Used Auto)
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: April 19, 2026
Auto Loan Rates by City in Alaska
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