Auto Loan Rates in Ames, Iowa (IA) for May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Ames, Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Ames, Iowa include Members1st Community Credit UnionMembers1st Community Credit Union423 Main St, Ames, IA, 50010A+5.0 ★Texas Ratio: 3.76% offering New & Used Autos/Trucks at 4.49%, Midwest Heritage BankMidwest Heritage Bank640 Lincoln Way, Ames, IA, 50010A+5.0 ★Texas Ratio: 0.99% offering Auto Loan at 5.58%, First National Bank Ames, IowaFirst National Bank Ames, Iowa405 5th St, Ames, IA, 50010A-5.0 ★Texas Ratio: 15.05% offering Auto Loan at 5.95%, Power Co-Op Employees Credit UnionPower Co-Op Employees Credit UnionB+4.8 ★Texas Ratio: 17.87% offering PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING at 2.49%, Cent Credit UnionCent Credit UnionA+5.0 ★Texas Ratio: 2.81% offering New Vehicle 2025 - Newer at 3.99%. Auto loan rates as of May 10, 2026 according to verified data from MonitorBankRates.
Ames has 3 local institutions in our database, with auto loan rates as low as 4.49% APR from Members1st Community Credit Union at 423 Main St, Ames, IA, 50010. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Ames, Iowa. Auto Loan Rates Last Updated and Verified: May 10, 2026
Compare Auto Loan Rates Today in Ames, Iowa & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.49%
Up to 60
▼
APR4.49%
TermUp to 60
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.74%
61 - 72
▼
APR4.74%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.99%
73-84
▼
APR4.99%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 49 - 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 61 - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
640 Lincoln Way, Ames, IA, 50010
Auto Loan
5.58%
60 Months
▼
APR5.58%
Term60 Months
Last UpdatedMay 5, 2026
Details
2022 or Newer
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 Up to 36 Months
5.79%
Up to 36
▼
APR5.79%
TermUp to 36
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
5.95%
24 Months
▼
APR5.95%
Term24 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
5.97%
36 Months
▼
APR5.97%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 37-48 Months
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
6.06%
48 Months
▼
APR6.06%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
6.17%
60 Months
▼
APR6.17%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
6.18%
12 Months
▼
APR6.18%
Term12 Months
Last UpdatedMay 4, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 49-60 Months
6.29%
60 Months
▼
APR6.29%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
640 Lincoln Way, Ames, IA, 50010
Auto Loan
6.38%
48 Months
▼
APR6.38%
Term48 Months
Last UpdatedMay 5, 2026
Details
2019 - 2021
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.46%
24 Months
▼
APR6.46%
Term24 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.47%
36 Months
▼
APR6.47%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.56%
48 Months
▼
APR6.56%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.67%
60 Months
▼
APR6.67%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.68%
12 Months
▼
APR6.68%
Term12 Months
Last UpdatedMay 4, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2016 and older
7.79%
36 Months
▼
APR7.79%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2016 and older
8.04%
48 Months
▼
APR8.04%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
8.29%
36 Months
▼
APR8.29%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
8.32%
24 Months
▼
APR8.32%
Term24 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
8.47%
48 Months
▼
APR8.47%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
8.59%
12 Months
▼
APR8.59%
Term12 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
8.68%
60 Months
▼
APR8.68%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
640 Lincoln Way, Ames, IA, 50010
Auto Loan
8.73%
36 Months
▼
APR8.73%
Term36 Months
Last UpdatedMay 5, 2026
Details
2016 - 2018
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
8.79%
36 Months
▼
APR8.79%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
8.82%
24 Months
▼
APR8.82%
Term24 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
8.97%
48 Months
▼
APR8.97%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
9.09%
12 Months
▼
APR9.09%
Term12 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
9.18%
60 Months
▼
APR9.18%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
640 Lincoln Way, Ames, IA, 50010
Auto Loan
9.50%
36 Months
▼
APR9.50%
Term36 Months
Last UpdatedMay 5, 2026
Details
2015 - 2011
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.59%
36 Months
▼
APR9.59%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.62%
24 Months
▼
APR9.62%
Term24 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.77%
48 Months
▼
APR9.77%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.90%
12 Months
▼
APR9.90%
Term12 Months
Last UpdatedMay 4, 2026
Details
As Low As
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.98%
60 Months
▼
APR9.98%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING
2.49%
23 Months
▼
APR2.49%
Term23 Months
Last UpdatedMay 10, 2026
Details
As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
3.99%
0 - 60
▼
APR3.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.10%
0-36
▼
APR4.10%
Term0-36
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 36 Months
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 48 Months
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.49%
61 - 72
▼
APR4.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 60 Months
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.74%
Term24-60
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
Auto Loans
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedMay 10, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2022 Auto Loan
4.84%
Up to 60
▼
APR4.84%
TermUp to 60
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.84%
36 Months
▼
APR4.84%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.85%
37-63
▼
APR4.85%
Term37-63
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 10, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2022 Auto Loan
4.94%
72 Months
▼
APR4.94%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
60-month Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.99%
73 - 84
▼
APR4.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
4.99%
0 - 60
▼
APR4.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
5.04%
72 months
▼
APR5.04%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2020 Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.05%
64-75
▼
APR5.05%
Term64-75
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 84 Months
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2022 Auto Loan
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMay 10, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
5.19%
84 months
▼
APR5.19%
Term84 months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2020 Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.25%
76-84
▼
APR5.25%
Term76-84
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.34%
48 Months
▼
APR5.34%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.40%
0-63
▼
APR5.40%
Term0-63
Last UpdatedMay 10, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMay 6, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.44%
36 Months
▼
APR5.44%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.49%
Term24-48
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
5.49%
85-120
▼
APR5.49%
Term85-120
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.54%
60 Months
▼
APR5.54%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
Auto Loans - New vehicles only
5.59%
60 months or less
▼
APR5.59%
Term60 months or less
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.64%
48 Months
▼
APR5.64%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
2020-2027 Vehicle Loans
5.74%
24-48
▼
APR5.74%
Term24-48
Last UpdatedMay 7, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
New Vehicles
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2024
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2025
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.74%
Term24-48
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 5, 2026
Details
As Low As; Age of Vehicle: 2025-New
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2025 - 2024 Auto Loan Loyalty
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.86%
66 Months
▼
APR5.86%
Term66 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.88%
60 Months
▼
APR5.88%
Term60 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.91%
48 Months
▼
APR5.91%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2023
5.94%
66 Months
▼
APR5.94%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.95%
64-75
▼
APR5.95%
Term64-75
Last UpdatedMay 10, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.97%
36 Months
▼
APR5.97%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2023 - 2024
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 5, 2026
Details
Up to 72 months
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
New Vehicles
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2024
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2025
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2022
6.09%
66 Months
▼
APR6.09%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
6.09%
48 months
▼
APR6.09%
Term48 months
Last UpdatedMay 10, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
Auto Loans - 6 years old or older
6.12%
48 Months or less
▼
APR6.12%
Term48 Months or less
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2021
6.19%
48 Months
▼
APR6.19%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
6.19%
60 months
▼
APR6.19%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As
APR6.24%
Term24-48
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2020
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2023
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2025 - 2024 Auto Loan
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2025 - 2024 Auto Loan Loyalty
6.34%
84 Months
▼
APR6.34%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
6.35%
76-84
▼
APR6.35%
Term76-84
Last UpdatedMay 10, 2026
Details
As Low As
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
NEW Auto Loan
6.38%
72 Months
▼
APR6.38%
Term72 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2019
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2020
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2022
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR6.49%
Term24-48
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
6.49%
85-120
▼
APR6.49%
Term85-120
Last UpdatedMay 10, 2026
Details
As Low As
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2023-2025 Auto Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.53%
60 Months
▼
APR6.53%
Term60 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.56%
48 Months
▼
APR6.56%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2018
6.59%
48 Months
▼
APR6.59%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.62%
36 Months
▼
APR6.62%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2017
6.69%
48 Months
▼
APR6.69%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2018
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2019
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2017
6.79%
60 Months
▼
APR6.79%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2025 - 2024 Auto Loan
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
6.94%
Up to 66 Months
▼
APR6.94%
TermUp to 66 Months
Last UpdatedMay 7, 2026
Details
2020-2027
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
6.99%
0 - 60
▼
APR6.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2020 - 2022 Auto Loan
7.00%
48 Months
▼
APR7.00%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2016 - 2022
7.34%
60 Months
▼
APR7.34%
Term60 Months
Last UpdatedMay 5, 2026
Details
Up to 60 months
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months Relationship Rate
7.34%
Up to 48 Months
▼
APR7.34%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
7.44%
67-75 Months
▼
APR7.44%
Term67-75 Months
Last UpdatedMay 7, 2026
Details
2020-2027 Motorcycles Only Over $20,000
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months Relationship Rate
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.54%
36 Months
▼
APR7.54%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months
7.59%
Up to 48 Months
▼
APR7.59%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months
7.79%
60 Months
▼
APR7.79%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
7.99%
61 - 72
▼
APR7.99%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2016 or Older
8.20%
36 Months
▼
APR8.20%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2016 - 2019 Auto Loan
8.38%
36 Months
▼
APR8.38%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
Automobiles
8.39%
36 months
▼
APR8.39%
Term36 months
Last UpdatedMay 10, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2016-2018 Auto Loan
8.49%
24-63
▼
APR8.49%
Term24-63
Last UpdatedMay 6, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2016 & Older Vehicles
8.49%
36 Months
▼
APR8.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2016 & Older
8.74%
36 Months
▼
APR8.74%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2016 & Older Vehicles
8.74%
42 Months
▼
APR8.74%
Term42 Months
Last UpdatedMay 10, 2026
Details
APR8.74%
Term24-36
Last UpdatedMay 10, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
8.94%
Up to 66 Months
▼
APR8.94%
TermUp to 66 Months
Last UpdatedMay 7, 2026
Details
2006-2019
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2016-2018 Auto Loan
8.99%
64-75
▼
APR8.99%
Term64-75
Last UpdatedMay 6, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
8.99%
73 - 84
▼
APR8.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
APR9.24%
Term24-36
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2015 or older
9.59%
36 Months
▼
APR9.59%
Term36 Months
Last UpdatedMay 5, 2026
Details
Up to 36 months
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
10.44%
67-75 Months
▼
APR10.44%
Term67-75 Months
Last UpdatedMay 7, 2026
Details
2006-2019 Motorcycles Only Over $20,000
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
10.94%
76-84 Months
▼
APR10.94%
Term76-84 Months
Last UpdatedMay 7, 2026
Details
2025-2027 Only Over $25,000
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.49%
Up to 60
▼
APR4.49%
TermUp to 60
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.74%
61 - 72
▼
APR4.74%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.99%
73-84
▼
APR4.99%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 49 - 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 61 - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 Up to 36 Months
5.79%
Up to 36
▼
APR5.79%
TermUp to 36
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 37-48 Months
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 49-60 Months
6.29%
60 Months
▼
APR6.29%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2016 and older
7.79%
36 Months
▼
APR7.79%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2016 and older
8.04%
48 Months
▼
APR8.04%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING
2.49%
23 Months
▼
APR2.49%
Term23 Months
Last UpdatedMay 10, 2026
Details
As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
3.99%
0 - 60
▼
APR3.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.10%
0-36
▼
APR4.10%
Term0-36
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 36 Months
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 48 Months
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.49%
61 - 72
▼
APR4.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 60 Months
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.85%
37-63
▼
APR4.85%
Term37-63
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 10, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.99%
73 - 84
▼
APR4.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.05%
64-75
▼
APR5.05%
Term64-75
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 84 Months
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMay 10, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.25%
76-84
▼
APR5.25%
Term76-84
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMay 6, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
5.49%
85-120
▼
APR5.49%
Term85-120
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
Auto Loans - New vehicles only
5.59%
60 months or less
▼
APR5.59%
Term60 months or less
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
New Vehicles
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 5, 2026
Details
As Low As; Age of Vehicle: 2025-New
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.86%
66 Months
▼
APR5.86%
Term66 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.88%
60 Months
▼
APR5.88%
Term60 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.91%
48 Months
▼
APR5.91%
Term48 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.97%
36 Months
▼
APR5.97%
Term36 Months
Last UpdatedMay 5, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
New Vehicles
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
NEW Auto Loan
6.38%
72 Months
▼
APR6.38%
Term72 Months
Last UpdatedMay 5, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.49%
Up to 60
▼
APR4.49%
TermUp to 60
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.74%
61 - 72
▼
APR4.74%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks
4.99%
73-84
▼
APR4.99%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 49 - 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2020-2022 61 - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 Up to 36 Months
5.79%
Up to 36
▼
APR5.79%
TermUp to 36
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 37-48 Months
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2017-2019 49-60 Months
6.29%
60 Months
▼
APR6.29%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2016 and older
7.79%
36 Months
▼
APR7.79%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2016 and older
8.04%
48 Months
▼
APR8.04%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 100% financing available
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.84%
36 Months
▼
APR4.84%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
4.99%
0 - 60
▼
APR4.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.34%
48 Months
▼
APR5.34%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.40%
0-63
▼
APR5.40%
Term0-63
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.44%
36 Months
▼
APR5.44%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.54%
60 Months
▼
APR5.54%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.64%
48 Months
▼
APR5.64%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2024
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2025
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2023
5.94%
66 Months
▼
APR5.94%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.95%
64-75
▼
APR5.95%
Term64-75
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2023 - 2024
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 5, 2026
Details
Up to 72 months
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2024
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2025
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2022
6.09%
66 Months
▼
APR6.09%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2021
6.19%
48 Months
▼
APR6.19%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2020
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2023
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
6.35%
76-84
▼
APR6.35%
Term76-84
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2019
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2020
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2022
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
6.49%
85-120
▼
APR6.49%
Term85-120
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2018
6.59%
48 Months
▼
APR6.59%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2017
6.69%
48 Months
▼
APR6.69%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2018
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2019
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2017
6.79%
60 Months
▼
APR6.79%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
6.99%
0 - 60
▼
APR6.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2016 - 2022
7.34%
60 Months
▼
APR7.34%
Term60 Months
Last UpdatedMay 5, 2026
Details
Up to 60 months
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.54%
36 Months
▼
APR7.54%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
7.99%
61 - 72
▼
APR7.99%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2016 & Older
8.74%
36 Months
▼
APR8.74%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
8.99%
73 - 84
▼
APR8.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2015 or older
9.59%
36 Months
▼
APR9.59%
Term36 Months
Last UpdatedMay 5, 2026
Details
Up to 36 months
Powered by
MonitorBankRates
Ames, IA Auto Loan Rate Trends
Compare local Ames, IA 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 — IA Avg
5.081%
▲ 0.192 vs 7 days ago
Iowa new auto rates rose 0.192 points over the past 7 days to 5.081% APR.
Used Auto Loan — IA Avg
6.207%
▲ 0.273 vs 7 days ago
Iowa used auto rates rose 0.273 points over the past 7 days to 6.207% APR.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Ames, Iowa
How does my credit score affect my car loan rate in Iowa?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Ames, Iowa 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 Iowa *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 Ames, Iowa 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 Ames, Iowa?
Based on our current data, some of the lowest auto loan rates available in Ames, Iowa include:
- Members1st Community Credit Union: 4.49% (New & Used Autos/Trucks)
- Midwest Heritage Bank: 5.58% (Auto Loan)
- First National Bank Ames, Iowa: 5.95% (Auto Loan)
- Power Co-Op Employees Credit Union: 2.49% (PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING)
- Cent Credit Union: 3.99% (New Vehicle 2025 - Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ames, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 10, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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