Auto Loan Rates in Hester, Louisiana (LA) for May 2026
Brian McKay
Brian McKay
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Current auto loan rates in Hester, Louisiana include Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.24% offering Auto Loans at 3.50%, 705 Federal Credit Union705 Federal Credit UnionA-5.0 ★Texas Ratio: 14.64% offering New Auto Loans at 4.00%, Xplore Federal Credit UnionXplore Federal Credit UnionA+5.0 ★Texas Ratio: 1.58% offering New Autos at 4.34%, Willis Knighton Federal Credit UnionWillis Knighton Federal Credit UnionA+5.0 ★Texas Ratio: 2.84% offering New & Used Vehicles at 4.49%, GP Louisiana Federal Credit UnionGP Louisiana Federal Credit UnionA+5.0 ★Texas Ratio: 2.43% offering New Vehicles 2023-2025 at 4.50%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Hester borrowers have access to 24 lenders serving the Louisiana area, with auto loan rates as low as 3.50% APR from Riverland Federal Credit Union. 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 Hester, Louisiana. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Hester, Louisiana & Surrounding Area
As Low As; Cars, Trucks, & SUVs
A+APR*
A+APR*
As Low As
Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.
AAPR*
Paper Grade A, Credit Score Range 720+
As Low As
AAPR*
Up to 60 Months
Paper Grade A, Credit Score Range 720+
As Low As
As Low As
New Auto, 12-60 Month Term
AAPR*
72 Months
Paper Guide A, Credit Score Range 720+
As Low As
As Low As
As Low As
As Low As
As Low As
Up to 60 Months
Paper Guide A, Credit Score Range 720+
As Low As
As Low As
up to 96 mo.
up to 84 mo.
up to 72 mo.
As Low As
As Low As
As Low As; 36 months
BAPR*
72 Months
Paper Grade A, Credit Score Range 720+
As Low As
As Low As
As Low As
As Low As
As Low As; New Vehicle Loan Rate as low as 4.99% APR, and 100% financing Ask about additional qualifying rate discounts
As Low As
As Low As
As Low As
As Low As; 100% financing available
As Low As
As Low As
BAPR*
Paper Grade B, Credit Score Range 670-719
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Selling price must be $30,000
1% APR interest rate reduction for School Employees for this loan category.
BAPR*
Paper Guide A, Credit Score Range 720+
As Low As
As Low As
As Low As
As Low As; 100% financing available
As Low As; New Vehicles Only > $25,000
As Low As
As Low As
As Low As
As Low As; 100% financing available
As Low As
1% APR interest rate reduction for School Employees for this loan category.
Up to 60 Months
Paper Guide B, Credit Score Range 670-719
As Low As
As Low As
Maximum term for loans up to $5,000 is 24 months
As Low As
As Low As; 100% financing available
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
1% APR interest rate reduction for School Employees for this loan category.
72 Months
Paper Grade B, Credit Score Range 670-719
As Low As
As Low As
As Low As; Used Vehicle Loan Rate as low as 5.99% APR, 100% financing Ask about additional qualifying rate discounts
Loan amount is $15,001 or greater
As Low As
1% APR interest rate reduction for School Employees for this loan category.
As Low As
As Low As
As Low As
As Low As; 100% financing available
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Paper Grade C, Credit Score Range 620 - 669
Paper Guide B, Credit Score Range 670-719
As Low As
Loan amount is $14,001 or greater
Paper Grade C, Credit Score Range 620 - 669
As Low As
As Low As
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
CAPR*
As Low As
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00
1% APR interest rate reduction for School Employees for this loan category.
CAPR*
Paper Guide C, Credit Score Range 620 - 669
As Low As
As Low As
CAPR*
Paper Grade C, Credit Score Range 620 - 669
Paper Guide C, Credit Score Range 620 - 669
As Low As
As Low As
Up to 60 Months
As Low As
72 Months
As Low As
1% APR interest rate reduction for School Employees for this loan category.
Paper Guide C, Credit Score Range 620 - 669
As Low As
Requirements: Debt Ratio < or = 29.99%, No Public Records, No Past Due Accounts, Bankruptcy Over 10Years Old (From Date of Discharge)
1% APR interest rate reduction for School Employees for this loan category.
DAPR*
1% APR interest rate reduction for School Employees for this loan category.
DAPR*
Requirements: Debt Ratio 30% to 39.99%, No Public Records, Some (1 or 2) 30 Day Past Due, Bankruptcy 7 to 10 Years Old (From Date of Discharge)
DAPR*
Up to 60 Months
72 Months
Requirements: Debt Ratio 40% to 49.99%, Public Records, Some (3 or 4) 30 Day Past Due, Some (1 or 2) 60 Day Past Due, Bankruptcy 3 to 6.99 Years Old (From Date of Discharge)
Requirements: Debt Ratio < or = 29.99%, No Public Records, No Past Due Accounts, Bankruptcy Over 10 Years Old (From Date of Discharge)
Paper Grade D, Credit Score Range 580 - 619
Requirements: Debt Ratio 30% to 39.99%, No Public Records, Some (1 or 2) 30 Day Past Due, Bankruptcy 7 to 10 Years Old (From Date of Discharge)
Paper Grade D, Credit Score Range 580 - 619
Paper Guide D, Credit Score Range 580 - 619
Paper Guide D, Credit Score Range 580 - 619
Requirements: Debt Ratio 50% to 59.99%, Some (3 or 4) 90 Day Past Due, Bankruptcy 2 to 2.99 Years Old (From Date of Discharge)
Requirements: Debt Ratio 40% to 49.99%, Public Records, Some (3 or 4) 30 Day Past Due, Some (1 or 2) 60 Day Past Due, Bankruptcy 3 to 6.99 Years Old (From Date of Discharge)
Requirements: Debt Ratio > or = 60%, Bankruptcy 0 to 1.99 Years Old (From Date of Discharge), Need Board Approval
Requirements: Debt Ratio 50% to 59.99%, Some (3 or 4) 90 Day Past Due, Bankruptcy 2 to 2.99 Years Old (From Date of Discharge)
Paper Grade E, Credit Score Range 579 or less
Paper Grade E, Credit Score Range 579 or less
EAPR*
Paper Guide E, Credit Score Range 579 or less
Paper Guide E, Credit Score Range 579 or less
Requirements: Debt Ratio > or = 60%, Bankruptcy 0 to 1.99 Years Old (From Date of Discharge), Need Board Approval
A+APR*
A+APR*
As Low As
Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.
AAPR*
Paper Grade A, Credit Score Range 720+
As Low As
AAPR*
Paper Grade A, Credit Score Range 720+
As Low As
AAPR*
As Low As
As Low As
As Low As
As Low As
up to 96 mo.
As Low As
BAPR*
Paper Grade A, Credit Score Range 720+
As Low As
As Low As
As Low As; New Vehicle Loan Rate as low as 4.99% APR, and 100% financing Ask about additional qualifying rate discounts
As Low As
As Low As
BAPR*
Paper Grade B, Credit Score Range 670-719
As Low As
As Low As
As Low As
As Low As; Selling price must be $30,000
BAPR*
As Low As
As Low As; New Vehicles Only > $25,000
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Paper Grade B, Credit Score Range 670-719
Loan amount is $15,001 or greater
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Paper Grade C, Credit Score Range 620 - 669
Paper Grade C, Credit Score Range 620 - 669
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
CAPR*
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00
CAPR*
CAPR*
Paper Grade C, Credit Score Range 620 - 669
Requirements: Debt Ratio < or = 29.99%, No Public Records, No Past Due Accounts, Bankruptcy Over 10Years Old (From Date of Discharge)
DAPR*
DAPR*
Requirements: Debt Ratio 30% to 39.99%, No Public Records, Some (1 or 2) 30 Day Past Due, Bankruptcy 7 to 10 Years Old (From Date of Discharge)
DAPR*
Requirements: Debt Ratio 40% to 49.99%, Public Records, Some (3 or 4) 30 Day Past Due, Some (1 or 2) 60 Day Past Due, Bankruptcy 3 to 6.99 Years Old (From Date of Discharge)
Paper Grade D, Credit Score Range 580 - 619
Paper Grade D, Credit Score Range 580 - 619
Requirements: Debt Ratio 50% to 59.99%, Some (3 or 4) 90 Day Past Due, Bankruptcy 2 to 2.99 Years Old (From Date of Discharge)
Requirements: Debt Ratio > or = 60%, Bankruptcy 0 to 1.99 Years Old (From Date of Discharge), Need Board Approval
Paper Grade E, Credit Score Range 579 or less
Paper Grade E, Credit Score Range 579 or less
EAPR*
Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.
Up to 60 Months
As Low As
72 Months
Paper Guide A, Credit Score Range 720+
As Low As
As Low As
Up to 60 Months
Paper Guide A, Credit Score Range 720+
As Low As
As Low As
up to 84 mo.
up to 72 mo.
72 Months
As Low As
As Low As
As Low As
As Low As
Paper Guide A, Credit Score Range 720+
As Low As
As Low As
As Low As
Up to 60 Months
Paper Guide B, Credit Score Range 670-719
Maximum term for loans up to $5,000 is 24 months
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
72 Months
As Low As
As Low As; Used Vehicle Loan Rate as low as 5.99% APR, 100% financing Ask about additional qualifying rate discounts
As Low As
1% APR interest rate reduction for School Employees for this loan category.
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Paper Guide B, Credit Score Range 670-719
Loan amount is $14,001 or greater
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection; Terms of 84 months over $30,000.00
1% APR interest rate reduction for School Employees for this loan category.
Paper Guide C, Credit Score Range 620 - 669
Paper Guide C, Credit Score Range 620 - 669
As Low As
Up to 60 Months
72 Months
As Low As
1% APR interest rate reduction for School Employees for this loan category.
Paper Guide C, Credit Score Range 620 - 669
1% APR interest rate reduction for School Employees for this loan category.
Up to 60 Months
72 Months
Requirements: Debt Ratio < or = 29.99%, No Public Records, No Past Due Accounts, Bankruptcy Over 10 Years Old (From Date of Discharge)
Requirements: Debt Ratio 30% to 39.99%, No Public Records, Some (1 or 2) 30 Day Past Due, Bankruptcy 7 to 10 Years Old (From Date of Discharge)
Paper Guide D, Credit Score Range 580 - 619
Paper Guide D, Credit Score Range 580 - 619
Requirements: Debt Ratio 40% to 49.99%, Public Records, Some (3 or 4) 30 Day Past Due, Some (1 or 2) 60 Day Past Due, Bankruptcy 3 to 6.99 Years Old (From Date of Discharge)
Requirements: Debt Ratio 50% to 59.99%, Some (3 or 4) 90 Day Past Due, Bankruptcy 2 to 2.99 Years Old (From Date of Discharge)
Paper Guide E, Credit Score Range 579 or less
Paper Guide E, Credit Score Range 579 or less
Requirements: Debt Ratio > or = 60%, Bankruptcy 0 to 1.99 Years Old (From Date of Discharge), Need Board Approval
Hester, LA Auto Loan Rate Trends
Compare local Hester, LA 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.
Louisiana new auto rates rose 0.833 points over the past 7 days to 6.613% APR.
Louisiana used auto rates rose 0.409 points over the past 7 days to 7.266% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hester, Louisiana 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 for Hester, Louisiana 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.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Hester, Louisiana. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in LA.
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 about Auto Loans in Hester, Louisiana
How does my credit score affect my car loan rate in Louisiana?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Hester, Louisiana?
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- 705 Federal Credit Union: 4.00% (New Auto Loans)
- Xplore Federal Credit Union: 4.34% (New Autos)
- Willis Knighton Federal Credit Union: 4.49% (New & Used Vehicles)
- GP Louisiana Federal Credit Union: 4.50% (New Vehicles 2023-2025)
