Maryland Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Maryland auto loan rates range from 2.49% to 5.24% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Maryland include WEPCO Federal Credit UnionWEPCO Federal Credit Union12511 Winchester Rd SW, LaVale, MD, 21502A+5.0 ★Texas Ratio: 3.89% offering New or Used Vehicle Loans - New Model 2026 and Newer at 2.49%, Ferko Maryland Federal Credit UnionFerko Maryland Federal Credit Union502 W Patrick St, Frederick, MD, 21701A+5.0 ★Texas Ratio: 1.07% offering Auto Loan - 2027/2026 New Auto at 3.00%, POCU of MarylandPOCU of Maryland900 E Fayette St Rm 606, Baltimore, MD, 21233 1050A+5.0 ★Texas Ratio: 5.56% offering New Car 24 Months Loan at 3.09%, Cedar Point Federal Credit UnionCedar Point Federal Credit Union22745 Maple Rd, Lexington Park, MD, 20653A+5.0 ★Texas Ratio: 2.72% offering New Auto Loan - 36 months at 3.49%, Market USA Federal Credit UnionMarket USA Federal Credit Union8871 Gorman Rd, Laurel, MD, 20723 5877A+5.0 ★Texas Ratio: 4.76% offering New Auto Loan at 3.49%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Maryland side-by-side. Maryland auto loan rates currently start as low as 2.49% APR from WEPCO Federal Credit Union at 12511 Winchester Rd SW, LaVale, MD, 21502. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Maryland. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Maryland
Maryland Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
As Low As; Used Model Years 2024-2026
Amount Down: 50% or more; Model Year: 2027/2026 New Auto
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
As Low As; APR as low as; Monthly Payment per $1000 not extracted; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.49%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
As Low As
As low as 3.75% with Relationship Rewards
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Auto 0-48 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
Loan rates are tier-based and priced according to members' individual credit ratings; listed rates are the minimum offered
As Low As; New Auto Rates; dealership purchases only; *APR assumes excellent borrower credit; actual APR determined at disbursement
As Low As; Used Auto Rates; Minimum amount to borrow is $5,000
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
New Auto or Truck Purchase/Refinance; As of July 15, 2026
As low as
As low as
As Low As
As Low As; 49-60 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026
As Low As; Minimum Financing of $10,000 for 60 Months
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As Low As; Model Year: 2025 - 2026; Loan Type: Fixed
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
Amount Down: 50% or more; Model Year: 2027/2026 Used Auto
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.25%▲ from 3.99%
- Sep 17, 20263.99%▲ from 3.25%
- Sep 14, 20263.25%first recorded
As Low As
As Low As; Rates subject to change.
Used Auto or Truck Purchase/Refinance; As of July 15, 2026
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Example based on the maximum term listed in the range.
- Sep 27, 20264.44%▲ from 4.19%
- Sep 14, 20264.19%first recorded
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.45%▲ from 4.20%
- Sep 16, 20264.20%first recorded
As low as
As Low As
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount
As Low As; Minimum Financing of $15,000 for 72 Months
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
As Low As; Model Year: 2019-2023; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.49%▲ from 4.25%
- Sep 14, 20264.25%first recorded
As Low As; Sample loan $35,000; 115% of MSRP or Clean Retail Value; Hybrid lease-style loan option with Guaranteed Residual Value of $11,000; financing includes tags, taxes, warranties, title fees, GAP, and Excess Wear & Tear Coverage
As Low As; Used vehicles up to 5 years old and 105,000 miles eligible; 115% of MSRP or Clean Retail Value; Hybrid loan option with Guaranteed Residual Value
As Low As
As Low As
As Low As; Model Year: 2025 - 2026; Loan Type: Fixed
As Low As; Rate includes 0.25% APR automatic payment discount; Information effective October 1, 2026; 100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance
As Low As; New Auto Rates; dealership purchases only; *APR assumes excellent borrower credit; actual APR determined at disbursement
As Low As; Used Auto Rates; Minimum amount to borrow is $5,000
Loan Amount: $5,000 min; APR* as low as**
As Low As; Cars, Trucks, Motorcycles
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
Example based on the maximum term listed in the range.
- Sep 27, 20264.54%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As low as
As Low As
As Low As; Rates subject to change.
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.65%▲ from 4.40%
- Sep 16, 20264.40%first recorded
As Low As
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.74%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount
As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
over $20,000; As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
As Low As; Model Year: 2025 - 2026; Loan Type: Fixed
Minimum $25,000 loan amount
As Low As; Rate includes 0.25% APR automatic payment discount; Information effective October 1, 2026; 100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; With Direct Payment Discount
As low as
Loan Amount: $15,000 min; APR* as low as**
As Low As; Cars, Trucks, Motorcycles
Amount Down: 50% or more; Model Year: 2025/2024 Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
As Low As; Model Year: 2024 & newer; Other terms and rates available. Please contact us for more information.
- Sep 25, 20264.75%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Example based on the maximum term listed in the range.
- Sep 27, 20264.79%▲ from 4.54%
- Sep 14, 20264.54%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2019 - 2024; Loan Type: Fixed
As Low As; Loan Term
Includes 0.25% automatic transfer payment discount
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
Loan Amount: $5,000-$125,000
- Oct 2, 20264.94%▲ from 4.69%
- Sep 15, 20264.69%first recorded
As Low As; Automated Payments APR; Loan Amount: $20,001; Estimated Monthly Payment per $1,000: $7.88
As low as
As low as
As Low As
As Low As
As Low As; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score)
As Low As; 61-72 months (up to 110%)
As Low As; up to 110%
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As; Automated Payments APR; Loan Amount: Up to $14,999; Estimated Monthly Payment per $1,000: $23.03
Term: Any Term Up to 7 Years; No Model Year Restrictions
- Oct 4, 20264.99%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Term: Any Term Up to 7 Years; No Model Year Restrictions
- Oct 4, 20264.99%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
over $20,000; As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
As Low As; Requires Auto Pay; Rate/APR = Annual Percentage Rate
Includes 0.25% automatic transfer payment discount
Includes 0.25% automatic transfer payment discount
As Low As; Model years 2016-2026; Includes 0.25% APR automatic payment discount
As Low As; Minimum amount to finance is $30K; Rate subject to change; rates determined by credit evaluation
As Low As; Minimum amount to finance is $30K; Rate subject to change; rates determined by credit evaluation
As Low As; New Auto Rates; dealership purchases only; *APR assumes excellent borrower credit; actual APR determined at disbursement
As Low As; Used Auto Rates; Minimum amount to borrow is $5,000
As Low As; With Direct Payment Discount
As Low As; With Direct Payment Discount
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2025/2024 Auto
Amount Down: 25%-49% or more; Model Year: 2025/2024 Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
As Low As; Model Year: 2019 - 2024; Loan Type: Fixed
As low as
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan rates are tier-based and priced according to members' individual credit ratings; listed rates are the minimum offered
Example based on the maximum term listed in the range.
- Sep 27, 20265.19%▲ from 4.94%
- Sep 14, 20264.94%first recorded
As low as
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As low as
As Low As
- Oct 8, 20265.24%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score)
As Low As; 73-84 months (up to 110% $25K or more)
As Low As; up to 110%
Used Vehicle Loans (purchase or refinance); Rate/APR as low as; 0% down; Monthly Payment Per $1,000 excluded; As Low As; Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%; minimum rate for model years 2017 thru 2019 is 5.24%
Maryland New Auto Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
Amount Down: 50% or more; Model Year: 2027/2026 New Auto
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
As Low As; APR as low as; Monthly Payment per $1000 not extracted; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Auto 0-48 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
Loan rates are tier-based and priced according to members' individual credit ratings; listed rates are the minimum offered
As Low As; New Auto Rates; dealership purchases only; *APR assumes excellent borrower credit; actual APR determined at disbursement
As Low As; Cars, Trucks, Motorcycles
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
New Auto or Truck Purchase/Refinance; As of July 15, 2026
As low as
As low as
As Low As
As Low As; 49-60 months (up to 110%)
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As Low As; Model Year: 2025 - 2026; Loan Type: Fixed
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Cars, Trucks, Motorcycles
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
Example based on the maximum term listed in the range.
- Sep 27, 20264.44%▲ from 4.19%
- Sep 14, 20264.19%first recorded
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.45%▲ from 4.20%
- Sep 16, 20264.20%first recorded
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
As Low As; *CPFCU will finance based on credit and retail value of the vehicle. See Auto Loan Rates for details.
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
As Low As; Sample loan $35,000; 115% of MSRP or Clean Retail Value; Hybrid lease-style loan option with Guaranteed Residual Value of $11,000; financing includes tags, taxes, warranties, title fees, GAP, and Excess Wear & Tear Coverage
As Low As
As Low As; Model Year: 2025 - 2026; Loan Type: Fixed
As Low As; Rate includes 0.25% APR automatic payment discount; Information effective October 1, 2026; 100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance
As Low As; New Auto Rates; dealership purchases only; *APR assumes excellent borrower credit; actual APR determined at disbursement
Loan Amount: $5,000 min; APR* as low as**
As Low As; Cars, Trucks, Motorcycles
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
Example based on the maximum term listed in the range.
- Sep 27, 20264.54%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As low as
As Low As
As Low As; Rates subject to change.
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.65%▲ from 4.40%
- Sep 16, 20264.40%first recorded
As Low As
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.74%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; 0% down; To purchase 2024, 2025 or 2026 auto or truck with less than 25,000 miles; Rates include 1/4% automatic repayment discount and 0.10% online application discount; Refinances eligible (max mileage 25,000)
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
As Low As; Model Year: 2025 - 2026; Loan Type: Fixed
Minimum $25,000 loan amount
As Low As; Rate includes 0.25% APR automatic payment discount; Information effective October 1, 2026; 100% financing (not to exceed 100% MSRP) plus taxes, tags, warranties and credit insurance
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; With Direct Payment Discount
Loan Amount: $15,000 min; APR* as low as**
Amount Down: 25%-49% or more; Model Year: 2027/2026 New Auto
Example based on the maximum term listed in the range.
- Sep 27, 20264.79%▲ from 4.54%
- Sep 14, 20264.54%first recorded
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
As Low As; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score)
As Low As; 61-72 months (up to 110%)
Term: Any Term Up to 7 Years; No Model Year Restrictions
- Oct 4, 20264.99%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
As Low As; Requires Auto Pay; Rate/APR = Annual Percentage Rate
As Low As; Minimum amount to finance is $30K; Rate subject to change; rates determined by credit evaluation
As Low As; New Auto Rates; dealership purchases only; *APR assumes excellent borrower credit; actual APR determined at disbursement
As Low As; With Direct Payment Discount
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Amount Down: 0%-24%; Model Year: 2027/2026 New Auto
As low as
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan rates are tier-based and priced according to members' individual credit ratings; listed rates are the minimum offered
Example based on the maximum term listed in the range.
- Sep 27, 20265.19%▲ from 4.94%
- Sep 14, 20264.94%first recorded
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
As Low As
As Low As; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score)
As Low As; 73-84 months (up to 110% $25K or more)
Maryland Used Auto Auto Loan Rates
As Low As; Rates effective as of September 1, 2026
As Low As; Used Model Years 2024-2026
As Low As; Minimum Financing of $10,000 for 60 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Rates effective as of September 1, 2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Minimum Financing of $10,000 for 60 Months; Used Model Years 2024-2026
As Low As
As Low As; Cars, Trucks, Motorcycles
As Low As; Auto 0-48 months (up to 110%)
Loan rates are tier-based and priced according to members' individual credit ratings; listed rates are the minimum offered
As Low As; Used Auto Rates; Minimum amount to borrow is $5,000
As Low As; Cars, Trucks, Motorcycles
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
As Low As; 49-60 months (up to 110%)
As Low As; Minimum Financing of $25,000 for 84 Months; Rates effective as of September 1, 2026
As Low As; Minimum Financing of $15,000 for 72 Months; Used Model Years 2024-2026
As Low As; Minimum Financing of $10,000 for 60 Months
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As Low As; Cars, Trucks, Motorcycles
Amount Down: 50% or more; Model Year: 2027/2026 Used Auto
Used Auto or Truck Purchase/Refinance; As of July 15, 2026
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.45%▲ from 4.20%
- Sep 16, 20264.20%first recorded
As low as
As Low As
As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount
As Low As; Minimum Financing of $15,000 for 72 Months
Comments: Up to 135% of Car Value
Up to 135% of Car Value; APR varies by credit history, term and percentage of purchase price
As Low As; Used vehicles up to 5 years old and 105,000 miles eligible; 115% of MSRP or Clean Retail Value; Hybrid loan option with Guaranteed Residual Value
As Low As
As Low As; Used Auto Rates; Minimum amount to borrow is $5,000
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.65%▲ from 4.40%
- Sep 16, 20264.40%first recorded
Rates are subject to change and based on creditworthiness. Other rates may apply.
- Sep 25, 20264.74%▲ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; Age of Vehicle: 1-7 years; CPFCU will finance based on credit and retail value of the vehicle
As Low As; 0% down; purchase or refinance from dealer or private party; includes 1/4% automatic repayment discount and 0.10% online application discount
As Low As; Minimum Financing of $25,000 for 84 Months; Used Model Years 2024-2026
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
As Low As; Includes .25% automatic payment discount and 0.50% Reward Rate Relationship discount; vehicles 7 years and older are 3.00% above stated rate
over $20,000; As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
As low as
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2019 - 2024; Loan Type: Fixed
Includes 0.25% automatic transfer payment discount
Loan rates effective Jan 1, 2026; Rates based on credit worthiness
As low as
As low as
As Low As
As Low As
As Low As; 61-72 months (up to 110%)
As Low As; up to 110%
As Low As; Minimum Financing of $25,000 for 84 Months
Term: Any Term Up to 7 Years; No Model Year Restrictions
- Oct 4, 20264.99%▲ from 3.99%
- Sep 17, 20263.99%first recorded
over $20,000; As Low As; Auto loans require automatic payment option to qualify; Maximum combined unsecured credit limit $50,000
As Low As; Requires Auto Pay; Rate/APR = Annual Percentage Rate
Includes 0.25% automatic transfer payment discount
Includes 0.25% automatic transfer payment discount
As Low As; Model years 2016-2026; Includes 0.25% APR automatic payment discount
As Low As; Minimum amount to finance is $30K; Rate subject to change; rates determined by credit evaluation
As Low As; Used Auto Rates; Minimum amount to borrow is $5,000
As Low As; With Direct Payment Discount
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
As Low As; Cars, Trucks, Motorcycles
Amount Down: 25%-49% or more; Model Year: 2027/2026 Used Auto
Amount Down: 0%-24%; Model Year: 2027/2026 Used Auto
As Low As; Model Year: 2019 - 2024; Loan Type: Fixed
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan rates are tier-based and priced according to members' individual credit ratings; listed rates are the minimum offered
As low as
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As low as
As Low As; 73-84 months (up to 110% $25K or more)
As Low As; up to 110%
Used Vehicle Loans (purchase or refinance); Rate/APR as low as; 0% down; Monthly Payment Per $1,000 excluded; As Low As; Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%; minimum rate for model years 2017 thru 2019 is 5.24%
Maryland Auto Loan Rate Trends
Compare local Maryland 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.
Maryland new auto rates fell 0.069 points over the past 7 days to 5.226% APR.
Maryland used auto rates fell 0.031 points over the past 7 days to 5.685% APR.
Maryland Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Maryland figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Maryland APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.23% APR MD average | Used Auto @ 5.69% APR MD average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.62/mo | $287.80/mo | $3.18/mo |
| $25,000 | $474.37/mo | $479.67/mo | $5.30/mo |
| $35,000 | $664.12/mo | $671.54/mo | $7.42/mo |
| $45,000 | $853.87/mo | $863.41/mo | $9.54/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Maryland
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Maryland locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Maryland. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Maryland high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Maryland CD rates lock in a guaranteed return until you’re ready to buy
Maryland Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 12.0% of the median individual income in Maryland. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Maryland, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Maryland. We’ve prefilled the APR with today’s MD new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Maryland 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 Maryland 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 Maryland. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MD.
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.
Bad Credit Auto Loans in Maryland
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Maryland
How does my credit score affect my car loan rate in Maryland?
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?
Should I get preapproved for an auto loan before visiting a dealer in Maryland?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Maryland?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Maryland?
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans - New Model 2026 and Newer)
- Ferko Maryland Federal Credit Union: 3.00% (Auto Loan - 2027/2026 New Auto)
- POCU of Maryland: 3.09% (New Car 24 Months Loan)
- Cedar Point Federal Credit Union: 3.49% (New Auto Loan - 36 months)
- Market USA Federal Credit Union: 3.49% (New Auto Loan)
Maryland Rates & Resources
Auto Loan Rates by City in Maryland
