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  7. Auto Loan Rate Trends

Montana Best Auto Loan Rates - October 2026

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Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Montana. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Montana auto loan rates range from 3.99% to 9.75% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Montana include Montana Federal Credit UnionMontana Federal Credit Union15 14th St S, Great Falls, MT, 59401 3800A+5.0 ★Texas Ratio: 1.38% offering Auto Loans (2023 and newer) - Up to 60 months at 3.99%, Glendive BN Federal Credit UnionGlendive BN Federal Credit Union509 N MERRILL AVE, GLENDIVE, MT, 59330A+5.0 ★Texas Ratio: 0.00% offering New Vehicle - 2024 to 2026 Loan at 4.00%, Southwest Montana Community Federal Credit UnionSouthwest Montana Community Federal Credit Union1035 W Park Ave, Anaconda, MT, 59711A5.0 ★Texas Ratio: 8.40% offering New Vehicles (2024-2026) Loan at 4.24%, Mountain West Federal Credit UnionMountain West Federal Credit Union400 E Park St, Butte, MT, 59701 1916A5.0 ★Texas Ratio: 7.80% offering New Vehicle Loan at 4.25%, Mile High Federal Credit UnionMile High Federal Credit Union3410 MONROE AVE, BUTTE, MT, 59701A+5.0 ★Texas Ratio: 0.00% offering New (2025-2024) Vehicle Loan at 4.49%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across Montana side-by-side. Montana auto loan rates currently start as low as 3.99% APR from Montana Federal Credit Union at 15 14th St S, Great Falls, MT, 59401 3800. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Montana. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Montana

Jump to: All Auto Loans · New Auto · Used Auto

Montana Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2023 and newer) - Up to 60 months
3.99%
Up to 60 months
View
▼
APR3.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Rate History
No change since Oct 12, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 12, 2026: 3.99% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APRSep 12, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 16, 2026: 4.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 24 Months Loan
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 16, 2026: 4.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 16, 2026: 4.24% APRSep 16, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 12, 2026: 4.25% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year.

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year.

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3410 MONROE AVE, BUTTE, MT, 59701
New (2025-2024) Vehicle Loan
4.49%
60 month
View
▼
APR4.49%
Term60 month
Last UpdatedOct 12, 2026
Details

As Low As; 60 month term

Rate History
No change since Sep 25, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 25, 2026: 4.49% APRSep 25, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2022 or older)
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; OAC

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 36 Months Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 12, 2026: 4.50% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APRSep 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 12, 2026: 4.50% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles two to seven years old.

Rate History
No change since Sep 12, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APRSep 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 4.75% APR · checked 8 times
4.25%4.75%5.25%Sep 12, 2026: 4.75% APRSep 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 4.75% APR · checked 8 times
4.25%4.75%5.25%Sep 12, 2026: 4.75% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 10 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Vehicles Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 13, 2026
Details

All Rates are subject to change without notice. Some restrictions may apply.

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 10 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2014 - 2019 Loan
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedOct 13, 2026
Details

APR

Rate History
1 change since Sep 14, 2026 · 6.05% → 4.90% ▼ 1.15 pts · high 6.05% / low 4.90%
3.75%5.48%7.20%Sep 14, 2026: 6.05% APRSep 17, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.90%▼ from 6.05%
  • Sep 14, 20266.05%first recorded
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2014 - 2019 Loan
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedOct 13, 2026
Details

APR

Rate History
1 change since Sep 14, 2026 · 6.15% → 4.90% ▼ 1.25 pts · high 6.15% / low 4.90%
3.65%5.53%7.40%Sep 14, 2026: 6.15% APRSep 17, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.90%▼ from 6.15%
  • Sep 14, 20266.15%first recorded
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedOct 13, 2026
Details

APR

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 7 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedOct 13, 2026
Details

APR

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 7 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
Valley Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1541 Custer Ave, Billings, MT, 59102
Auto Loan
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedOct 10, 2026
Details

As Low As*; *See important disclosures for details.

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
777 E Main St Ste 102, Bozeman, MT, 59715
Vehicle Loan
4.99%
up to 48 month
View
▼
APR4.99%
Termup to 48 month
Last UpdatedOct 12, 2026
Details

As Low As; up to 48 month term

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2022 or older)
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; OAC

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2023 and newer) - 61 to 75 months
4.99%
61 to 75 months
View
▼
APR4.99%
Term61 to 75 months
Last UpdatedOct 12, 2026
Details

OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 48 Months Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Daniels-Sheridan Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
404 Main Street, Scobey, MT, 59263 1160
Vehicle Loans
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: Up to 5 years

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 12, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 12, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year.

Rate History
No change since Sep 12, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 12, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 10 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Vehicles Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 10 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1300 Baker Ave, Whitefish, MT, 59937 2988
New Vehicles - 2024-'26 models Loan
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 5.24% ▲ 0.85 pts · high 5.24% / low 4.39%
3.54%4.81%6.09%Sep 14, 2026: 4.39% APROct 10, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.24%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1300 Baker Ave, Whitefish, MT, 59937 2988
New Vehicles - 2024-'26 models Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.64% → 5.24% ▲ 0.60 pts · high 5.24% / low 4.64%
4.04%4.94%5.84%Sep 14, 2026: 4.64% APROct 10, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.24%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Sky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
777 E Main St Ste 102, Bozeman, MT, 59715
ECO Auto Loans
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Maximum term 84 months

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
777 E Main St Ste 102, Bozeman, MT, 59715
Vehicle Loans - NEW
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Maximum term

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3410 MONROE AVE, BUTTE, MT, 59701
Used (2024-2020) Vehicle Loan
5.24%
60 month
View
▼
APR5.24%
Term60 month
Last UpdatedOct 12, 2026
Details

As low as; 60 month term

Rate History
No change since Sep 25, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 25, 2026: 5.24% APRSep 25, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 60 Months Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
875 Main St, Billings, MT, 59105
Auto loans
5.24%
60 months (5 years)
View
▼
APR5.24%
Term60 months (5 years)
Last UpdatedOct 13, 2026
Details

Includes cars, pickup trucks, SUVs, etc.

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
5.25%
3 years (36 months)
View
▼
APR5.25%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 16, 2026: 5.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
5.25%
3 years (36 months)
View
▼
APR5.25%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 16, 2026: 5.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
5.25%
3 years (36 months)
View
▼
APR5.25%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Oct 8, 2026: 5.25% APROct 8, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 5.25% APR · checked 8 times
4.75%5.25%5.75%Sep 12, 2026: 5.25% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year and must exceed $20,000.

Rate History
No change since Sep 12, 2026 · 5.25% APR · checked 8 times
4.75%5.25%5.75%Sep 12, 2026: 5.25% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
5.25%
72 months
View
▼
APR5.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 10 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Vehicles Loan
5.25%
72 months
View
▼
APR5.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 10 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
5.30%
72 Months
View
▼
APR5.30%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 5.30% APR · checked 4 times
4.80%5.30%5.80%Sep 16, 2026: 5.30% APRSep 16, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2014 - 2019 Loan
5.40%
72 months
View
▼
APR5.40%
Term72 months
Last UpdatedOct 13, 2026
Details

APR; Minimum loan $15,000

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 8 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
5.40%
72 months
View
▼
APR5.40%
Term72 months
Last UpdatedOct 13, 2026
Details

APR; Minimum loan $15,000

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 8 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 13, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1300 Baker Ave, Whitefish, MT, 59937 2988
New Vehicles - 2024-'26 models Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.89% → 5.49% ▲ 0.60 pts · high 5.49% / low 4.89%
4.29%5.19%6.09%Sep 14, 2026: 4.89% APROct 10, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.49%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3410 MONROE AVE, BUTTE, MT, 59701
Used (2019-2008) Vehicle Loan
5.49%
48 month
View
▼
APR5.49%
Term48 month
Last UpdatedOct 12, 2026
Details

As low as; 48 month term

Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 25, 2026: 5.49% APRSep 25, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2022 or older)
5.49%
Up to 75 months
View
▼
APR5.49%
TermUp to 75 months
Last UpdatedOct 12, 2026
Details

As Low As; OAC

Rate History
No change since Sep 16, 2026 · 5.49% APR · checked 5 times
4.99%5.49%5.99%Sep 16, 2026: 5.49% APRSep 16, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
875 Main St, Billings, MT, 59105
Auto loans
5.49%
72 months (6 years)
View
▼
APR5.49%
Term72 months (6 years)
Last UpdatedOct 13, 2026
Details

Includes cars, pickup trucks, SUVs, etc.

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Richland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
201 W Holly St, Sidney, MT, 59270 3626
Auto Loan
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto Loan Interest rates

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Richland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
201 W Holly St, Sidney, MT, 59270 3626
Auto Loan
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto Loan Interest rates

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Richland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
201 W Holly St, Sidney, MT, 59270 3626
Auto Loan
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto Loan Interest rates

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
5.50%
4 years (48 months)
View
▼
APR5.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
5.50%
4 years (48 months)
View
▼
APR5.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
5.50%
4 years (48 months)
View
▼
APR5.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 8, 2026: 5.50% APROct 8, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
5.50%
2 years (24 months)
View
▼
APR5.50%
Term2 years (24 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
5.50%
2 years (24 months)
View
▼
APR5.50%
Term2 years (24 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 8, 2026: 5.50% APROct 8, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 12, 2026: 5.50% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 12, 2026: 5.50% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles two to seven years old.

Rate History
No change since Sep 12, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 12, 2026: 5.50% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 10 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Vehicles Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 10 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
1111 24th St W, Billings, MT, 59102 3809
New (2023 - 2026) Vehicle Loan
5.54%
60 months
View
▼
APR5.54%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Terms: 84 months

Rate History
No change since Oct 6, 2026 · 5.54% APR · checked 2 times
5.04%5.54%6.04%Oct 6, 2026: 5.54% APROct 6, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
5.60%
84 Months
View
▼
APR5.60%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 5.60% APR · checked 4 times
5.10%5.60%6.10%Sep 16, 2026: 5.60% APRSep 16, 2026Oct 13, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1300 Baker Ave, Whitefish, MT, 59937 2988
New Vehicles - 2024-'26 models Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.14% → 5.74% ▲ 0.60 pts · high 5.74% / low 5.14%
4.54%5.44%6.34%Sep 14, 2026: 5.14% APROct 10, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.74%▲ from 5.14%
  • Sep 14, 20265.14%first recorded
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 72 Months Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Richland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
201 W Holly St, Sidney, MT, 59270 3626
Auto Loan
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto Loan Interest rates

Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
5.75%
5 years (60 months)
View
▼
APR5.75%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
5.75%
5 years (60 months)
View
▼
APR5.75%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
5.75%
5 years (60 months)
View
▼
APR5.75%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 8, 2026: 5.75% APROct 8, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year and must exceed $20,000.0

Rate History
No change since Sep 12, 2026 · 5.75% APR · checked 8 times
5.25%5.75%6.25%Sep 12, 2026: 5.75% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
5.75%
96 months
View
▼
APR5.75%
Term96 months
Last UpdatedOct 13, 2026
Details

Minimum $10,000

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 10 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Recreation Vehicles Loan
5.75%
48 months
View
▼
APR5.75%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 10 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Vehicles Loan
5.75%
48 months
View
▼
APR5.75%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 10 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
1111 24th St W, Billings, MT, 59102 3809
Used (2019 - 2022) Vehicle Loan
5.79%
60 months
View
▼
APR5.79%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Terms: 72 months

Rate History
No change since Oct 6, 2026 · 5.79% APR · checked 2 times
5.29%5.79%6.29%Oct 6, 2026: 5.79% APROct 6, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2023 and newer) - 76 to 84 months
5.99%
76 to 84 months
View
▼
APR5.99%
Term76 to 84 months
Last UpdatedOct 12, 2026
Details

OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) - 24 Months Loan
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) Loan
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
6.00%
6 years (72 months)
View
▼
APR6.00%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
6.00%
6 years (72 months)
View
▼
APR6.00%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
6.00%
6 years (72 months)
View
▼
APR6.00%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Oct 8, 2026: 6.00% APROct 8, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
6.00%
3 years (36 months)
View
▼
APR6.00%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
6.00%
3 years (36 months)
View
▼
APR6.00%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Oct 8, 2026: 6.00% APROct 8, 2026Oct 13, 2026
Daniels-Sheridan Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.90%
404 Main Street, Scobey, MT, 59263 1160
Vehicle Loans
6.00%
up to 60 months
View
▼
APR6.00%
Termup to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 5+ Years

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles two to seven years old.

Rate History
No change since Sep 12, 2026 · 6.00% APR · checked 8 times
5.50%6.00%6.50%Sep 12, 2026: 6.00% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
6.00%
108 months
View
▼
APR6.00%
Term108 months
Last UpdatedOct 13, 2026
Details

Minimum $10,000

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Recreation Vehicles Loan
6.00%
60 months
View
▼
APR6.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Vehicles Loan
6.00%
60 months
View
▼
APR6.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2013 & Older Loan
6.05%
48 months
View
▼
APR6.05%
Term48 months
Last UpdatedOct 13, 2026
Details

APR

Rate History
No change since Sep 14, 2026 · 6.05% APR · checked 7 times
5.55%6.05%6.55%Sep 14, 2026: 6.05% APRSep 14, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2013 & Older Loan
6.15%
60 months
View
▼
APR6.15%
Term60 months
Last UpdatedOct 13, 2026
Details

APR

Rate History
No change since Sep 14, 2026 · 6.15% APR · checked 7 times
5.65%6.15%6.65%Sep 14, 2026: 6.15% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
904 Main St, Billings, MT, 59105
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
904 Main St, Billings, MT, 59105
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2022 or older)
6.24%
Up to 84 months
View
▼
APR6.24%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; OAC

Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 16, 2026: 6.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 84 Months Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Sep 16, 2026: 6.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 16, 2026: 6.24% APRSep 16, 2026Oct 13, 2026
Richland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
201 W Holly St, Sidney, MT, 59270 3626
Auto Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto Loan Interest rates

Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
6.25%
7 years (84 months)
View
▼
APR6.25%
Term7 years (84 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
6.25%
7 years (84 months)
View
▼
APR6.25%
Term7 years (84 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
6.25%
7 years (84 months)
View
▼
APR6.25%
Term7 years (84 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Oct 8, 2026: 6.25% APROct 8, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2013 & Older Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 13, 2026
Details

APR; Minimum loan $15,000

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
6.25%
84 months
View
▼
APR6.25%
Term84 months
Last UpdatedOct 13, 2026
Details

APR; Minimum loan $30,000

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
6.25%
120 months
View
▼
APR6.25%
Term120 months
Last UpdatedOct 13, 2026
Details

Minimum $10,000

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 10 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Recreation Vehicles Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 10 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Vehicles Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 10 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
904 Main St, Billings, MT, 59105
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
904 Main St, Billings, MT, 59105
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
The Family First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
2901 11th Ave s, Great Falls, MT, 59405 5301
New & Used Recreational/Seasonal Vehicles Loan
6.34%
Up to 72 months
View
▼
APR6.34%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Loan Rate Type: New & Used Recreational/Seasonal Vehicles

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
Richland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
201 W Holly St, Sidney, MT, 59270 3626
Auto Loan
6.50%
84 months
View
▼
APR6.50%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto Loan Interest rates

Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
6.50%
4 years (48 months)
View
▼
APR6.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
6.50%
4 years (48 months)
View
▼
APR6.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 8, 2026: 6.50% APROct 8, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles older than seven years and must exceed $20,000.

Rate History
No change since Sep 12, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 12, 2026: 6.50% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
6.50%
180 months
View
▼
APR6.50%
Term180 months
Last UpdatedOct 13, 2026
Details

Minimum $50,000

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 10 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
777 E Main St Ste 102, Bozeman, MT, 59715
Vehicle Loans - USED
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Maximum term

Rate History
No change since Sep 16, 2026 · 6.74% APR · checked 5 times
6.24%6.74%7.24%Sep 16, 2026: 6.74% APRSep 16, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
6.75%
96 months
View
▼
APR6.75%
Term96 months
Last UpdatedOct 13, 2026
Details

APR; Minimum loan $50,000

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2023 and newer) - 85 to 96 months
6.99%
85 to 96 months
View
▼
APR6.99%
Term85 to 96 months
Last UpdatedOct 12, 2026
Details

OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Rate History
No change since Oct 12, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 12, 2026: 6.99% APROct 12, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) - 36 Months Loan
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) Loan
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
7.00%
5 years (60 months)
View
▼
APR7.00%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 7.00% APR · checked 5 times
6.50%7.00%7.50%Sep 16, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
7.00%
5 years (60 months)
View
▼
APR7.00%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 8, 2026: 7.00% APROct 8, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
7.00%
36 Months
View
▼
APR7.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles older than seven years.

Rate History
No change since Sep 12, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 12, 2026: 7.00% APRSep 12, 2026Oct 13, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
1111 24th St W, Billings, MT, 59102 3809
Older (2018 or older) Vehicle Loan
7.04%
60 months
View
▼
APR7.04%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Terms: 60 months

Rate History
No change since Oct 6, 2026 · 7.04% APR · checked 2 times
6.54%7.04%7.54%Oct 6, 2026: 7.04% APROct 6, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
New Vehicles & Recreational Equipment (Never Titled) Loan
7.25%
Up to 5 years
View
▼
APR7.25%
TermUp to 5 years
Last UpdatedOct 12, 2026
Details

Published APR range: 7.25% - 15.95%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
7.50%
6 years (72 months)
View
▼
APR7.50%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 16, 2026: 7.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
7.50%
6 years (72 months)
View
▼
APR7.50%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) - 48 Months Loan
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 2 times
7.24%7.74%8.24%Sep 16, 2026: 7.74% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) Loan
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 5 times
7.24%7.74%8.24%Sep 16, 2026: 7.74% APRSep 16, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2022 or older)
7.99%
Up to 60 months
View
▼
APR7.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; 2015 or older vehicles; OAC

Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 5 times
7.49%7.99%8.49%Sep 16, 2026: 7.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) - 60 Months Loan
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Sep 16, 2026: 7.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) Loan
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 5 times
7.49%7.99%8.49%Sep 16, 2026: 7.99% APRSep 16, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
New Vehicles & Recreational Equipment (Never Titled) Loan
8.00%
6 years
View
▼
APR8.00%
Term6 years
Last UpdatedOct 12, 2026
Details

Published APR range: 8.00% - 17.50%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APRSep 18, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
8.00%
48 Months
View
▼
APR8.00%
Term48 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles older than seven years.

Rate History
No change since Sep 12, 2026 · 8.00% APR · checked 8 times
7.50%8.00%8.50%Sep 12, 2026: 8.00% APRSep 12, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
Newer Vehicles & Recreational Equipment (2022, 2021, 2020) Loan
8.25%
Up to 5 years
View
▼
APR8.25%
TermUp to 5 years
Last UpdatedOct 12, 2026
Details

Published APR range: 8.25% - 16.95%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 8.25% APR · checked 6 times
7.75%8.25%8.75%Sep 18, 2026: 8.25% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
New Vehicles & Recreational Equipment (Never Titled) Loan
8.75%
7 years
View
▼
APR8.75%
Term7 years
Last UpdatedOct 12, 2026
Details

Published APR range: 8.75% - 18.25%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 18, 2026: 8.75% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
New Vehicles & Recreational Equipment (Never Titled) Loan
9.25%
8 years
View
▼
APR9.25%
Term8 years
Last UpdatedOct 12, 2026
Details

Published APR range: 9.25% - 19.00%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 9.25% APR · checked 6 times
8.75%9.25%9.75%Sep 18, 2026: 9.25% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
Used Vehicles & Recreational Equipment (2019 and older) Loan
9.25%
Up to 3 years
View
▼
APR9.25%
TermUp to 3 years
Last UpdatedOct 12, 2026
Details

Published APR range: 9.25% - 16.95%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 9.25% APR · checked 6 times
8.75%9.25%9.75%Sep 18, 2026: 9.25% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
Newer Vehicles & Recreational Equipment (2022, 2021, 2020) Loan
9.75%
6 & 7 years
View
▼
APR9.75%
Term6 & 7 years
Last UpdatedOct 12, 2026
Details

Published APR range: 9.75% - 18.50%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 9.75% APR · checked 6 times
9.25%9.75%10.25%Sep 18, 2026: 9.75% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
Used Vehicles & Recreational Equipment (2019 and older) Loan
9.75%
4 to 6 years
View
▼
APR9.75%
Term4 to 6 years
Last UpdatedOct 12, 2026
Details

Published APR range: 9.75% - 18.50%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 9.75% APR · checked 6 times
9.25%9.75%10.25%Sep 18, 2026: 9.75% APRSep 18, 2026Oct 13, 2026

Montana New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2023 and newer) - Up to 60 months
3.99%
Up to 60 months
View
▼
APR3.99%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Rate History
No change since Oct 12, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 12, 2026: 3.99% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APRSep 12, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 16, 2026: 4.24% APRSep 16, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 12, 2026: 4.25% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year.

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year.

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3410 MONROE AVE, BUTTE, MT, 59701
New (2025-2024) Vehicle Loan
4.49%
60 month
View
▼
APR4.49%
Term60 month
Last UpdatedOct 12, 2026
Details

As Low As; 60 month term

Rate History
No change since Sep 25, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 25, 2026: 4.49% APRSep 25, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 12, 2026: 4.50% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APRSep 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 4.75% APR · checked 8 times
4.25%4.75%5.25%Sep 12, 2026: 4.75% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 10 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Vehicles Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 13, 2026
Details

All Rates are subject to change without notice. Some restrictions may apply.

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 10 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedOct 13, 2026
Details

APR

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 7 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedOct 13, 2026
Details

APR

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 7 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2023 and newer) - 61 to 75 months
4.99%
61 to 75 months
View
▼
APR4.99%
Term61 to 75 months
Last UpdatedOct 12, 2026
Details

OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Rate History
No change since Oct 12, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 12, 2026: 4.99% APROct 12, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle - 2024 to 2026 Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedOct 12, 2026
Details

Interest rates are subject to change due to credit ratings. Call for details.

Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
New Vehicle Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2024 to 2026

Rate History
No change since Sep 12, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 12, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year.

Rate History
No change since Sep 12, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 12, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 10 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Vehicles Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 10 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1300 Baker Ave, Whitefish, MT, 59937 2988
New Vehicles - 2024-'26 models Loan
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.39% → 5.24% ▲ 0.85 pts · high 5.24% / low 4.39%
3.54%4.81%6.09%Sep 14, 2026: 4.39% APROct 10, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.24%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1300 Baker Ave, Whitefish, MT, 59937 2988
New Vehicles - 2024-'26 models Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.64% → 5.24% ▲ 0.60 pts · high 5.24% / low 4.64%
4.04%4.94%5.84%Sep 14, 2026: 4.64% APROct 10, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.24%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Sky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
777 E Main St Ste 102, Bozeman, MT, 59715
Vehicle Loans - NEW
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Maximum term

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
5.25%
3 years (36 months)
View
▼
APR5.25%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 16, 2026: 5.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
5.25%
3 years (36 months)
View
▼
APR5.25%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 16, 2026: 5.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
5.25%
3 years (36 months)
View
▼
APR5.25%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Oct 8, 2026: 5.25% APROct 8, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year and must exceed $20,000.

Rate History
No change since Sep 12, 2026 · 5.25% APR · checked 8 times
4.75%5.25%5.75%Sep 12, 2026: 5.25% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
5.25%
72 months
View
▼
APR5.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 10 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Vehicles Loan
5.25%
72 months
View
▼
APR5.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 10 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
5.30%
72 Months
View
▼
APR5.30%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 5.30% APR · checked 4 times
4.80%5.30%5.80%Sep 16, 2026: 5.30% APRSep 16, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
5.40%
72 months
View
▼
APR5.40%
Term72 months
Last UpdatedOct 13, 2026
Details

APR; Minimum loan $15,000

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 8 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 13, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1300 Baker Ave, Whitefish, MT, 59937 2988
New Vehicles - 2024-'26 models Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.89% → 5.49% ▲ 0.60 pts · high 5.49% / low 4.89%
4.29%5.19%6.09%Sep 14, 2026: 4.89% APROct 10, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.49%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
5.50%
4 years (48 months)
View
▼
APR5.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
5.50%
4 years (48 months)
View
▼
APR5.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
5.50%
4 years (48 months)
View
▼
APR5.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 8, 2026: 5.50% APROct 8, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 10 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Vehicles Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 10 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
1111 24th St W, Billings, MT, 59102 3809
New (2023 - 2026) Vehicle Loan
5.54%
60 months
View
▼
APR5.54%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Terms: 84 months

Rate History
No change since Oct 6, 2026 · 5.54% APR · checked 2 times
5.04%5.54%6.04%Oct 6, 2026: 5.54% APROct 6, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
New Vehicles (2024-2026) Loan
5.60%
84 Months
View
▼
APR5.60%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicles

Rate History
No change since Sep 16, 2026 · 5.60% APR · checked 4 times
5.10%5.60%6.10%Sep 16, 2026: 5.60% APRSep 16, 2026Oct 13, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
1300 Baker Ave, Whitefish, MT, 59937 2988
New Vehicles - 2024-'26 models Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.14% → 5.74% ▲ 0.60 pts · high 5.74% / low 5.14%
4.54%5.44%6.34%Sep 14, 2026: 5.14% APROct 10, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.74%▲ from 5.14%
  • Sep 14, 20265.14%first recorded
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
5.75%
5 years (60 months)
View
▼
APR5.75%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
5.75%
5 years (60 months)
View
▼
APR5.75%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
5.75%
5 years (60 months)
View
▼
APR5.75%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Oct 8, 2026: 5.75% APROct 8, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
New Vehicle Loan
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedOct 12, 2026
Details

This Vehicle Loan Rate applies to current and previous year and must exceed $20,000.0

Rate History
No change since Sep 12, 2026 · 5.75% APR · checked 8 times
5.25%5.75%6.25%Sep 12, 2026: 5.75% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
5.75%
96 months
View
▼
APR5.75%
Term96 months
Last UpdatedOct 13, 2026
Details

Minimum $10,000

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 10 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2023 and newer) - 76 to 84 months
5.99%
76 to 84 months
View
▼
APR5.99%
Term76 to 84 months
Last UpdatedOct 12, 2026
Details

OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Rate History
No change since Oct 12, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 12, 2026: 5.99% APROct 12, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
6.00%
6 years (72 months)
View
▼
APR6.00%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
6.00%
6 years (72 months)
View
▼
APR6.00%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
6.00%
6 years (72 months)
View
▼
APR6.00%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Oct 8, 2026: 6.00% APROct 8, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
6.00%
108 months
View
▼
APR6.00%
Term108 months
Last UpdatedOct 13, 2026
Details

Minimum $10,000

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
904 Main St, Billings, MT, 59105
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
904 Main St, Billings, MT, 59105
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2024-2025 (Clean Retail) Loan
6.25%
7 years (84 months)
View
▼
APR6.25%
Term7 years (84 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles - 2026 (MSRP) Loan
6.25%
7 years (84 months)
View
▼
APR6.25%
Term7 years (84 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 16, 2026: 6.25% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
New Vehicles Loan
6.25%
7 years (84 months)
View
▼
APR6.25%
Term7 years (84 months)
Last UpdatedOct 12, 2026
Details

2026 (MSRP)

Rate History
No change since Oct 8, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Oct 8, 2026: 6.25% APROct 8, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
6.25%
84 months
View
▼
APR6.25%
Term84 months
Last UpdatedOct 13, 2026
Details

APR; Minimum loan $30,000

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 8 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
6.25%
120 months
View
▼
APR6.25%
Term120 months
Last UpdatedOct 13, 2026
Details

Minimum $10,000

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 10 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
The Family First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
2901 11th Ave s, Great Falls, MT, 59405 5301
New & Used Recreational/Seasonal Vehicles Loan
6.34%
Up to 72 months
View
▼
APR6.34%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Loan Rate Type: New & Used Recreational/Seasonal Vehicles

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
New Recreation Vehicles Loan
6.50%
180 months
View
▼
APR6.50%
Term180 months
Last UpdatedOct 13, 2026
Details

Minimum $50,000

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 10 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 W Broadway St, Missoula, MT, 59802 4008
Vehicles 2020 or newer Loan
6.75%
96 months
View
▼
APR6.75%
Term96 months
Last UpdatedOct 13, 2026
Details

APR; Minimum loan $50,000

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
15 14th St S, Great Falls, MT, 59401 3800
Auto Loans (2023 and newer) - 85 to 96 months
6.99%
85 to 96 months
View
▼
APR6.99%
Term85 to 96 months
Last UpdatedOct 12, 2026
Details

OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors.

Rate History
No change since Oct 12, 2026 · 6.99% APR
6.49%6.99%7.49%Oct 12, 2026: 6.99% APROct 12, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
New Vehicles & Recreational Equipment (Never Titled) Loan
7.25%
Up to 5 years
View
▼
APR7.25%
TermUp to 5 years
Last UpdatedOct 12, 2026
Details

Published APR range: 7.25% - 15.95%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 7.25% APR · checked 6 times
6.75%7.25%7.75%Sep 18, 2026: 7.25% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
New Vehicles & Recreational Equipment (Never Titled) Loan
8.00%
6 years
View
▼
APR8.00%
Term6 years
Last UpdatedOct 12, 2026
Details

Published APR range: 8.00% - 17.50%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 8.00% APR · checked 6 times
7.50%8.00%8.50%Sep 18, 2026: 8.00% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
Newer Vehicles & Recreational Equipment (2022, 2021, 2020) Loan
8.25%
Up to 5 years
View
▼
APR8.25%
TermUp to 5 years
Last UpdatedOct 12, 2026
Details

Published APR range: 8.25% - 16.95%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 8.25% APR · checked 6 times
7.75%8.25%8.75%Sep 18, 2026: 8.25% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
New Vehicles & Recreational Equipment (Never Titled) Loan
8.75%
7 years
View
▼
APR8.75%
Term7 years
Last UpdatedOct 12, 2026
Details

Published APR range: 8.75% - 18.25%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 8.75% APR · checked 6 times
8.25%8.75%9.25%Sep 18, 2026: 8.75% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
New Vehicles & Recreational Equipment (Never Titled) Loan
9.25%
8 years
View
▼
APR9.25%
Term8 years
Last UpdatedOct 12, 2026
Details

Published APR range: 9.25% - 19.00%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 9.25% APR · checked 6 times
8.75%9.25%9.75%Sep 18, 2026: 9.25% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
Newer Vehicles & Recreational Equipment (2022, 2021, 2020) Loan
9.75%
6 & 7 years
View
▼
APR9.75%
Term6 & 7 years
Last UpdatedOct 12, 2026
Details

Published APR range: 9.75% - 18.50%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 9.75% APR · checked 6 times
9.25%9.75%10.25%Sep 18, 2026: 9.75% APRSep 18, 2026Oct 13, 2026

Montana Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 24 Months Loan
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Sep 16, 2026: 4.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 16, 2026: 4.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 36 Months Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 12, 2026: 4.50% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles two to seven years old.

Rate History
No change since Sep 12, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 12, 2026: 4.50% APRSep 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 4.75% APR · checked 8 times
4.25%4.75%5.25%Sep 12, 2026: 4.75% APRSep 12, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 48 Months Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 5.00% APR · checked 8 times
4.50%5.00%5.50%Sep 12, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3410 MONROE AVE, BUTTE, MT, 59701
Used (2024-2020) Vehicle Loan
5.24%
60 month
View
▼
APR5.24%
Term60 month
Last UpdatedOct 12, 2026
Details

As low as; 60 month term

Rate History
No change since Sep 25, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 25, 2026: 5.24% APRSep 25, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 60 Months Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 16, 2026: 5.24% APRSep 16, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 5.25% APR · checked 8 times
4.75%5.25%5.75%Sep 12, 2026: 5.25% APRSep 12, 2026Oct 13, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3410 MONROE AVE, BUTTE, MT, 59701
Used (2019-2008) Vehicle Loan
5.49%
48 month
View
▼
APR5.49%
Term48 month
Last UpdatedOct 12, 2026
Details

As low as; 48 month term

Rate History
No change since Sep 25, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 25, 2026: 5.49% APRSep 25, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
5.50%
2 years (24 months)
View
▼
APR5.50%
Term2 years (24 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
5.50%
2 years (24 months)
View
▼
APR5.50%
Term2 years (24 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 8, 2026: 5.50% APROct 8, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle - 2014 to 2023 Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 12, 2026: 5.50% APROct 12, 2026Oct 13, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT, 59330
Used Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 12, 2026
Details

Model Years: 2014 to 2023

Rate History
No change since Sep 12, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 12, 2026: 5.50% APRSep 12, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles two to seven years old.

Rate History
No change since Sep 12, 2026 · 5.50% APR · checked 8 times
5.00%5.50%6.00%Sep 12, 2026: 5.50% APRSep 12, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 72 Months Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 2 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 16, 2026: 5.74% APRSep 16, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Recreation Vehicles Loan
5.75%
48 months
View
▼
APR5.75%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 10 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Vehicles Loan
5.75%
48 months
View
▼
APR5.75%
Term48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 10 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
1111 24th St W, Billings, MT, 59102 3809
Used (2019 - 2022) Vehicle Loan
5.79%
60 months
View
▼
APR5.79%
Term60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Terms: 72 months

Rate History
No change since Oct 6, 2026 · 5.79% APR · checked 2 times
5.29%5.79%6.29%Oct 6, 2026: 5.79% APROct 6, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) - 24 Months Loan
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) Loan
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.99% APR · checked 5 times
5.49%5.99%6.49%Sep 16, 2026: 5.99% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
6.00%
3 years (36 months)
View
▼
APR6.00%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
6.00%
3 years (36 months)
View
▼
APR6.00%
Term3 years (36 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Oct 8, 2026: 6.00% APROct 8, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles two to seven years old.

Rate History
No change since Sep 12, 2026 · 6.00% APR · checked 8 times
5.50%6.00%6.50%Sep 12, 2026: 6.00% APRSep 12, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Recreation Vehicles Loan
6.00%
60 months
View
▼
APR6.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Vehicles Loan
6.00%
60 months
View
▼
APR6.00%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 10 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) - 84 Months Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Sep 16, 2026: 6.24% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023) Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 5 times
5.74%6.24%6.74%Sep 16, 2026: 6.24% APRSep 16, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Recreation Vehicles Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 10 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Butte Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
2901 Grand Ave, Butte, MT, 59701 5172
Used Vehicles Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 10 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
904 Main St, Billings, MT, 59105
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
904 Main St, Billings, MT, 59105
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
The Family First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
2901 11th Ave s, Great Falls, MT, 59405 5301
New & Used Recreational/Seasonal Vehicles Loan
6.34%
Up to 72 months
View
▼
APR6.34%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Loan Rate Type: New & Used Recreational/Seasonal Vehicles

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
6.50%
4 years (48 months)
View
▼
APR6.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 16, 2026: 6.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
6.50%
4 years (48 months)
View
▼
APR6.50%
Term4 years (48 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Oct 8, 2026: 6.50% APROct 8, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles older than seven years and must exceed $20,000.

Rate History
No change since Sep 12, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 12, 2026: 6.50% APRSep 12, 2026Oct 13, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
777 E Main St Ste 102, Bozeman, MT, 59715
Vehicle Loans - USED
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Maximum term

Rate History
No change since Sep 16, 2026 · 6.74% APR · checked 5 times
6.24%6.74%7.24%Sep 16, 2026: 6.74% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) - 36 Months Loan
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 2 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) Loan
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 5 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
7.00%
5 years (60 months)
View
▼
APR7.00%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 7.00% APR · checked 5 times
6.50%7.00%7.50%Sep 16, 2026: 7.00% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
7.00%
5 years (60 months)
View
▼
APR7.00%
Term5 years (60 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 8, 2026: 7.00% APROct 8, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
7.00%
36 Months
View
▼
APR7.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles older than seven years.

Rate History
No change since Sep 12, 2026 · 7.00% APR · checked 8 times
6.50%7.00%7.50%Sep 12, 2026: 7.00% APRSep 12, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles - 2023 - Older Clean Retail Loan
7.50%
6 years (72 months)
View
▼
APR7.50%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 7.50% APR · checked 5 times
7.00%7.50%8.00%Sep 16, 2026: 7.50% APRSep 16, 2026Oct 13, 2026
Badlands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
302 W Towne St, Glendive, MT, 59330 1744
Used Vehicles Loan
7.50%
6 years (72 months)
View
▼
APR7.50%
Term6 years (72 months)
Last UpdatedOct 12, 2026
Details

2023 - Older Clean Retail

Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 2 times
7.00%7.50%8.00%Oct 8, 2026: 7.50% APROct 8, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) - 48 Months Loan
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 2 times
7.24%7.74%8.24%Sep 16, 2026: 7.74% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) Loan
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 7.74% APR · checked 5 times
7.24%7.74%8.24%Sep 16, 2026: 7.74% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) - 60 Months Loan
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedOct 12, 2026
Details

Rates As Low As

Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 2 times
7.49%7.99%8.49%Sep 16, 2026: 7.99% APRSep 16, 2026Oct 13, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.40%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2016-2020) Loan
7.99%
60 Months
View
▼
APR7.99%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 5 times
7.49%7.99%8.49%Sep 16, 2026: 7.99% APRSep 16, 2026Oct 13, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
400 E Park St, Butte, MT, 59701 1916
Used Vehicle Loan
8.00%
48 Months
View
▼
APR8.00%
Term48 Months
Last UpdatedOct 12, 2026
Details

Note: This includes all vehicles older than seven years.

Rate History
No change since Sep 12, 2026 · 8.00% APR · checked 8 times
7.50%8.00%8.50%Sep 12, 2026: 8.00% APRSep 12, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
Used Vehicles & Recreational Equipment (2019 and older) Loan
9.25%
Up to 3 years
View
▼
APR9.25%
TermUp to 3 years
Last UpdatedOct 12, 2026
Details

Published APR range: 9.25% - 16.95%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 9.25% APR · checked 6 times
8.75%9.25%9.75%Sep 18, 2026: 9.25% APRSep 18, 2026Oct 13, 2026
Fort Peck Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.94%
54176 US Highway 2, Glasgow, MT, 59230
Used Vehicles & Recreational Equipment (2019 and older) Loan
9.75%
4 to 6 years
View
▼
APR9.75%
Term4 to 6 years
Last UpdatedOct 12, 2026
Details

Published APR range: 9.75% - 18.50%. Loan Rates and Terms

Rate History
No change since Sep 18, 2026 · 9.75% APR · checked 6 times
9.25%9.75%10.25%Sep 18, 2026: 9.75% APRSep 18, 2026Oct 13, 2026

Montana Auto Loan Rate Trends

Compare local Montana auto loan rates against the statewide average

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

View Full Montana Auto Trends
New Auto Loan MT Avg
5.173%
▼ 0.018 vs 7 days ago

Montana new auto rates fell 0.018 points over the past 7 days to 5.173% APR.

Used Auto Loan MT Avg
5.875%
▼ 0.013 vs 7 days ago

Montana used auto rates fell 0.013 points over the past 7 days to 5.875% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Montana 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 Montana figures.

Current New Auto Avg
5.17%
APR, as of Oct 13, 2026
6-Month Forecast
5.25%
Fed hold assumed
12-Month Forecast
5.32%
Range: 4.97% to 5.52%
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.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Montana 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 @ 5.17% APR
MT average		 Used Auto @ 5.87% APR
MT average		 Monthly Difference
$15,000 $284.26/mo $289.12/mo $4.86/mo
$25,000 $473.76/mo $481.87/mo $8.10/mo
$35,000 $663.27/mo $674.61/mo $11.34/mo
$45,000 $852.78/mo $867.36/mo $14.58/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.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Montana

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Montana 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.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Montana. 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.

3

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.

4

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.

Building a down payment, or is an auto loan not the right fit?

Montana Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$40,712
Median Individual Earnings
National avg: $47,340
3.6%
Unemployment Rate
National avg: 4.8%
11.5%
Poverty Rate
National avg: 11.1%
$569/mo
Payment on a $30K / 60-mo Loan
At MT new-auto avg 5.17% APR

A $569 monthly car payment works out to roughly 16.8% of the median individual income in Montana. 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 Montana, 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 Montana. We’ve prefilled the APR with today’s MT new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

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 Montana 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 Montana 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 Montana. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MT.

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 Montana

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.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%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.

See Bad Credit Car Loans
Powered byMonitorBankRates

Frequently Asked Questions about Auto Loans in Montana

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

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Montana 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 Montana *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 Montana 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.

Should I get preapproved for an auto loan before visiting a dealer in Montana?

Yes. A preapproval from a bank or credit union serving Montana gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Montana can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Montana?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Montana?

Based on our current data, some of the lowest auto loan rates available in Montana include:
  • Montana Federal Credit Union: 3.99% (Auto Loans (2023 and newer) - Up to 60 months)
  • Glendive BN Federal Credit Union: 4.00% (New Vehicle - 2024 to 2026 Loan)
  • Southwest Montana Community Federal Credit Union: 4.24% (New Vehicles (2024-2026) Loan)
  • Mountain West Federal Credit Union: 4.25% (New Vehicle Loan)
  • Mile High Federal Credit Union: 4.49% (New (2025-2024) Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Montana. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

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Montana Auto Loan Calculator

Auto Loan Rates by City in Montana

  • Dodson
  • Drummond
  • Dupuyer
  • Dutton
  • East Glacier Park
  • East Helena
  • Edgar
  • Ekalaka
  • Elliston
  • Elmo
  • Emigrant
  • Ennis
  • Essex
  • Ethridge
  • Eureka
  • Fairfield
  • Fairview
  • Fallon
  • Fishtail
  • Flaxville
  • Florence
  • Floweree
  • Forestgrove
  • Forsyth
  • Fort Benton
  • Fort Harrison
  • Fort Peck
  • Fort Shaw
  • Fortine
  • Four Corners
  • Frazer
  • Frenchtown
  • Froid
  • Fromberg
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  • Gallatin Gateway
  • Gardiner
  • Garneill
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  • Glen
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  • Grass Range
  • Great Falls
  • Greenough
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  • Hall
  • Hamilton
  • Hammond
  • Hardin
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  • Harlowton
  • Harrison
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  • Haugan
  • Havre
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  • Hilger
  • Hingham
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  • Hobson
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  • Kalispell
  • Kevin
  • Kila
  • Richland
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  • Roberts
  • Rollins
  • Ronan
  • Roscoe
  • Rosebud
  • Roundup
  • Roy
  • Rudyard
  • Ryegate
  • Saco
  • Saint Ignatius
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  • Saint Xavier
  • Saltese
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  • Sanders
  • Santa Rita
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  • Seeley Lake
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  • Stryker
  • Sula
  • Sumatra
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  • Sunburst
  • Superior
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  • Teigen
  • Terry
  • Thompson Falls
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  • Twin Bridges
  • Two Dot
  • Ulm
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  • Volborg
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  • Willow Creek
  • Wilsall
  • Winifred
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  • Winston
  • Wisdom
  • Wise River
  • Wolf Creek
  • Wolf Point
  • Worden
  • Wyola
  • Yellowtail
  • Zortman
  • Zurich