Auto Loan Rates in Kearney, Nebraska (NE) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Kearney, Nebraska. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Kearney, Nebraska include MembersOwn Credit UnionMembersOwn Credit UnionA5.0 ★Texas Ratio: 6.20% offering New & 1-5 Year Old Used Autos at 3.35%, Omaha Federal Credit UnionOmaha Federal Credit UnionA+5.0 ★Texas Ratio: 2.17% offering New Auto - 2024 - 2026 Model Yrs at 3.99%, Metro Federal Credit UnionMetro Federal Credit UnionA+5.0 ★Texas Ratio: 1.31% offering 36 Month or Less Auto Loan at 3.99%, Hemingford Community Federal Credit UnionHemingford Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.04% offering New Vehicles (New and 1 & 2 Yrs Old) Loan at 4.50%, OneNebraska Federal Credit UnionOneNebraska Federal Credit UnionA5.0 ★Texas Ratio: 11.07% offering New Auto Loan at 4.50%. Auto loan rates as of May 31, 2026 according to verified data from MonitorBankRates.
Kearney borrowers have access to 14 lenders serving the Nebraska area, with auto loan rates as low as 3.35% APR from MembersOwn Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Kearney, Nebraska. Auto Loan Rates Last Updated and Verified: May 31, 2026
Compare Auto Loan Rates Today in Kearney, Nebraska & Surrounding Area
Kearney Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
3.35%
36 Months
▼
APR3.35%
Term36 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
3.85%
48 Months
▼
APR3.85%
Term48 Months
Last UpdatedMay 31, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
36 Month or Less Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
48 Month Auto Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
60 Month Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
72 Month Auto Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedMay 29, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6-12 Year Old Used Autos
4.35%
36 Months
▼
APR4.35%
Term36 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
4.35%
72 Months
▼
APR4.35%
Term72 Months
Last UpdatedMay 31, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old) Loan
4.50%
2 Yrs
▼
APR4.50%
Term2 Yrs
Last UpdatedMay 29, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
4.55%
2 Months
▼
APR4.55%
Term2 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
4.65%
3 Months
▼
APR4.65%
Term3 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a++
4.70%
2 Months
▼
APR4.70%
Term2 Months
Last UpdatedMay 22, 2026
Details
2011 to 2015
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
4.75%
4 Months
▼
APR4.75%
Term4 Months
Last UpdatedMay 22, 2026
Details
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old) Loan
4.75%
2 Yrs
▼
APR4.75%
Term2 Yrs
Last UpdatedMay 29, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a++
4.80%
3 Months
▼
APR4.80%
Term3 Months
Last UpdatedMay 22, 2026
Details
2016 to 2019
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Auto Loan
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
4.85%
5 Months
▼
APR4.85%
Term5 Months
Last UpdatedMay 22, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6-12 Year Old Used Autos
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 31, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a++
4.90%
4 Months
▼
APR4.90%
Term4 Months
Last UpdatedMay 22, 2026
Details
2020 to 2024
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Cars Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
4.95%
6 Months
▼
APR4.95%
Term6 Months
Last UpdatedMay 22, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 17, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
84 Month Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 29, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a++
5.00%
5 Months
▼
APR5.00%
Term5 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old) Loan
5.00%
2 Yrs
▼
APR5.00%
Term2 Yrs
Last UpdatedMay 29, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a+
5.05%
2 Months
▼
APR5.05%
Term2 Months
Last UpdatedMay 22, 2026
Details
Model Year 2011 to 2015
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.09%
36 Months
▼
APR5.09%
Term36 Months
Last UpdatedMay 17, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a++
5.10%
6 Months
▼
APR5.10%
Term6 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a+
5.15%
3 Months
▼
APR5.15%
Term3 Months
Last UpdatedMay 22, 2026
Details
Model Year 2016 to 2019
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 17, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Auto Loan
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2025-2023)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Auto
5.24%
< 48 Months
▼
APR5.24%
Term< 48 Months
Last UpdatedMay 21, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a+
5.25%
4 Months
▼
APR5.25%
Term4 Months
Last UpdatedMay 22, 2026
Details
Model Year 2020 to 2024
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
New Auto Loan
5.25%
49-60
▼
APR5.25%
Term49-60
Last UpdatedMay 29, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMay 17, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a+
5.35%
5 Months
▼
APR5.35%
Term5 Months
Last UpdatedMay 22, 2026
Details
Model Year 2025 to 2027
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6-12 Year Old Used Autos
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
5.35%
84 Months
▼
APR5.35%
Term84 Months
Last UpdatedMay 31, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 17, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a+
5.45%
6 Months
▼
APR5.45%
Term6 Months
Last UpdatedMay 22, 2026
Details
Model Year 2025 to 2027
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2025-2023)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMay 17, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old) Loan
5.50%
10 Years
▼
APR5.50%
Term10 Years
Last UpdatedMay 29, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Auto Loan
5.55%
84 Months
▼
APR5.55%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMay 17, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2024 - 2023 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
5.65%
7 Months
▼
APR5.65%
Term7 Months
Last UpdatedMay 22, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedMay 17, 2026
Details
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Auto Loans
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedMay 21, 2026
Details
Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Auto Loan
5.74%
24-63
▼
APR5.74%
Term24-63
Last UpdatedMay 21, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
New Auto Loan
5.75%
61-72
▼
APR5.75%
Term61-72
Last UpdatedMay 29, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old) Loan
5.75%
10 Years
▼
APR5.75%
Term10 Years
Last UpdatedMay 29, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.79%
60 Months
▼
APR5.79%
Term60 Months
Last UpdatedMay 17, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
2025 - 2024 Auto Loan Loyalty
5.79%
66-72
▼
APR5.79%
Term66-72
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan Loyalty
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a++
5.80%
7 Months
▼
APR5.80%
Term7 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 17, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Cars Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 22, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars Loan
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2025-2023)
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 21, 2026
Details
125% of NADA Retail Value
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2024 - 2023 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade a+
6.15%
7 Months
▼
APR6.15%
Term7 Months
Last UpdatedMay 22, 2026
Details
Model Year 2025 to 2027
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Auto Loan
6.24%
64-75
▼
APR6.24%
Term64-75
Last UpdatedMay 21, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
2025 - 2024 Auto Loan
6.29%
66-72
▼
APR6.29%
Term66-72
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
2025 - 2024 Auto Loan Loyalty
6.34%
73-84
▼
APR6.34%
Term73-84
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan Loyalty
6.34%
84 Months
▼
APR6.34%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2022-2019)
6.40%
48 Months
▼
APR6.40%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Auto Loan
6.49%
12-60 months
▼
APR6.49%
Term12-60 months
Last UpdatedMay 21, 2026
Details
125% of NADA Retail Value
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
New Auto Loan
6.75%
73-84
▼
APR6.75%
Term73-84
Last UpdatedMay 29, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
2025 - 2024 Auto Loan
6.84%
73-84
▼
APR6.84%
Term73-84
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Cars Loan
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedMay 22, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars Loan
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedMay 22, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2022-2019)
6.95%
60 Months
▼
APR6.95%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older) Loan
7.00%
11 Years
▼
APR7.00%
Term11 Years
Last UpdatedMay 29, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2022-2019)
7.05%
72 Months
▼
APR7.05%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Auto Loan
7.24%
76-84
▼
APR7.24%
Term76-84
Last UpdatedMay 21, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
Classic Auto Loans- 25 years and older
7.50%
25 Years
▼
APR7.50%
Term25 Years
Last UpdatedMay 29, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older) Loan
7.50%
11 Years
▼
APR7.50%
Term11 Years
Last UpdatedMay 29, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars Loan
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedMay 22, 2026
Details
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
Classic Auto Loans- 25 years and older
8.00%
25 Years
▼
APR8.00%
Term25 Years
Last UpdatedMay 29, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older) Loan
8.00%
1 Months
▼
APR8.00%
Term1 Months
Last UpdatedMay 29, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade b+
8.15%
2 Months
▼
APR8.15%
Term2 Months
Last UpdatedMay 22, 2026
Details
2011 to 2015 Model Year
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Older Used Auto Loan (2018 and older)
8.20%
48 Months
▼
APR8.20%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade b+
8.25%
3 Months
▼
APR8.25%
Term3 Months
Last UpdatedMay 22, 2026
Details
2016 to 2019 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade b+
8.35%
4 Months
▼
APR8.35%
Term4 Months
Last UpdatedMay 22, 2026
Details
2020 to 2024 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade b+
8.45%
5 Months
▼
APR8.45%
Term5 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027 Model Year
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2016-2018 Auto Loan
8.49%
24-63
▼
APR8.49%
Term24-63
Last UpdatedMay 21, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
Classic Auto Loans- 25 years and older
8.50%
25 Years
▼
APR8.50%
Term25 Years
Last UpdatedMay 29, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade b+
8.55%
6 Months
▼
APR8.55%
Term6 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027 Model Year
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Older Used Auto Loan (2018 and older)
8.70%
60 Months
▼
APR8.70%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2016-2018 Auto Loan
8.99%
64-75
▼
APR8.99%
Term64-75
Last UpdatedMay 21, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade b+
9.25%
7 Months
▼
APR9.25%
Term7 Months
Last UpdatedMay 22, 2026
Details
2025 to 2027 Model Year
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade c+
10.10%
2 Months
▼
APR10.10%
Term2 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade c+
10.20%
3 Months
▼
APR10.20%
Term3 Months
Last UpdatedMay 22, 2026
Details
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Fully restored classic cars (25 years or older)
10.25%
4 Months
▼
APR10.25%
Term4 Months
Last UpdatedMay 20, 2026
Details
4 Years (48 Months)
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade c+
10.30%
4 Months
▼
APR10.30%
Term4 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade c+
10.40%
5 Months
▼
APR10.40%
Term5 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade c+
10.50%
6 Months
▼
APR10.50%
Term6 Months
Last UpdatedMay 22, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
car loans risk grade c+
11.20%
7 Months
▼
APR11.20%
Term7 Months
Last UpdatedMay 22, 2026
Details
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older) Loan
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
Powered by
MonitorBankRates
Kearney New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
3.35%
36 Months
▼
APR3.35%
Term36 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
3.85%
48 Months
▼
APR3.85%
Term48 Months
Last UpdatedMay 31, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 21, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 21, 2026
Details
As Low As
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
4.35%
72 Months
▼
APR4.35%
Term72 Months
Last UpdatedMay 31, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old) Loan
4.50%
2 Yrs
▼
APR4.50%
Term2 Yrs
Last UpdatedMay 29, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Auto Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
New Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old) Loan
4.75%
2 Yrs
▼
APR4.75%
Term2 Yrs
Last UpdatedMay 29, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Auto Loan
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Cars Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 17, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old) Loan
5.00%
2 Yrs
▼
APR5.00%
Term2 Yrs
Last UpdatedMay 29, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.09%
36 Months
▼
APR5.09%
Term36 Months
Last UpdatedMay 17, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedMay 17, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Auto Loan
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
New Auto Loan
5.25%
49-60
▼
APR5.25%
Term49-60
Last UpdatedMay 29, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.29%
60 Months
▼
APR5.29%
Term60 Months
Last UpdatedMay 17, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
5.35%
84 Months
▼
APR5.35%
Term84 Months
Last UpdatedMay 31, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.39%
72 Months
▼
APR5.39%
Term72 Months
Last UpdatedMay 17, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 17, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto - 2024 - 2026 Model Yrs
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
New Auto Loan
5.55%
84 Months
▼
APR5.55%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
New Auto Loan
5.75%
61-72
▼
APR5.75%
Term61-72
Last UpdatedMay 29, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Cars Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 22, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
New Auto Loan
6.75%
73-84
▼
APR6.75%
Term73-84
Last UpdatedMay 29, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Cars Loan
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedMay 22, 2026
Details
Powered by
MonitorBankRates
Kearney Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
3.35%
36 Months
▼
APR3.35%
Term36 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
3.85%
48 Months
▼
APR3.85%
Term48 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6-12 Year Old Used Autos
4.35%
36 Months
▼
APR4.35%
Term36 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
4.35%
72 Months
▼
APR4.35%
Term72 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6-12 Year Old Used Autos
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 31, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2025-2023)
5.20%
36 Months
▼
APR5.20%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Auto
5.24%
< 48 Months
▼
APR5.24%
Term< 48 Months
Last UpdatedMay 21, 2026
Details
As Low As
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
6-12 Year Old Used Autos
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 31, 2026
Details
MembersOwn Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
New & 1-5 Year Old Used Autos
5.35%
84 Months
▼
APR5.35%
Term84 Months
Last UpdatedMay 31, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2025-2023)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedMay 17, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Auto
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old) Loan
5.50%
10 Years
▼
APR5.50%
Term10 Years
Last UpdatedMay 29, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMay 17, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2024 - 2023 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedMay 17, 2026
Details
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old) Loan
5.75%
10 Years
▼
APR5.75%
Term10 Years
Last UpdatedMay 29, 2026
Details
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.79%
60 Months
▼
APR5.79%
Term60 Months
Last UpdatedMay 17, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan Loyalty
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 17, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars Loan
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2025-2023)
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2024 - 2023 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan Loyalty
6.34%
84 Months
▼
APR6.34%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2022-2019)
6.40%
48 Months
▼
APR6.40%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars Loan
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedMay 22, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2022-2019)
6.95%
60 Months
▼
APR6.95%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older) Loan
7.00%
11 Years
▼
APR7.00%
Term11 Years
Last UpdatedMay 29, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Used Auto Loan (2022-2019)
7.05%
72 Months
▼
APR7.05%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older) Loan
7.50%
11 Years
▼
APR7.50%
Term11 Years
Last UpdatedMay 29, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars Loan
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedMay 22, 2026
Details
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older) Loan
8.00%
1 Months
▼
APR8.00%
Term1 Months
Last UpdatedMay 29, 2026
Details
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Older Used Auto Loan (2018 and older)
8.20%
48 Months
▼
APR8.20%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
Older Used Auto Loan (2018 and older)
8.70%
60 Months
▼
APR8.70%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older) Loan
12.50%
60 Months
▼
APR12.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
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MonitorBankRates
Kearney, NE Auto Loan Rate Trends
Compare local Kearney, NE auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — NE Avg
4.978%
▼ 0.034 vs 7 days ago
Nebraska new auto rates fell 0.034 points over the past 7 days to 4.978% APR.
Used Auto Loan — NE Avg
6.083%
▼ 0.022 vs 7 days ago
Nebraska used auto rates fell 0.022 points over the past 7 days to 6.083% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kearney, Nebraska 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 Kearney, Nebraska 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 Kearney, Nebraska. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NE.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Kearney, Nebraska
How does my credit score affect my car loan rate in Nebraska?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Kearney, Nebraska 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 Nebraska *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 Kearney, Nebraska typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Kearney, Nebraska?
Based on our current data, some of the lowest auto loan rates available in Kearney, Nebraska include:
- MembersOwn Credit Union: 3.35% (New & 1-5 Year Old Used Autos)
- Omaha Federal Credit Union: 3.99% (New Auto - 2024 - 2026 Model Yrs)
- Metro Federal Credit Union: 3.99% (36 Month or Less Auto Loan)
- Hemingford Community Federal Credit Union: 4.50% (New Vehicles (New and 1 & 2 Yrs Old) Loan)
- OneNebraska Federal Credit Union: 4.50% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Kearney, Nebraska. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 31, 2026
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