Lincoln, Nebraska Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Lincoln, Nebraska include LincOne Federal Credit UnionLincOne Federal Credit Union4638 W St, Lincoln, NE, 68503A+5.0 ★Texas Ratio: 3.08% offering Flex Auto Loan at 4.00%, Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1345 Old Cheney Rd, Lincoln, NE, 68512 1266A+5.0 ★Texas Ratio: 1.43% offering Car Loans at 4.05%, Lincoln Public School Employees Federal Credit UnionLincoln Public School Employees Federal Credit Union5621 N St, Lincoln, NE, 68510A+5.0 ★Texas Ratio: 4.65% offering Vehicle Loan at 4.25%, MembersOwn Credit UnionMembersOwn Credit Union1391 S 33rd St, Lincoln, NE, 68510 4508A+5.0 ★Texas Ratio: 3.59% offering New & 1-5 Year Old Used Autos at 4.25%, Cobalt Federal Credit UnionCobalt Federal Credit Union2801 N 86th St, Lincoln, NE, 68507 3447A+5.0 ★Texas Ratio: 5.54% offering New 2026 & New/Used 2025 Auto Loan at 4.49%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Lincoln has 7 local institutions in our database, with auto loan rates as low as 4.00% APR from LincOne Federal Credit Union at 4638 W St, Lincoln, NE, 68503. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lincoln, Nebraska. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Lincoln, Nebraska & Surrounding Area
Lincoln Auto Loan Rates
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
Model Year: 2011 to 2015
Model Year: 2016 to 2019
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
Credit Score > 700
Model Year: 2020 to 2024
Model Year: 2025 to 2027
Model Year: 2011 to 2015
Model Year: 2025 to 2027
As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
Vehicle Year: 2024 - 2023; Loyalty APR as low as*
Credit Score > 700
Credit Score > 700
Model Year: 2016 to 2019
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
Model Year: 2020 to 2024
Model Year: 2025 to 2027
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
Model Year: 2025 to 2027
As Low As*; Vehicle Year: New 2026 & New/Used 2025
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
Vehicle Year: 2024 - 2023; APR as low as*
Vehicle Year: 2022 - 2021; Loyalty Rate
Model Year: 2011 to 2015
Model Year: 2025 to 2027
Model Year: 2016 to 2019
As Low As*; Vehicle Year: 2025 - 2024
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; APR as low as*
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
699-650
Credit Score > 700
80% Loan to Value
Model Year: 2020 to 2024
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
One Rate Any Ride! Same Rate for New or Used Vehicles
Term: 24-72 Months (84 month term available for loan amounts greater than $20,000.); As Low As
As Low As
Model Year: 2025 to 2027
Model Year: 2025 to 2027
As Low As*; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; APR as low as*
Vehicle Year: 2022 - 2021
699-650
699-650
Credit Score > 700
Credit Score > 700
Model Year: 2025 to 2027
70% Loan to Value
As Low As*; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; APR as low as*
Vehicle Year: 2021 - 2020; Loyalty Rate
Vehicle Year: 2021 - 2020; Loyalty Rate
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Model Year: 2025 to 2027
Vehicle Year: 2021 - 2020
Loyalty Rate
699-650
Credit Score > 700
Vehicle Year: 2021 - 2020
85% Loan to Value
699-650
699-650
Credit Score > 700
Credit Score > 700
Vehicle Year: 2020 - 2018; Loyalty APR: 6.24%
Vehicle Year: 2019 - 2017; Loyalty APR: 6.39%
Vehicle Year: 2019 - 2017; Loyalty APR: 6.64%
Loyalty APR; Vehicle Year: 2023 - 2022*
649-550
Loyalty APR; Vehicle Year: 2023 - 2022*
Vehicle Year: 2025 - 2024; Loyalty Rate; *
649-600
649-600
699-650
699-650
Credit Score > 700
Vehicle Year: 2023 - 2022*
Loyalty APR; Vehicle Year: 2023 - 2022*
Vehicle Year: 2025 - 2024; Loyalty Rate; **
Vehicle Year: 2023 - 2022*
Vehicle Year: 2025 - 2024; As Low As; *
Vehicle Year: 2025 - 2024; Loyalty Rate; **
Model Year: 2011 to 2015
Vehicle Year: 2023 - 2022*
Loyalty APR; Vehicle Year: 2023 - 2022*
Vehicle Year: 2025 - 2024; As Low As; **
Vehicle Year: 2023 - 2022; Loyalty APR;*
649-550
Model Year: 2016 to 2019
Model Year: 2020 to 2024
Model Year: 2025 to 2027
Vehicle Year: 2025 - 2024; As Low As; **
Vehicle Year: 2025 - 2024; Loyalty Rate; ***
Vehicle Year: 2023 - 2022; Loyalty APR;*
599-550
649-600
649-600
699-650
Model Year: 2025 to 2027
Vehicle Year: 2017 and older; Loyalty APR: 8.09%
Vehicle Year: 2016 and older; Loyalty APR: 8.14%
Vehicle Year: 2023 - 2022*
Loyalty APR; Vehicle Year: 2023 - 2022*
Vehicle Year: 2019 - 2017; As Low As; ***
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2023 - 2022; Loyalty APR;*
Vehicle Year: 2025 - 2024; As Low As; ***
Vehicle Year: 2025 - 2024; Loyalty Rate; ***
Vehicle Year: 2021 - 2020; Loyalty APR
Vehicle Year: 2019 - 2017; As Low As; ***
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2023 - 2022*
Vehicle Year: 2021 - 2020; Loyalty APR
Vehicle Year: 2019 - 2017; As Low As; ***
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2023 - 2022; Loyalty APR;*
Model Year: 2025 to 2027
Vehicle Year: 2025 - 2024; As Low As; ***
Vehicle Year: 2021 - 2020
Vehicle Year: 2021 - 2020; Loyalty APR
Vehicle Year: 2019 - 2017; As Low As; ***
599-550
As Low As; Loyalty Rate; Vehicle Year: 2019 - 2017
Vehicle Year: 2021 - 2020
Vehicle Year: 2019 - 2017; As Low As; ***
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2023 - 2022; Loyalty APR;*
As Low As; Loyalty Rate; Vehicle Year: 2019 - 2017
Vehicle Year: 2021 - 2020
Model Year: 2011 to 2015
Model Year: 2016 to 2019
As Low As; Vehicle Year: 2019 - 2017
As Low As; Loyalty Rate; Vehicle Year: 2019 - 2017
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2016 and older; Loyalty APR: 9.79%
Model Year: 2020 to 2024
Model Year: 2025 to 2027
As Low As; Vehicle Year: 2019 - 2017
599-550
Model Year: 2025 to 2027
As Low As; Vehicle Year: 2019 - 2017
Model Year: 2025 to 2027
599-550
599-550
Loan must be secured by a 2022 or newer Auto and under 50,000 miles. To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money.
As Low As;*
Loan must be secured by a 2022 or newer Auto and under 100,000 miles. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. Inquire at Centris at (800) 334-2328 for Auto with over 100,000 miles.
As Low As;*
As Low As;*
Published APR range: 4.50- 10.00%.
Term: 60 months/5 years or less; New and Used 2023-New; New Autos - 110% of dealer sticker
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
As Low As;
Published APR range: 4.75 - 10.50%.
Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance Required.; Add on for Tax & Licensing.; Up to 90 Days to First Payment.
Term: Up to 84 Months/ over $30,001; Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance Required.; Add on for Tax & Licensing.; Up to 90 Days to First Payment.
Maximum Amount: 125% of value
As Low As;*
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
Published APR range: 5.00 - 11.25%.
Model Year: 2026-2022; Credit Grade: A+ 750 & Up
As low as; For vehicles with 100,000+ in mileage add 1%.
Term: 72 months/6 years or less; New and Used 2023-New; Vehicles titles less than 90 days
Maximum Amount: 125% of value
Maximum Amount: 125% of value
Year: NEW; Maximum Amount: 125% of Sticker Price; Security: Title/Ins
Lincoln New Auto Auto Loan Rates
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
As Low As*; Vehicle Year: New 2026 & New/Used 2025
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
As Low As*; Vehicle Year: 2025 - 2024
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
Term: 24-72 Months (84 month term available for loan amounts greater than $20,000.); As Low As
As Low As*; Vehicle Year: 2025 - 2024
As Low As*; Vehicle Year: 2025 - 2024
As low as; All rates advertised require an autopay from a LincOne Checking Account. For vehicles with 100,000+ in mileage add 1%; Rate offer available through October 31st, 2026.
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Vehicle Year: 2025 - 2024; Loyalty Rate; *
Vehicle Year: 2025 - 2024; Loyalty Rate; **
Vehicle Year: 2025 - 2024; As Low As; *
Vehicle Year: 2025 - 2024; Loyalty Rate; **
Vehicle Year: 2025 - 2024; As Low As; **
Vehicle Year: 2025 - 2024; As Low As; **
Vehicle Year: 2025 - 2024; Loyalty Rate; ***
Vehicle Year: 2025 - 2024; As Low As; ***
Vehicle Year: 2025 - 2024; Loyalty Rate; ***
Vehicle Year: 2025 - 2024; As Low As; ***
As Low As;*
As Low As;*
As Low As;*
Published APR range: 4.50- 10.00%.
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
As Low As;
Published APR range: 4.75 - 10.50%.
Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance Required.; Add on for Tax & Licensing.; Up to 90 Days to First Payment.
Term: Up to 84 Months/ over $30,001; Limited-Time Special 09/15/26 - 10/31/26; Terms & Conditions Apply; 100% of NADA Book Retail Value.; Full Coverage Insurance Required.; Add on for Tax & Licensing.; Up to 90 Days to First Payment.
As Low As;*
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
Published APR range: 5.00 - 11.25%.
Model Year: 2026-2022; Credit Grade: A+ 750 & Up
As low as; For vehicles with 100,000+ in mileage add 1%.
Lincoln Used Auto Auto Loan Rates
As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
Vehicle Year: 2024 - 2023; Loyalty APR as low as*
Credit Score > 700
Credit Score > 700
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
As Low As*; Vehicle Year: New 2026 & New/Used 2025
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
Vehicle Year: 2024 - 2023; APR as low as*
Vehicle Year: 2022 - 2021; Loyalty Rate
As Low As*; Vehicle Year: 2025 - 2024
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; APR as low as*
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
As Low As
As Low As*; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; APR as low as*
Vehicle Year: 2022 - 2021
699-650
699-650
Credit Score > 700
Credit Score > 700
As Low As*; Vehicle Year: 2025 - 2024
Vehicle Year: 2023 - 2022; APR as low as*
Vehicle Year: 2021 - 2020; Loyalty Rate
Vehicle Year: 2021 - 2020; Loyalty Rate
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Vehicle Year: 2021 - 2020
Loyalty Rate
Vehicle Year: 2021 - 2020
699-650
699-650
Credit Score > 700
Credit Score > 700
Vehicle Year: 2020 - 2018; Loyalty APR: 6.24%
Vehicle Year: 2019 - 2017; Loyalty APR: 6.39%
Vehicle Year: 2019 - 2017; Loyalty APR: 6.64%
649-600
649-600
699-650
699-650
Credit Score > 700
Vehicle Year: 2023 - 2022; Loyalty APR;*
Vehicle Year: 2023 - 2022; Loyalty APR;*
599-550
649-600
649-600
699-650
Vehicle Year: 2017 and older; Loyalty APR: 8.09%
Vehicle Year: 2016 and older; Loyalty APR: 8.14%
Vehicle Year: 2019 - 2017; As Low As; ***
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2023 - 2022; Loyalty APR;*
Vehicle Year: 2021 - 2020; Loyalty APR
Vehicle Year: 2019 - 2017; As Low As; ***
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2021 - 2020; Loyalty APR
Vehicle Year: 2019 - 2017; As Low As; ***
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2023 - 2022; Loyalty APR;*
Vehicle Year: 2021 - 2020
Vehicle Year: 2021 - 2020; Loyalty APR
Vehicle Year: 2019 - 2017; As Low As; ***
599-550
As Low As; Loyalty Rate; Vehicle Year: 2019 - 2017
Vehicle Year: 2021 - 2020
Vehicle Year: 2019 - 2017; As Low As; ***
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2023 - 2022; Loyalty APR;*
As Low As; Loyalty Rate; Vehicle Year: 2019 - 2017
Vehicle Year: 2021 - 2020
As Low As; Vehicle Year: 2019 - 2017
As Low As; Loyalty Rate; Vehicle Year: 2019 - 2017
Vehicle Year: 2023 - 2022; As Low As;*
Vehicle Year: 2016 and older; Loyalty APR: 9.79%
As Low As; Vehicle Year: 2019 - 2017
599-550
As Low As; Vehicle Year: 2019 - 2017
599-550
599-550
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
Lincoln, NE Auto Loan Rate Trends
Compare local Lincoln, 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.
Nebraska new auto rates rose 1.924 points over the past 7 days to 6.888% APR.
Nebraska used auto rates rose 0.689 points over the past 7 days to 6.896% APR.
Lincoln, NE 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 Nebraska figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Nebraska 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 @ 6.89% APR NE average | Used Auto @ 6.90% APR NE average | Monthly Difference |
|---|---|---|---|
| $15,000 | $296.23/mo | $296.28/mo | $0.05/mo |
| $25,000 | $493.71/mo | $493.80/mo | $0.09/mo |
| $35,000 | $691.20/mo | $691.32/mo | $0.12/mo |
| $45,000 | $888.68/mo | $888.84/mo | $0.16/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Lincoln, Nebraska
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Lincoln, Nebraska locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Nebraska. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Lincoln, Nebraska high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Lincoln, Nebraska CD rates lock in a guaranteed return until you’re ready to buy
Lincoln, Nebraska Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $592 monthly car payment works out to roughly 18.7% of the median individual income in Lincoln, Nebraska. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Lincoln, Nebraska, 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 1–3 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 (0–2.9% 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 Lincoln, Nebraska. We’ve prefilled the APR with today’s NE new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lincoln, 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 Lincoln, 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 Lincoln, 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 Lincoln, Nebraska
How does my credit score affect my car loan rate in Nebraska?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Lincoln, Nebraska?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Lincoln, Nebraska?
- LincOne Federal Credit Union: 4.00% (Flex Auto Loan)
- Sun Pacific Federal Credit Union: 4.05% (Car Loans)
- Lincoln Public School Employees Federal Credit Union: 4.25% (Vehicle Loan)
- MembersOwn Credit Union: 4.25% (New & 1-5 Year Old Used Autos)
- Cobalt Federal Credit Union: 4.49% (New 2026 & New/Used 2025 Auto Loan)
Lincoln, Nebraska Rates & Resources
