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Auto Loan Rates in Lincoln, Nebraska (NE) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 Lincoln, Nebraska. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in Lincoln, Nebraska include Sun Pacific Federal Credit UnionSun Pacific Federal Credit Union1345 Old Cheney Rd, Lincoln, NE, 68512 1266A+5.0 ★Texas Ratio: 3.66% offering Auto Loan at 4.55%, Cobalt Federal Credit UnionCobalt Federal Credit Union2801 N 86th St, Lincoln, NE, 68507 3447A5.0 ★Texas Ratio: 7.59% offering New 2026 & New or Used 2026 Auto Loan Loyalty at 5.59%, Omaha Federal Credit UnionOmaha Federal Credit UnionA+5.0 ★Texas Ratio: 2.22% offering New Auto - 2024 - 2026 Model Yrs at 3.99%, Metro Federal Credit UnionMetro Federal Credit UnionA+5.0 ★Texas Ratio: 1.41% offering 36 Month or Less Auto Loan at 3.99%, Holyoke Community Federal Credit UnionHolyoke Community Federal Credit UnionA+5.0 ★Texas Ratio: 2.92% offering New Auto at 4.26%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Lincoln has 2 local institutions in our database, with auto loan rates as low as 4.55% APR from Sun Pacific Federal Credit Union at 1345 Old Cheney Rd, Lincoln, NE, 68512 1266. 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 Lincoln, Nebraska. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Lincoln, Nebraska & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
4.55%
2 Yrs
View
▼
APR4.55%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2011 to 2015

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
4.65%
3 Yrs
View
▼
APR4.65%
Term3 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2016 to 2019

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
4.70%
2 Months
View
▼
APR4.70%
Term2 Months
Last UpdatedApr 18, 2026
Details

2011 to 2015 Model Year

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
4.75%
4 Yrs
View
▼
APR4.75%
Term4 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2020 to 2024

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
4.80%
3 Months
View
▼
APR4.80%
Term3 Months
Last UpdatedApr 18, 2026
Details

2016 to 2019 Model Year

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
4.85%
5 Yrs
View
▼
APR4.85%
Term5 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
4.90%
4 Months
View
▼
APR4.90%
Term4 Months
Last UpdatedApr 18, 2026
Details

2020 to 2024 Model Year

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
4.95%
6 Yrs
View
▼
APR4.95%
Term6 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.00%
5 Months
View
▼
APR5.00%
Term5 Months
Last UpdatedApr 18, 2026
Details

2025 to 2027 Model Year

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.05%
2 Months
View
▼
APR5.05%
Term2 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2011 to 2015

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.10%
6 Months
View
▼
APR5.10%
Term6 Months
Last UpdatedApr 18, 2026
Details

2025 to 2027 Model Year

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.15%
3 Months
View
▼
APR5.15%
Term3 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2016 to 2019

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.25%
4 Months
View
▼
APR5.25%
Term4 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2020 to 2024

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.35%
5 Months
View
▼
APR5.35%
Term5 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.45%
6 Months
View
▼
APR5.45%
Term6 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.65%
7 Yrs
View
▼
APR5.65%
Term7 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
2025 - 2024 Auto Loan Loyalty
5.79%
66-72
View
▼
APR5.79%
Term66-72
Last UpdatedApr 18, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
5.80%
7 Months
View
▼
APR5.80%
Term7 Months
Last UpdatedApr 18, 2026
Details

2025 to 2027 Model Year

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New or Used 2026 Auto Loan
6.09%
65 Months
View
▼
APR6.09%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2020 - 2018 Loyalty
6.14%
60 Months
View
▼
APR6.14%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
6.15%
7 Months
View
▼
APR6.15%
Term7 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
2025 - 2024 Auto Loan
6.29%
66-72
View
▼
APR6.29%
Term66-72
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2019 - 2017 Loyalty
6.29%
61-66
View
▼
APR6.29%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
2025 - 2024 Auto Loan Loyalty
6.34%
73-84
View
▼
APR6.34%
Term73-84
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2022 - 2021 Auto Loan
6.54%
60 Months
View
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.04%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2019 - 2017 Loyalty
6.54%
67-72
View
▼
APR6.54%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2022 - 2021 Auto Loan
6.64%
61-66
View
▼
APR6.64%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.14%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2020 - 2018
6.64%
60 Months
View
▼
APR6.64%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2022 - 2021 Auto Loan
6.74%
67-72
View
▼
APR6.74%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.24%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2019 - 2017
6.79%
61-66
View
▼
APR6.79%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
2025 - 2024 Auto Loan
6.84%
73-84
View
▼
APR6.84%
Term73-84
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2019 - 2017
7.04%
67-72
View
▼
APR7.04%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older Loyalty
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older Loyalty
8.04%
37-48
View
▼
APR8.04%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
8.15%
2 Months
View
▼
APR8.15%
Term2 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2011 to 2015

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
8.25%
3 Months
View
▼
APR8.25%
Term3 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2016 to 2019

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
8.35%
4 Months
View
▼
APR8.35%
Term4 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2020 to 2024

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
8.45%
5 Months
View
▼
APR8.45%
Term5 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older
8.49%
36 Months
View
▼
APR8.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older
8.54%
37-48
View
▼
APR8.54%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
8.55%
6 Months
View
▼
APR8.55%
Term6 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
9.25%
7 Months
View
▼
APR9.25%
Term7 Months
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older Loyalty
9.69%
49-60
View
▼
APR9.69%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
10.10%
2 Yrs
View
▼
APR10.10%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2011 to 2015

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older
10.19%
49-60
View
▼
APR10.19%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
10.20%
3 Yrs
View
▼
APR10.20%
Term3 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2016 to 2019

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
10.30%
4 Yrs
View
▼
APR10.30%
Term4 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2020 to 2024

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
10.40%
5 Yrs
View
▼
APR10.40%
Term5 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
10.50%
6 Yrs
View
▼
APR10.50%
Term6 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1345 Old Cheney Rd, Lincoln, NE, 68512 1266
Auto Loan
11.20%
7 Yrs
View
▼
APR11.20%
Term7 Yrs
Last UpdatedApr 18, 2026
Details

Model Year: 2025 to 2027

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
36 Month or Less Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
48 Month Auto Loan
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
60 Month Auto Loan
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
72 Month Auto Loan
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
4.26%
84 Months
View
▼
APR4.26%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 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)
4.50%
2 Yrs
View
▼
APR4.50%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 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)
4.75%
2 Yrs
View
▼
APR4.75%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
4.80%
60 Months
View
▼
APR4.80%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 17, 2026
Details

Metro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
84 Month Auto Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old)
5.00%
2 Yrs
View
▼
APR5.00%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.09%
36 Months
View
▼
APR5.09%
Term36 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedApr 17, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.20%
36 Months
View
▼
APR5.20%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.24%
< 48 Months
View
▼
APR5.24%
Term< 48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
5.25%
49-60 Months
View
▼
APR5.25%
Term49-60 Months
Last UpdatedApr 18, 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
View
▼
APR5.29%
Term60 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedApr 17, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.45%
60 Months
View
▼
APR5.45%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 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
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.49%
24 Months
View
▼
APR5.49%
Term24 Months
Last UpdatedApr 17, 2026
Details

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old)
5.50%
10 Years
View
▼
APR5.50%
Term10 Years
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
5.55%
84 Months
View
▼
APR5.55%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR5.59%
Term36 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.69%
48 Months
View
▼
APR5.69%
Term48 Months
Last UpdatedApr 17, 2026
Details

Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Auto Loans NEW
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedApr 17, 2026
Details

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
5.75%
61-72 Months
View
▼
APR5.75%
Term61-72 Months
Last UpdatedApr 18, 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)
5.75%
10 Years
View
▼
APR5.75%
Term10 Years
Last UpdatedApr 18, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.79%
60 Months
View
▼
APR5.79%
Term60 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.89%
72 Months
View
▼
APR5.89%
Term72 Months
Last UpdatedApr 17, 2026
Details

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 18, 2026
Details

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
5.90%
36 Months
View
▼
APR5.90%
Term36 Months
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.95%
84 Months
View
▼
APR5.95%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 17, 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
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
6.40%
48 Months
View
▼
APR6.40%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
6.75%
73-84 Months
View
▼
APR6.75%
Term73-84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
6.90%
84 Months
View
▼
APR6.90%
Term84 Months
Last UpdatedApr 18, 2026
Details

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
6.90%
72 Months
View
▼
APR6.90%
Term72 Months
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
6.95%
60 Months
View
▼
APR6.95%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Vehicle
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

Base rate

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
7.00%
11 Years
View
▼
APR7.00%
Term11 Years
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
7.05%
72 Months
View
▼
APR7.05%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Classic Auto Loans- 25 years and older
7.50%
25 Years
View
▼
APR7.50%
Term25 Years
Last UpdatedApr 18, 2026
Details

As Low As

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
7.50%
11 Years
View
▼
APR7.50%
Term11 Years
Last UpdatedApr 18, 2026
Details

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
7.90%
84 Months
View
▼
APR7.90%
Term84 Months
Last UpdatedApr 18, 2026
Details

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Classic Auto Loans- 25 years and older
8.00%
25 Years
View
▼
APR8.00%
Term25 Years
Last UpdatedApr 18, 2026
Details

As Low As

Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Vehicle
8.00%
72 Months
View
▼
APR8.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

Base rate

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Classic Cars
8.00%
1 - 60
View
▼
APR8.00%
Term1 - 60
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older)
8.20%
48 Months
View
▼
APR8.20%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
Classic Auto Loans- 25 years and older
8.50%
25 Years
View
▼
APR8.50%
Term25 Years
Last UpdatedApr 18, 2026
Details

As Low As

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older)
8.70%
60 Months
View
▼
APR8.70%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Fully restored classic cars (25 years or older)
10.25%
4 Months
View
▼
APR10.25%
Term4 Months
Last UpdatedApr 19, 2026
Details

4 Years (48 Months)

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New or Used 2026 Auto Loan
6.09%
65 Months
View
▼
APR6.09%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Holyoke Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
New Auto
4.26%
84 Months
View
▼
APR4.26%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 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)
4.50%
2 Yrs
View
▼
APR4.50%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 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)
4.75%
2 Yrs
View
▼
APR4.75%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
4.80%
60 Months
View
▼
APR4.80%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 17, 2026
Details

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
New Vehicles (New and 1 & 2 Yrs Old)
5.00%
2 Yrs
View
▼
APR5.00%
Term2 Yrs
Last UpdatedApr 18, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.09%
36 Months
View
▼
APR5.09%
Term36 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.19%
48 Months
View
▼
APR5.19%
Term48 Months
Last UpdatedApr 17, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
5.20%
72 Months
View
▼
APR5.20%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
5.25%
49-60 Months
View
▼
APR5.25%
Term49-60 Months
Last UpdatedApr 18, 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
View
▼
APR5.29%
Term60 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Vehicle
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedApr 17, 2026
Details

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto - 2024 - 2026 Model Yrs
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 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
View
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
New Auto Loan
5.55%
84 Months
View
▼
APR5.55%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Woodmen Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Auto Loans NEW
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedApr 17, 2026
Details

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
5.75%
61-72 Months
View
▼
APR5.75%
Term61-72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedApr 18, 2026
Details

Omaha Douglas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.30%
New Auto Loan
6.75%
73-84 Months
View
▼
APR6.75%
Term73-84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
6.90%
84 Months
View
▼
APR6.90%
Term84 Months
Last UpdatedApr 18, 2026
Details

Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Vehicle
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

Base rate

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
New 2026 & New or Used 2026 Auto Loan
6.09%
65 Months
View
▼
APR6.09%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2020 - 2018 Loyalty
6.14%
60 Months
View
▼
APR6.14%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2019 - 2017 Loyalty
6.29%
61-66
View
▼
APR6.29%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2022 - 2021 Auto Loan
6.54%
60 Months
View
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.04%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2019 - 2017 Loyalty
6.54%
67-72
View
▼
APR6.54%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2022 - 2021 Auto Loan
6.64%
61-66
View
▼
APR6.64%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.14%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2020 - 2018
6.64%
60 Months
View
▼
APR6.64%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used 2022 - 2021 Auto Loan
6.74%
67-72
View
▼
APR6.74%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.24%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2019 - 2017
6.79%
61-66
View
▼
APR6.79%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2019 - 2017
7.04%
67-72
View
▼
APR7.04%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older Loyalty
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older Loyalty
8.04%
37-48
View
▼
APR8.04%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older
8.49%
36 Months
View
▼
APR8.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older
8.54%
37-48
View
▼
APR8.54%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older Loyalty
9.69%
49-60
View
▼
APR9.69%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2801 N 86th St, Lincoln, NE, 68507 3447
Used Auto Loan 2017 and older
10.19%
49-60
View
▼
APR10.19%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.20%
36 Months
View
▼
APR5.20%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.24%
< 48 Months
View
▼
APR5.24%
Term< 48 Months
Last UpdatedApr 17, 2026
Details

As Low As

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.45%
60 Months
View
▼
APR5.45%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 17, 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
View
▼
APR5.49%
Term24 Months
Last UpdatedApr 17, 2026
Details

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old)
5.50%
10 Years
View
▼
APR5.50%
Term10 Years
Last UpdatedApr 18, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.59%
36 Months
View
▼
APR5.59%
Term36 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.69%
48 Months
View
▼
APR5.69%
Term48 Months
Last UpdatedApr 17, 2026
Details

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (3 - 10 Years Old)
5.75%
10 Years
View
▼
APR5.75%
Term10 Years
Last UpdatedApr 18, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.79%
60 Months
View
▼
APR5.79%
Term60 Months
Last UpdatedApr 17, 2026
Details

Sugar Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Vehicle
5.89%
72 Months
View
▼
APR5.89%
Term72 Months
Last UpdatedApr 17, 2026
Details

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
5.90%
36 Months
View
▼
APR5.90%
Term36 Months
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2025-2023)
5.95%
84 Months
View
▼
APR5.95%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Omaha Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 17, 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
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
6.40%
48 Months
View
▼
APR6.40%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
6.90%
72 Months
View
▼
APR6.90%
Term72 Months
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
6.95%
60 Months
View
▼
APR6.95%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
7.00%
11 Years
View
▼
APR7.00%
Term11 Years
Last UpdatedApr 18, 2026
Details

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Used Auto Loan (2022-2019)
7.05%
72 Months
View
▼
APR7.05%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Hemingford Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Used Vehicles (11 Years & Older)
7.50%
11 Years
View
▼
APR7.50%
Term11 Years
Last UpdatedApr 18, 2026
Details

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
7.90%
84 Months
View
▼
APR7.90%
Term84 Months
Last UpdatedApr 18, 2026
Details

Midwest Liberty Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Vehicle
8.00%
72 Months
View
▼
APR8.00%
Term72 Months
Last UpdatedApr 18, 2026
Details

Base rate

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older)
8.20%
48 Months
View
▼
APR8.20%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

OneNebraska Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.77%
Older Used Auto Loan (2018 and older)
8.70%
60 Months
View
▼
APR8.70%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

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.

View Full Nebraska Auto Trends →
New Auto Loan — NE Avg
4.991%
▼ 0.518 vs 7 days ago

Nebraska new auto rates fell 0.518 points over the past 7 days to 4.991% APR.

Used Auto Loan — NE Avg
7.419%
▲ 0.230 vs 7 days ago

Nebraska used auto rates rose 0.230 points over the past 7 days to 7.419% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Lincoln, 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 Lincoln, 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 Lincoln, 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 Lincoln, Nebraska?

Based on our current data, some of the lowest auto loan rates available in Lincoln, Nebraska include:
  • Sun Pacific Federal Credit Union: 4.55% (Auto Loan)
  • Cobalt Federal Credit Union: 5.59% (New 2026 & New or Used 2026 Auto Loan Loyalty)
  • Omaha Federal Credit Union: 3.99% (New Auto - 2024 - 2026 Model Yrs)
  • Metro Federal Credit Union: 3.99% (36 Month or Less Auto Loan)
  • Holyoke Community Federal Credit Union: 4.26% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lincoln, Nebraska. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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