Auto Loan Rates in North Dakota (ND) for April 2026
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Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 North Dakota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in North Dakota include Western Cooperative Credit UnionWestern Cooperative Credit Union1300 Bison Dr, Williston, ND, 58801 3770A5.0 ★Texas Ratio: 7.93% offering Auto Loan at 4.45%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across North Dakota side-by-side. North Dakota auto loan rates currently start as low as 4.45% APR from Western Cooperative Credit Union at 1300 Bison Dr, Williston, ND, 58801 3770. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in North Dakota. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in North Dakota
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Western Cooperative Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
1300 Bison Dr, Williston, ND, 58801 3770
Auto Loan
4.45%
3-Year
▼
APR4.45%
Term3-Year
Last UpdatedApr 19, 2026
Details
As Low As
Western Cooperative Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
1300 Bison Dr, Williston, ND, 58801 3770
Auto Loan
4.60%
4-Year
▼
APR4.60%
Term4-Year
Last UpdatedApr 19, 2026
Details
As Low As
Western Cooperative Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
1300 Bison Dr, Williston, ND, 58801 3770
Auto Loan
4.75%
5-Year
▼
APR4.75%
Term5-Year
Last UpdatedApr 19, 2026
Details
As Low As
Western Cooperative Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
1300 Bison Dr, Williston, ND, 58801 3770
Auto Loan
4.95%
6-Year
▼
APR4.95%
Term6-Year
Last UpdatedApr 19, 2026
Details
As Low As
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MonitorBankRates
No new auto loans found in North Dakota at this time.
No used auto loans found in North Dakota at this time.
North Dakota Auto Loan Rate Trends
Compare local North Dakota 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 — ND Avg
5.258%
▼ 0.545 vs 7 days ago
North Dakota new auto rates fell 0.545 points over the past 7 days to 5.258% APR.
Used Auto Loan — ND Avg
5.842%
▼ 0.746 vs 7 days ago
North Dakota used auto rates fell 0.746 points over the past 7 days to 5.842% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in North Dakota
How does my credit score affect my car loan rate in North Dakota?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in North Dakota 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 North Dakota *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 North Dakota 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 North Dakota?
Based on our current data, some of the lowest auto loan rates available in North Dakota include:
- Western Cooperative Credit Union: 4.45% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Auto Loan Rates by City in North Dakota
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