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Auto Loan Rates in Ray, North Dakota (ND) 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 Ray, North Dakota. 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 Ray, North Dakota include Western Cooperative Credit UnionWestern Cooperative Credit Union24 Railroad Ave, Ray, ND, 58849A5.0 ★Texas Ratio: 7.93% offering Auto Loan at 4.45%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Ray has 1 local institution in our database, with auto loan rates as low as 4.45% APR from Western Cooperative Credit Union at 24 Railroad Ave, Ray, ND, 58849. 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 Ray, North Dakota. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Ray, North Dakota & Surrounding Area

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%
24 Railroad Ave, Ray, ND, 58849
Auto Loan
4.45%
3-Year
View
▼
APR4.45%
Term3-Year
Last UpdatedApr 19, 2026
Details

As Low As

Western Cooperative Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
24 Railroad Ave, Ray, ND, 58849
Auto Loan
4.60%
4-Year
View
▼
APR4.60%
Term4-Year
Last UpdatedApr 19, 2026
Details

As Low As

Western Cooperative Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
24 Railroad Ave, Ray, ND, 58849
Auto Loan
4.75%
5-Year
View
▼
APR4.75%
Term5-Year
Last UpdatedApr 19, 2026
Details

As Low As

Western Cooperative Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
24 Railroad Ave, Ray, ND, 58849
Auto Loan
4.95%
6-Year
View
▼
APR4.95%
Term6-Year
Last UpdatedApr 19, 2026
Details

As Low As

No new auto loans found in Ray, ND at this time.
No used auto loans found in Ray, ND at this time.

Ray, ND Auto Loan Rate Trends

Compare local Ray, ND 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 North Dakota Auto Trends →
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 Ray, 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 Ray, 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 Ray, 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 Ray, North Dakota?

Based on our current data, some of the lowest auto loan rates available in Ray, 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 Ray, North Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

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