Auto Loan Rates in South Dakota (SD) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 South Dakota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in South Dakota include Service First Federal Credit UnionService First Federal Credit Union3901 E 10th St, Sioux Falls, SD, 57103 2133A+5.0 ★Texas Ratio: 0.00% offering New Vehicles (2023 & Newer) 6-48 months at 4.70%, Interfaith Federal Credit UnionInterfaith Federal Credit Union815 Columbus St, Rapid City, SD, 57701A+5.0 ★Texas Ratio: 1.60% offering New Autos, SUVs, Trucks, Vans at 5.49%. Auto loan rates as of April 18, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across South Dakota side-by-side. South Dakota auto loan rates currently start as low as 4.70% APR from Service First Federal Credit Union at 3901 E 10th St, Sioux Falls, SD, 57103 2133. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in South Dakota. Auto Loan Rates Last Updated and Verified: April 18, 2026
Compare Auto Loan Rates Today in South Dakota
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.70%
48 Months
▼
APR4.70%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.92%
48 Months
▼
APR4.92%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
5.16%
60 Months
▼
APR5.16%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.30%
84 Months
▼
APR5.30%
Term84 Months
Last UpdatedApr 17, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 18, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.80%
84 Months
▼
APR5.80%
Term84 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.10%
48 Months
▼
APR6.10%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.32%
48 Months
▼
APR6.32%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
6.44%
60 Months
▼
APR6.44%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.56%
60 Months
▼
APR6.56%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
6.80%
72 Months
▼
APR6.80%
Term72 Months
Last UpdatedApr 17, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 18, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
7.64%
48 Months
▼
APR7.64%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
7.84%
60 Months
▼
APR7.84%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
8.20%
72 Months
▼
APR8.20%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
9.65%
48 Months
▼
APR9.65%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
10.40%
60 Months
▼
APR10.40%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
10.80%
72 Months
▼
APR10.80%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
11.05%
48 Months
▼
APR11.05%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
11.15%
84 Months
▼
APR11.15%
Term84 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
11.80%
60 Months
▼
APR11.80%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
12.20%
72 Months
▼
APR12.20%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
13.15%
48 Months
▼
APR13.15%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
14.40%
60 Months
▼
APR14.40%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
14.55%
48 Months
▼
APR14.55%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
14.90%
72 Months
▼
APR14.90%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
15.40%
84 Months
▼
APR15.40%
Term84 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
15.80%
60 Months
▼
APR15.80%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
16.30%
72 Months
▼
APR16.30%
Term72 Months
Last UpdatedApr 17, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.70%
48 Months
▼
APR4.70%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
4.92%
48 Months
▼
APR4.92%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
5.16%
60 Months
▼
APR5.16%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.30%
84 Months
▼
APR5.30%
Term84 Months
Last UpdatedApr 17, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 18, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
5.80%
84 Months
▼
APR5.80%
Term84 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
6.44%
60 Months
▼
APR6.44%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
6.80%
72 Months
▼
APR6.80%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
9.65%
48 Months
▼
APR9.65%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
10.40%
60 Months
▼
APR10.40%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
10.80%
72 Months
▼
APR10.80%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
11.15%
84 Months
▼
APR11.15%
Term84 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 6-48 months
13.15%
48 Months
▼
APR13.15%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 60 months
14.40%
60 Months
▼
APR14.40%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 72 months
14.90%
72 Months
▼
APR14.90%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
New Vehicles (2023 & Newer) 84 months (2025 & Newer)
15.40%
84 Months
▼
APR15.40%
Term84 Months
Last UpdatedApr 17, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.10%
48 Months
▼
APR6.10%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
6.32%
48 Months
▼
APR6.32%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
6.56%
60 Months
▼
APR6.56%
Term60 Months
Last UpdatedApr 17, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
815 Columbus St, Rapid City, SD, 57701
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 18, 2026
Details
As Low As
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
7.64%
48 Months
▼
APR7.64%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
7.84%
60 Months
▼
APR7.84%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
8.20%
72 Months
▼
APR8.20%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
11.05%
48 Months
▼
APR11.05%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
11.80%
60 Months
▼
APR11.80%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
12.20%
72 Months
▼
APR12.20%
Term72 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 6-48 months
14.55%
48 Months
▼
APR14.55%
Term48 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 60 months
15.80%
60 Months
▼
APR15.80%
Term60 Months
Last UpdatedApr 17, 2026
Details
Service First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3901 E 10th St, Sioux Falls, SD, 57103 2133
Used Vehicles (2022 & Older) 72 months (2021-2022 only)
16.30%
72 Months
▼
APR16.30%
Term72 Months
Last UpdatedApr 17, 2026
Details
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South Dakota Auto Loan Rate Trends
Compare local South 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 — SD Avg
7.787%
▲ 0.934 vs 7 days ago
South Dakota new auto rates rose 0.934 points over the past 7 days to 7.787% APR.
Used Auto Loan — SD Avg
8.983%
▲ 1.190 vs 7 days ago
South Dakota used auto rates rose 1.190 points over the past 7 days to 8.983% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in South Dakota
How does my credit score affect my car loan rate in South Dakota?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in South 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 South 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 South 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 South Dakota?
Based on our current data, some of the lowest auto loan rates available in South Dakota include:
- Service First Federal Credit Union: 4.70% (New Vehicles (2023 & Newer) 6-48 months)
- Interfaith Federal Credit Union: 5.49% (New Autos, SUVs, Trucks, Vans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 18, 2026
Auto Loan Rates by City in South Dakota
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