Auto Loan Rates in Cambria, South Dakota (SD) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Cambria, South Dakota. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Cambria, South Dakota include Service First Federal Credit UnionService First Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Vehicles (2023 & Newer) 6-48 months at 4.70%, Interfaith Federal Credit UnionInterfaith Federal Credit UnionA+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.
Cambria borrowers have access to 2 lenders serving the South Dakota area, with auto loan rates as low as 4.70% APR from Service First Federal Credit Union. 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 Cambria, South Dakota. Auto Loan Rates Last Updated and Verified: April 18, 2026
Compare Auto Loan Rates Today in Cambria, South Dakota & Surrounding Area
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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
Cambria, SD Auto Loan Rate Trends
Compare local Cambria, SD 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 Cambria, 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 Cambria, 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 Cambria, 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 Cambria, South Dakota?
Based on our current data, some of the lowest auto loan rates available in Cambria, 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 Cambria, South Dakota. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 18, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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