South Dakota Auto Loan Rate Trends
Track current and weekly average auto loan rates in South Dakota, view interactive rate trend charts, and compare local SD aprs against the national average.
Current South Dakota Auto Loan Rate Trends
Auto Loan rates in South Dakota rose 0.280 this week, pushing the New Auto Loan average to 5.479%, up from 5.199% last week.
At 5.479%, South Dakota’s average sits 0.489 below the current national average of 5.968%. SD borrowers may have a competitive advantage relative to the national market.
The South Dakota auto loan rate averages on this page are calculated from 128 verified auto loan rate quotes collected across 15 banks and credit unions actively operating in South Dakota. Our proprietary systems collect and verify rates daily, tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
South Dakota Auto Loan Rate Trends Chart
Daily average rates since April 13, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
South Dakota auto loan rate averages compiled from 128 current rate quotes across 15 banks and credit unions operating in SD, updated daily.
As of Oct 13, 2026 • Data provided by MonitorBankRates.com
Historical Auto Loan Rate Trends in South Dakota
Quarterly average rates at credit unions headquartered in South Dakota, 1994 to present. Different methodology from the daily chart above, this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in South Dakota (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994 to present.
Quarterly weighted averages calculated from credit union rate filings, weighted by loan portfolio balance.
