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A longer term can cancel out a lower rate. Pick any three lenders from this list in the app to see them on the same loan amount and the same term, with what each one costs a month.
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Today’s Vehicle Loan Rates & Analysis - Updated on 2026-OCT-06
Credit Union Loan Rates - Trends & Analysis:
State Department's auto loan rates range from 3.99% to 4.49% APR today. The rates are down compared to 7 and 30 days ago, while showing no change from 60 and 90 days ago. United Heritage's auto loans with APRs ranging from 3.99% to 6.09% , which have stayed the same over the past 7 and 30 days. Recreational loan rates range from 6.19% to 10.79% , going up since 7 days ago but down compared to 30 days ago. Coastal's auto loan rates range from 3.99% to 10.59% APR today. These rates are down compared to 90 days ago. No other recent rate changes are available.
Communication's auto loan rates range from 3.99% to 5.49% APR today. These rates are unchanged from 7 and 30 days ago but higher than the 30–and 60–day periods. The 90–day rate was lower at 3.99% . Peach State's auto loans with APRs ranging from 3.99% to 5.25% and recreational loans from 4.99% to 6.25% . Unchanged over the past 7 or 30 days. Alabama One has an auto loan with a 3.99% APR today. This rate has not changed compared to 7, 30, or 60 days ago. No term is listed for this loan.
Delta Community's auto loans with APRs ranging from 3.99% to 16.09% , which are unchanged from 7 and 30 days ago but down from 60 and 90 days ago. Other loans have rates between 3.99% and 17.59% , staying the same as 7 days ago but down compared to 30, 60, and 90 days ago. Pelican State's auto loans with a fixed APR of 3.99% , which has not changed in the past 90 days. Motorcycle loans have a steady rate of 9.2% , and recreational vehicle loans range from 5.98% to 7.8% , all remaining unchanged over the same period.
Palmetto Citizens's auto loans with APRs ranging from 3.99% to 9.29% , showing no change from 7 or 90 days ago. Recreational vehicle loans have rates between 6.95% and 11% , also with no change from 90 days ago. Rev's vehicle loans with rates ranging from 4% to 6.5% APR for auto loans and 7% to 7.75% APR for recreational loans. The auto loan rates have stayed the same over the past 7 and 30 days, while recreational loan rates have gone up during that time. Motorcycle loan rates remain steady between 6.75% and 7.25% APR.