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The lowest rate is not always the cheapest loan
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:
United vehicle loan rates for autos range from 2.99% to 6.25% APR, with no change from 7 or 30 days ago. Motorcycle loan rates are higher, between 6% and 7.25% , and have gone up since both 7 and 30 days ago. Recreational loan rates range from 6.5% to 7% and have also increased compared to the past month. Tyndall's auto loan rates range from 3.24% to 5.69% APR today. Unchanged compared to 7 and 30 days ago. Shell's auto loan rates range from 3.49% to 18% APR today. Unchanged compared to 7 and 30 days ago. No other vehicle loan types or terms are listed.
Fivepoint's auto loans with APRs ranging from 3.5% to 15.75% , which is unchanged from 30 days ago but down from 60 and 90 days ago. Recreational vehicle loans have rates between 3.5% and 16.75% , showing no change over the past 30, 60, and 90 days. University Of Illinois Community's auto loans with APRs ranging from 3.5% to 5.75% . There is no change in rates compared to 7 and 30 days ago. Neches vehicle loans have rates ranging from 3.75% to 5.5% APR for autos and 3.75% to 4.75% APR for motorcycles. Auto rates are up from 7 and 30 days ago, while motorcycle rates show no change. Recreational loan rates range from 3.75% to 6.75% APR and are up compared to 60 days ago.
Max has an auto loan rate of 3.75% APR and a recreational loan rate of 7% APR. Both rates have stayed the same compared to 7 and 30 days ago. Unchanged over the past 90 days. American Airlines has auto loan rates ranging from 3.34% to 4.59% APR and recreational vehicle loans between 5.59% and 6.34% APR. Unchanged over the past 7 or 30 days. Los Angeles's auto loans with APRs ranging from 3.9% to 16.75% , showing no change over the past 7 and 30 days. Motorcycle loans have a fixed APR of 4.9% , which is also unchanged from a week and a month ago. Recreational loans range from 4.9% to 6.4% , with rates steady during the same periods.
Orion's auto loan has a 3.95% APR today, which is unchanged from 7 and 30 days ago but up from 60 and 90 days ago. This rate applies to all terms for their auto loans.