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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-07
Credit Union Loan Rates - Trends & Analysis:
Citizens Equity First has auto loan rates ranging from 4.99% to 5.34% APR today. These rates are up from both 7 and 30 days ago, and higher than 60 and 90 days ago as well. Financial Plus's auto loans with rates ranging from 3.99% to 6.99% APR, which are up from 7 and 30 days ago. Motorcycle loans have a steady rate of 5.99% APR with no change over the past 90 days. Recreational loan rates range from 4.99% to 5.99% APR and have stayed the same compared to 7, 30, and 60 days ago.
Merck Sharp & Dohme's auto loans with APRs ranging from 4.99% to 6.99% , showing no change from 60 and 90 days ago. Motorcycle loans have a fixed rate of 6.99% , which has also stayed the same over the past two months. Recreational loans range from 7.24% to 7.49% , with rates steady compared to 60 and 90 days earlier. Gulf Winds vehicle loans have an APR range from 4.99% to 17.99% for auto loans, which is up from 7 and 30 days ago. Motorcycle loans start at 6.49% APR and have seen no change in the past 7, 60, or 90 days. Recreational loans also begin at 6.49% APR with rates remaining steady over the same periods.
Mainstreet's auto loan rates range from 4.99% to 7.74% APR, with no change from 7 or 30 days ago. Motorcycle loan rates are higher, between 6.74% and 9.74% , and have gone up since both 7 and 30 days ago. Other vehicle loans have rates from 7.99% to 9.99% APR. Farmers Insurance's auto loans with APRs ranging from 4.99% to 7.49% , showing no change from 7 or 30 days ago. Recreational vehicle loans have rates between 6.99% and 9.49% , which are also steady compared to 7 and 30 days prior. Both loan types have consistent rates over the recent periods.
Achieva Credit Union has an auto loan rate of 5% APR today, which is up from 4.75% seven and thirty days ago. Motorcycle loans are at 7% APR, also up from 6.75% over the same periods. The recreational loan rate is 7% APR today, up from a range of 5.75% to 8.75% last week and last month. Monterra's auto loan rates range from 4.74% to 6.64% APR today, which is up from 7 and 30 days ago. Motorcycle loan rates are between 5.49% and 5.94% APR and have also increased since last week and last month. Recreational loan rates remain steady at 6.79% to 7.74% APR.
Hawaiian Financial's auto loans with rates ranging from 4% to 9.75% APR today. These rates are unchanged from 7 and 30 days ago but down from 30 and 60 days ago. Kemba Financial's auto loan rates range from 5.04% to 6.54% APR today, with no change from 7 or 30 days ago. Rates are down compared to 60 and 90 days ago, when the range was higher.