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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.
Looking to buy a new or used car? LendMesh makes it easy to compare vehicle loan rates from trusted banks and credit unions. Find low rates, flexible terms, and quick approvals, so you can get behind the wheel with confidence and save more on your next ride.
Today’s Vehicle Loan Rates & Analysis - Updated on 2026-OCT-06
Credit Union Loan Rates - Trends & Analysis:
Magnifi Financial's auto loan rates range from 3.99% to 7.19% APR today, which is up from 7 days ago but the same as 30 days ago. Recreational loan rates stay steady at 4.94% to 8.35% APR with no changes in the past 7 or 30 days. Polish & Slavic has auto loan rates ranging from 2.99% to 6.75% APR with no change over the past 7 and 30 days. Motorcycle loans are between 7% and 7.5% APR, also showing no change in the same periods. Recreational loan rates range from 6.25% to 7.25% APR and have remained steady over the last 30 days.
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. First Service has an auto loan rate of 3.99% APR and a motorcycle loan rate of 8.55% APR. The motorcycle rate is unchanged from 90 days ago. Recreational loans are at 6.74% APR, also showing no change from 90 days ago.
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. Tower's auto loan rates range from 3.99% to 6.49% APR today, with no change from 7 or 30 days ago but up from 60 and 90 days ago. Motorcycle loans have rates between 6.49% and 6.99% APR, showing no change over the past 7 and 30 days. Gulf Coast Educators has auto loan rates ranging from 3.99% to 5.49% APR, with no change in the past 90 days. Motorcycle loans are at 7.49% APR, also showing no change over 60 days. Recreational loan rates range from 7.49% to 8.74% APR and have stayed the same in the last 60 days.
America'S Christian has vehicle loan rates ranging from 3.99% to 4.24% APR for auto loans and 4.99% to 5.24% APR for recreational loans. These rates have shown no change compared to 7 and 30 days ago. Motorcycle loans are at 5.24% APR with no recent changes. Certified's auto loans with APRs ranging from 3.99% to 5.49% and recreational loans from 7.75% to 12.75% . Unchanged over the past 7, 30, 60, or 90 days. Both loan types provide steady rates for borrowers.
Smart Financial's auto loans with APRs ranging from 3.99% to 16.99% , and motorcycle loans with rates between 6.74% and 16.99% . These rates have shown no change compared to 7 and 30 days ago. Both loan types maintain steady terms without recent adjustments.