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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:
Texans has auto loan rates ranging from 5.04% to 7.44% APR, which are up from 7 and 30 days ago. Motorcycle loans have rates between 7.14% and 9.04% APR with no change in the past 30 days. Recreational loan rates remain steady at 7.99% to 10.49% APR over the same period. Advancial's auto loan rates range from 5.05% to 6.25% APR today, which is up from 7 and 30 days ago. Their other loan rates are between 6.61% and 8.03% APR, also up compared to the past week and month.
Nuvision's auto loans with APRs ranging from 4.89% to 10.34% and motorcycle loans from 6.49% to 15.69% . These rates have shown no change compared to 7 and 30 days ago. Recreational vehicle loans are also available with APRs between 5.99% and 18% , which remain steady over the same periods. Community 1St's auto loan rates range from 5.09% to 6.69% APR today, which is up from 7 and 30 days ago. Recreational loan rates are between 7.19% and 7.69% APR and have stayed the same over the past 7 and 30 days.
Andrews Federal Credit Union's auto loan rates range from 4.49% to 7.1% APR today, with no change from 7 days ago but up from 30 days ago. Motorcycle loan rates are between 10.89% and 14.49% APR, also unchanged from 7 and 30 days ago and up from 30 days ago. St. Mary'S Bank's auto loans with APRs ranging from 5.14% to 6.14% , which are unchanged from 7 and 30 days ago but down from 60 days ago. Recreational loan rates stay steady between 7.9% and 10.6% with no change over the past 90 days.
Onpoint Community's auto loan rates range from 4.99% to 12.99% APR today. These rates are unchanged from 7 and 30 days ago and up slightly from 30 and 60 days ago. Compared to 90 days ago, the upper end of the range is higher. Sound's auto loans with APRs ranging from 4.89% to 18% , which are unchanged from 7 and 30 days ago but up from 60 and 90 days ago. Motorcycle loans have rates between 5.89% and 17.65% , showing no change over the past 90 days. Potlatch No. 1 Financial has auto loan rates ranging from 5.15% to 5.45% APR, which are up from both 7 and 30 days ago. Recreational loan rates stay steady between 6.99% and 7.24% APR with no change over the past 90 days.
American Eagle Financial has vehicle loan rates ranging from 5.19% to 8.39% APR for auto loans and 8.25% to 9.5% APR for motorcycle loans. There is no change in rates compared to 7 or 30 days ago. Recreational loan rates start at 9.85% APR.