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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:
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. 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. 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.
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. 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.
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. 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% . 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.
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. 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.