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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:
Mccoy's auto loan rates range from 5.4% to 5.65% APR, with no change from 7 days ago but up from 30 days ago. Motorcycle loans are between 6.25% and 6.5% APR, showing no change from a week ago. Recreational loan rates range from 7.25% to 8.25% APR and have also stayed the same over the past 7 days. Efcu Financial's auto loan rates range from 5.69% to 17.45% APR today, with no change from 7 or 30 days ago but down from 90 days ago. Recreational loan rates are between 8.25% and 14% APR, showing no change over the past 7, 30, or 90 days.
Idaho Central's auto loan rates range from 5.69% to 6.24% APR today, which is up from 7 and 30 days ago. Motorcycle loans are at 7.79% APR and have also gone up since last week and last month. Recreational loan rates range from 7.44% to 9.04% APR and are up compared to 7 and 30 days ago. First Financial's auto loan rates range from 3.99% to 6.59% APR today, with no change from 7 days ago but down from 60 and 90 days ago. Motorcycle loans have rates between 7.99% and 9.99% APR, showing no change from 7 or 30 days ago. Recreational loan rates remain steady at 8.49% to 9.74% APR with no changes over the past 60 days.
Wescom Central's auto loans with an APR range of 5.74% to 6.99% . Unchanged compared to 7, 30, 60, or 90 days ago. The credit union's auto loan rates have remained steady over the past three months. University Of Va Community Cu has an auto loan with a 5.74% APR today. This rate is up from 4.99% ninety days ago. Bellco's auto loan rate is 5.74% APR today, which is up from 7 and 30 days ago. Motorcycle loans remain steady at 10.14% APR, with no change in the past 7 or 30 days. Recreational loan rates also hold steady at 9.49% APR over the same periods.
Citadel's auto loans with APRs ranging from 5.49% to 10.49% and motorcycle loans from 7.49% to 12.49% . Unchanged over the past 7 or 30 days. Both loan types have steady rates through 90 days. Three Rivers has an auto loan rate of 5.74% APR with no change over the past 90 days. Recreational vehicle loans range from 7.14% to 7.41% APR and have also stayed steady during that time. Truity's auto loan rates range from 5.74% to 7.49% APR today, with no change from 7 days ago but up from 30 days ago. Recreational loan rates stay steady at 8.99% to 10.19% APR across all recent periods.