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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:
State Farm's auto loans with a fixed APR of 4.49% , which has not changed in the past 7 or 30 days. Recreational loans have a rate range from 4.49% to 5.49% , and these rates have also stayed the same over the last month. Virginia shows auto loan rates ranging from 4.49% to 6.09% APR and motorcycle loans from 7.49% to 9.74% APR. These rates have no change compared to 7 and 30 days ago. Other vehicle loan types also have steady rates within their ranges. University's auto loan rates range from 4.49% to 17.9% APR today. These rates are down from 7 and 30 days ago, where the range was 4.99% to 17.9% .
Indiana Members has auto loans with APRs ranging from 3.74% to 16.24% , showing no change from 7 or 30 days ago. Motorcycle loans are at 8.24% APR with no change over the same periods. Recreational loans range from 6.99% to 8.74% , also with no change from 7 and 30 days ago. Safe's auto loans with APRs ranging from 4.49% to 9.49% . Motorcycle loan rates stay the same as 7 and 30 days ago, ranging from 6.5% to 8% . Recreational loan rates are unchanged from 7 and 30 days ago but are down from 60 and 90 days ago, with APRs between 6% and 8.5% .
True Sky's auto loan rate is 4.49% APR today, which is up from 3.99% seven and thirty days ago. Motorcycle and recreational loan rates remain steady at 9.24% and 9.49% APR, respectively, with no changes over the past 90 days. Numark has an auto loan rate of 4.49% APR and a motorcycle loan rate of 6.49% APR. Both rates have stayed the same compared to 7 and 30 days ago. The recreational loan rate is 7.99% APR and has also not changed over the past 90 days. Dow's auto loans with APRs ranging from 4.49% to 7.68% and recreational loans from 5.49% to 9.86% . Unchanged compared to 7 and 30 days ago.
State Employees' vehicle loans range from 3.75% to 10.25% . Unchanged compared to 7 and 30 days ago. The auto loan program is the only one listed with this steady rate range. Royal's auto loans with APRs ranging from 4.54% to 8.74% and recreational vehicle loans with rates between 4.94% and 7.44% . Unchanged compared to 7 or 30 days ago.