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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:
Centra's auto loans range from 4.99% to 16.79% , with no change from 7, 30, or 60 days ago but down from 90 days ago. Other loans show rates between 6.75% and 19.25% , which have stayed the same over the past 7, 30, and 60 days. Charter Oak's auto loans with an APR range of 4.99% to 7.74% . These rates have shown no change compared to 7, 30, 60, and 90 days ago. The credit union maintains consistent pricing for its vehicle financing. Goldenwest has auto loan rates ranging from 4.99% to 6.24% APR, which are unchanged from 7 and 30 days ago but higher than 30 and 60 days ago. Motorcycle loans range from 7.99% to 8.99% APR with no change from 90 days ago. Recreational loan rates are between 7.24% and 9.24% APR, staying the same as 7 days ago but up from 30 and 60 days ago.
Sharon & Crescent United's auto loans with rates ranging from 4.99% to 6.99% APR, which have not changed in the past 7 or 30 days. Motorcycle loan rates range from 6.99% to 8.49% APR. Numerica's auto loan rates range from 4.99% to 15.24% APR, which is up from 7 and 30 days ago. Recreational loan rates are between 6.49% and 17.9% APR and have also increased since last week and last month. 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.
First Technology's auto loans with APRs ranging from 4.99% to 6.99% , showing no change from 7 or 30 days ago. Motorcycle loans have rates between 6.74% and 7.24% , and recreational loans range from 7.29% to 8.54% , both also unchanged over the past 90 days. Nesc Credit Union has auto loan rates ranging from 4.99% to 6.99% APR and recreational loan rates between 6.99% and 7.99% APR. Unchanged compared to 7 and 30 days ago. Both loan types show stable rates over the past few months.
Newport News Shipbuilding Employees has auto loans with rates from 4.99% to 17.99% APR, which have not changed in the past 7 or 30 days. Motorcycle loans range from 5.24% to 17.99% APR, and recreational loans are between 6.24% and 18% APR; both have stayed the same over the last week. Srp's auto loan rates range from 4.99% to 9.09% APR, which is up from 7 and 30 days ago. Motorcycle loans have rates between 7.54% and 11.04% APR with no change over the past 7 and 30 days. Recreational loan rates remain steady at 7.44% to 11.84% APR compared to earlier periods.