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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:
Magnifi Financial's auto loan rates range from 3.99% to 7.19% APR today, which is up from 7 days ago but the same as 30 days ago. Recreational loan rates stay steady at 4.94% to 8.35% APR with no changes in the past 7 or 30 days. Fedex Employees Credit Association has auto loan rates ranging from 3.99% to 7.24% APR, which are down from 7 days and 90 days ago. Motorcycle loan rates stay the same at 6.29% to 10.29% APR compared to 7 days ago. 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.
Centris vehicle loans include auto loans with rates from 3.99% to 6.99% APR, which are unchanged from 7 and 30 days ago but down from 30 days ago. Motorcycle loans range from 6.74% to 7.99% APR and have stayed the same over the past 7 and 30 days. Recreational loan rates are between 7.24% and 11.24% APR, with no change in the last 7 and 30 days. State Department's auto loan rates range from 3.99% to 4.49% APR today. The rates are down compared to 7 and 30 days ago, while showing no change from 60 and 90 days ago.
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. Broadview's auto loan rates range from 3.99% to 8.24% APR today, which is down from 7 and 30 days ago. Recreational loan rates remain steady at 6.24% APR with no change over the past 60 days.
Credit Union 1's auto loans with APRs ranging from 3.99% to 14.74% today. The rates are unchanged from 7 and 30 days ago but are down compared to 60 and 90 days ago. 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. 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.