Current auto loan rates
All interest rates and annual percentage rates (APR) are current as of today’s date.
Auto loan rates
| Loan term1 | Vehicle model year 2021 – 2026 | Vehicle model year 2015 – 2020 | Vehicle model year 2006 - 2014 |
| Up to 36 monthly payments | APR as low as 4.99% | APR as low as 5.74% | APR as low as 6.99% |
| 48 monthly payments | APR as low as 5.24% | APR as low as 5.99% | Not Available |
| 60 monthly payments | APR as low as 5.24% | APR as low as 5.99% | Not Available |
| 72 monthly payments | APR as low as 5.49% | APR as low as 6.24% | Not Available |
| 84 monthly payments ($50,000 min) | APR as low as 6.24% | Not Available | Not Available |
This page was last updated on February 1, 2025
APR is Annual Percentage Rate.
Rates are subject to change without notice. Certain restrictions may apply.
All loans and lines of credit are subject to credit application, qualification and approval.
Must qualify for membership.
1 Your rate will be determined based on credit score, term and collateral.
Payment examples:
2021 - 2026 auto loans
A $20,000 auto loan with a simple interest rate of 4.99% and a corresponding APR of 4.99% for 36 months equates to a monthly principal and interest payment of $599.33.
A $20,000 auto loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 48 months equates to a monthly principal and interest payment of $462.76.
A $20,000 auto loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 60 months equates to a monthly principal and interest payment of $379.63.
A $20,000 auto loan with a simple interest rate of 5.49% and a corresponding APR of 5.49% for 72 months equates to a monthly principal and interest payment of $326.66.
A $50,000.01 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 84 months equates to a monthly principal and interest payment of $736.19.
2015 - 2020 auto loans
A $20,000 auto loan with a simple interest rate of 5.74% and a corresponding APR of 5.74% for 36 months equates to a monthly principal and interest payment of $606.09.
A $20,000 auto loan with a simple interest rate of 5.99% and a corresponding APR of 5.99% for 48 months equates to a monthly principal and interest payment of $469.61.
A $20,000 auto loan with a simple interest rate of 5.99% and a corresponding APR of 5.99% for 60 months equates to a monthly principal and interest payment of $386.56.
A $20,000 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 72 months equates to a monthly principal and interest payment of $333.73.
2006 - 2014 and older auto loans
A $20,000 auto loan with a simple interest rate of 6.99% and a corresponding APR of 6.99% for 36 months equates to a monthly principal and interest payment of $617.45.
Rates are subject to change without notice. Certain restrictions may apply.
All loans and lines of credit are subject to credit application, qualification and approval.
Must qualify for membership.
1 Your rate will be determined based on credit score, term and collateral.
Payment examples:
2021 - 2026 auto loans
A $20,000 auto loan with a simple interest rate of 4.99% and a corresponding APR of 4.99% for 36 months equates to a monthly principal and interest payment of $599.33.
A $20,000 auto loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 48 months equates to a monthly principal and interest payment of $462.76.
A $20,000 auto loan with a simple interest rate of 5.24% and a corresponding APR of 5.24% for 60 months equates to a monthly principal and interest payment of $379.63.
A $20,000 auto loan with a simple interest rate of 5.49% and a corresponding APR of 5.49% for 72 months equates to a monthly principal and interest payment of $326.66.
A $50,000.01 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 84 months equates to a monthly principal and interest payment of $736.19.
2015 - 2020 auto loans
A $20,000 auto loan with a simple interest rate of 5.74% and a corresponding APR of 5.74% for 36 months equates to a monthly principal and interest payment of $606.09.
A $20,000 auto loan with a simple interest rate of 5.99% and a corresponding APR of 5.99% for 48 months equates to a monthly principal and interest payment of $469.61.
A $20,000 auto loan with a simple interest rate of 5.99% and a corresponding APR of 5.99% for 60 months equates to a monthly principal and interest payment of $386.56.
A $20,000 auto loan with a simple interest rate of 6.24% and a corresponding APR of 6.24% for 72 months equates to a monthly principal and interest payment of $333.73.
2006 - 2014 and older auto loans
A $20,000 auto loan with a simple interest rate of 6.99% and a corresponding APR of 6.99% for 36 months equates to a monthly principal and interest payment of $617.45.