Bank · FDIC insured
Think Bank Auto Loan Rates
Top CarrotThink Bank auto loans start at 4.99% APR for a new vehicle and 6.00% for a used one. Rates checked October 16, 2026.
How Think Bank’s auto loan rates compare
Compared with banks and credit unions near Rochester, MN, where Think Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Think Bank
4.99%APR
- Terms
- up to 60 months
Fixed-rate auto & truck loans
Lowest rate
Mayo Employees Federal Credit Union
4.49%APR
- Terms
- up to 60 months
3rd-lowest rate
First Alliance Credit Union
4.99%APR
- Terms
- 37–60 months
Think Bank auto loan score
78
Auto loan score
Higher than 46% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed6.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Think Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Fixed-rate auto & truck loans
Loan term is based upon the dollar amount of the loan and the age and type of collateral. Fixed rate for new purchase, used, or refinance of cars and trucks.
| Terms | APR | Conditions |
|---|---|---|
| up to 12 months | 4.99% | New Purchase |
| up to 24 months | 4.99% | New Purchase |
| up to 36 months | 4.99% | New Purchase |
| up to 48 months | 4.99% | New Purchase |
| up to 60 months | 4.99% | New Purchase |
| up to 72 months | 4.99% | New Purchase |
| up to 84 months | 5.39% | New Purchase only; not available for used or refinance |
Sources (2)
All captured Oct 16, 2026
Variable-rate secured loans
Collateral includes autos, boat, trailer, travel trailer, motorcycle, or stock loans. Rate subject to change and may increase quarterly; maximum rate 18% APR. Loan term based upon dollar amount and age and type of collateral.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.00% | Approximate term. Rate subject to quarterly change; maximum rate 18% APR. |
| up to 108 months | 6.00% | Approximate term. Rate subject to quarterly change; maximum rate 18% APR. |
Sources (2)
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.