Compare Bank & Credit Union Rates
Best auto loan rates in Duluth, MN
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–9 of 9 in Duluth, MN · median 5.49% APR
- 3.95%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 5-year (60-month) term. Minimum 700 credit score and active direct deposit of at least $750/month into checking account required.
Auto loan score 96 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Special promotional financing through September 30, 2026 on new and used vehicles (cars, trucks, and SUVs) for up to 60 months. Valid on new loans financed through North Star Credit Union only; existing loans are not eligible. Membership eligibility and credit approval required.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Year 2024 and newer. Requires automatic payments (without auto pay the APR will be 0.25% higher). Payment example: $18.87 per $1,000 borrowed.
Auto loan score 79 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate as low as 5.24% APR for 60 months based on LTV < 70%. Payment example: $18.98 per $1,000 borrowed.
Auto loan score 75 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Rates based on final LTV of 75%. Up to 120% financing available up to 72 months term.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
As low as 5.75% APR
Auto loan score 68 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Rates start at stated APR.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Autos new to 2 years old. Quoted as lowest possible rate; actual rate based on credit history, down payment, term, and model year. Member eligibility required.
Auto loan score 66 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 6.01%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.005% APR on loans for new or pre-owned cars and trucks with terms up to 84 months. Based on highest credit tier; includes 0.25% autopay discount and $175 processing fee. Example given for 2025 or newer vehicle, 60-month term on $20,000 loan at 5.64% interest rate (6.005% APR).
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Duluth, MN
9 banks and credit unions · checked Oct 15–16
- Typical
- 5.49%
- Top 10% up to
- 4.78%
- Banks, typical
- 6.00%
- Credit unions, typical
- 5.36%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Duluth, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harbor Pointe Credit UnionCredit union · 3 branches
- Northwoods Credit UnionCredit union · 4 branches
- North Star Credit UnionCredit union · 4 branches