Compare Bank & Credit Union Rates
Best auto loan rates in St. Paul, 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 1–14 of 14 in St. Paul, MN · median 5.24% APR
- St. Paul Federal Credit UnionAuto Model Years – LESS than 8 years old · up to 60 months
Credit union · 3 branches
4.29%APRas low asTerms
Lowest Annual Percentage Rate (APR). Based on creditworthiness and term.
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Payment is $14.02 per $1,000 borrowed.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low as
Terms
Rates and terms based on approved credit, FICO score, and loan type. 0.25% rate discount available with Auto Pay.
Auto loan score 86 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - Farm Credit Employees Federal Credit UnionAuto Loan - New (2026/2025) · up to 60 months
Credit union · 1 branch
4.89%APRas low as · up to 5.39%4.89% APR, up to 5.39%
Terms
Rate is 5.39% APR or 4.89% APR with max discount (up to 0.50% reduction for automatic payroll deduction, new member, or GAP/MRC).
Auto loan score 80 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 & newer. Rate reflects loyalty discounts.
Auto loan score 71 · Carrot Score 88
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 - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2022 & Newer. Monthly payment of $18.99 per $1,000 borrowed.
Auto loan score 73 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - City & County Credit UnionNew Vehicle: model year 2026 - 2025 · up to 60 months
Credit union · 1 branch
5.44%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications.
Auto loan score 68 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - Pipefitters Steamfitters Credit UnionNew Vehicle 2023-Newer · up to 60 months
Credit union · 1 branch
5.75%APRas low asAuto loan score 65 · Carrot Score 81
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 - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as · up to 16.49%with conditions
6.24% APR, up to 16.49%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes automatic payment and electronic document discount.
Auto loan score 63 · Carrot Score 83
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 St. Paul, MN
14 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.76%
- Banks, typical
- 6.00%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
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Minneapolis, MN-WI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- VisionBankBank · 1 branch
- Luminate BankBank · 1 branch
- St. Paul Federal Credit UnionCredit union · 3 branches