Compare Bank & Credit Union Rates
Best auto loan rates in Montana
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 1–15 of 25 in Montana · median 4.99% APR
- 3.95%APRas low as
Terms
Passenger Vehicles. Based on individual credit history. New Money Only. $25 Membership Required.
Auto loan score 96 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 2.49%APRas low asunusually low · being checked
Terms
Payment example: For a $20,000.00 loan for a term of 84 months with a 2.49% APR, the monthly payment will be $259.69. $25.00 Share Savings deposit required. All loans subject to approval.
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Model year 2021 & Newer. Fixed rate.
Auto loan score 94 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
As low as 3.99%
Auto loan score 94 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Term up to 60 months (OAC). 2023 and newer vehicles (not over retail).
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates as low as 4.49% - see if you qualify. APR based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
New (2025-2024) vehicles. Rate stated for 60 month term; maximum term is 84 months.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
For model year 2021 and newer vehicles. Promotional rate for applications received September 1, 2026, through October 31, 2026. Maximum term 72 months. No additional rate discounts apply. Subject to credit approval.
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - Bitterroot Community Federal Credit UnionVehicles 2021 or Newer · up to 72 months
Credit union · 1 branch
4.59%APRas low asTerms
100% Financing up to 72 months
Auto loan score 82 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - Ravalli County Federal Credit UnionNew & Used Autos (New Wheels & Community Meals) · up to 72 months
Credit union · 2 branches
4.65%APRas low asTerms
On approved credit (OAC). Requires donation of 6 boxes of cereal, a case of boxed food, or a case of canned food.
Auto loan score 88 · Carrot Score 87
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
Reduced-rate refinance special: 0.50% rate discount applies to auto loans refinanced from another lender (external refinance). Stated rate is lowest available on new or used vehicle loans, including rate discount. Not valid on purchase loans. BHFCU employees excluded. Offer valid through December 31, 2026.
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Rate starting at 4.90% APR. Requires Loan-to-Value (LTV) <= 80%; 1.5% added if LTV > 80%. Approved credit required.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year up to 5 years
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Southwest Montana Community Federal Credit UnionNew Vehicles (2024-2026) · up to 60 months
Credit union · 5 branches
4.99%APRas low asTerms
Rates as low as
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
This Vehicle Loan Rate applies to current and previous year.
Auto loan score 75 · Carrot Score 67
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 Montana
25 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 3.99%
- Banks, typical
- 5.36%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Montana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altana Federal Credit UnionCredit union · 11 branches
- Billings Federal Credit UnionCredit union · 4 branches
- Mountain America Credit UnionCredit union · 2 branches