Compare Bank & Credit Union Rates
Best auto loan rates in Lincoln, NE
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 1–11 of 11 in Lincoln, NE · median 4.85% APR
- 3.99%APRas low as
Terms
As low as rate for new/used auto loans.
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rates as low as 4.25%. Up to 100% financing for most vehicle purchases and terms available up to 7 years. New or pre-owned vehicles.
Auto loan score 92 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - LPS Employees Federal Credit UnionNew Vehicle/RV (2025 & Newer) · up to 60 months
Credit union · 1 branch
4.50%APRas low as · up to 7.50%4.50% APR, up to 7.50%
Terms
Credit score > 700 to 649-550; best rate requires credit score > 700
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year: 2024 & Newer. Stated base term is 36 months (36-84 months available). Repayment example: $25,000 at 4.70% APR for 36 months is $745.91/month; $25,000 at 4.87% APR for 60 months is $470.29/month.
Auto loan score 86 · Carrot Score 86
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
Vehicle year: 2025 - 2024. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low as
Terms
Model years 2026 - 2025; Payment per $1,000 is $18.81
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Terms up to 60 months. Rate includes a 0.50% discount for autopay from a LincOne Checking Account.
Auto loan score 72 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
84 month term available for loan amounts greater than $20,000. Rate based on creditworthiness and term of loan. All loan rates include discounts.
Auto loan score 72 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - Security First BankBrand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in) · 49–60 months
Bank · 3 branches
5.29%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automatic payments from Security First Bank checking or savings required. $75 prepayment penalty within 12 months.
Auto loan score 72 · Carrot Score 77
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 - 6.76%APRas low as
Terms
Limited time offer that may be canceled without notice. Available for new and used vehicles dated 2024 or newer, terms with maximum 60 months, maximum loan-to-value of 100%, and excellent credit. Estimated payment for a $10,000.00 loan is $196.90 for 60 months, including financed origination fee up to $185.
Auto loan score 62 · 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 Lincoln, NE
11 banks and credit unions · checked Oct 16–22
- Typical
- 4.85%
- Top 10% up to
- 4.25%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.72%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Lincoln, NE metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cornhusker BankBank · 8 branches
- Cobalt Credit UnionCredit union · 1 branch
- Union Bank & TrustBank · 20 branches