Compare Bank & Credit Union Rates
Best auto loan rates in Fargo, ND
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 Fargo, ND · median 4.75% APR
- 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle 2023 & newer. Rate includes 0.75% discount for automatic loan payment from a Magnifi account.
Auto loan score 88 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Terms
Loans subject to credit approval, not all members may qualify. Qualifying rate is dependent on credit qualifications, term of loan, and other conditions. Minimum APR loan payment example: 4.74% APR for 36 months per $1,000 is $29.86.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
60 Month New Auto Loans. Model Year 2024 and Newer. New/Refinance. Rates displayed include the additional All-In Member Pricing interest rate discount up to 0.50% APR. Requirements: 21+ debit or credit card transactions per month (transaction count is not a combination of debit and credit card transactions; debit posted within calendar month, credit posted between 27th of previous month and 26th of current month; excludes ATM/cash) and minimum of $1,500 in direct deposit(s) and/or mobile deposit within last 31 days into qualifying account; must maintain open consumer checking account within same membership. Electronic payment indicated; add 1% for non-electronic payment method.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Credit tier A+. Rate is 'as low as'; credit worthiness applies.
Auto loan score 87 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 17.25%
4.75% APR, up to 17.25%
Terms
Interest rate is based on credit score factors and the term of the loan. Financing is based on the MSRP, NADA or purchase price, whichever is less. Up to 100% financing.
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Fixed-rate loans with terms up to 84 months based on newness of vehicle. Rate determined by credit score tier; vehicles with MSRP > $75,000 may have higher rate.
Auto loan score 83 · Carrot Score 82
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
Fixed APR as low as 4.99%. Stated rates are for stated terms effective 10/1/2026, with automatic payment from a TCCU checking account. Repayment example for A+ Borrowers: 36 monthly payments of $29.86 per $1,000 borrowed. Rate and approval based on credit history and underwriting factors. Applies to new or used auto financing and refinancing. Flexible terms available up to 72 months. Borrow up to 100% MSRP.
Auto loan score 83 · Carrot Score 87
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
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 Fargo, ND
9 banks and credit unions · checked Oct 15–22
- Typical
- 4.75%
- Top 10% up to
- 4.59%
- Banks, typical
- 6.12%
- Credit unions, typical
- 4.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Fargo, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Midwest BankBank · 1 branch
- Magnifi FinancialCredit union · 3 branches
- Empeople Credit UnionCredit union · 3 branches