Compare Bank & Credit Union Rates
Best auto loan rates in Grand Forks, 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 1–6 of 6 in Grand Forks, ND · median 5.05% APR
- 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 - 5.00%APRas low as · up to 10.00%
5.00% APR, up to 10.00%
Terms
Financing over $25,000. New = never titled AND less than 5,000 miles. Rates are based on credit history.
Auto loan score 85 · Carrot Score 81
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
As low as 5.00% APR. Auto & recreational promo rate requires active direct deposit and automatic payment. All loan rates are based on individual creditworthiness.
Auto loan score 75 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
New car. Rates as low as stated; based on applicant's credit worthiness. Credit union finances 100% of the sticker price to qualified applicants.
Auto loan score 75
Rate checked · Auto loans rates on its site
Rates and branches - University Federal Credit UnionVehicles: 2019 and Newer Models · up to 60 months
Credit union · 2 branches
5.50%APRas low asTerms
Loan term up to 60 months. Rates based on applicant's creditworthiness.
Auto loan score 72 · Carrot Score 71
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 Grand Forks, ND
6 banks and credit unions · checked Oct 15–22
- Typical
- 5.05%
- Top 10% up to
- 4.87%
- Banks, typical
- 6.00%
- Credit unions, typical
- 5.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Grand Forks, ND-MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Service Credit UnionCredit union · 1 branch
- United Valley BankBank · 2 branches
- First Community Credit UnionCredit union · 4 branches