Compare Bank & Credit Union Rates
Best auto loan rates in Minot, 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 1–5 of 5 in Minot, ND · median 4.99% APR
- 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates are as low as 4.75% APR and depend on credit reporting scores and other variables. Not all members will receive the lowest rate.
Auto loan score 87 · Carrot Score 97
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 - 5.00%APRas low as
Terms
2023 and 2024 model years.
Auto loan score 82 · Carrot Score 86
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 Minot, ND
5 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.53%
- Banks, typical
- 6.00%
- Credit unions, typical
- 4.87%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Minot, ND metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Aspire Credit UnionCredit union · 1 branch
- Affinity First Federal Credit UnionCredit union · 1 branch
- Town and Country Credit UnionCredit union · 5 branches