Compare Bank & Credit Union Rates
Best auto loan rates in North Dakota
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 16–20 of 20 in North Dakota · median 4.87% APR
- 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 - 5.17%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Calculated on a $20,000 auto loan with a 48-month term for 2022 or newer vehicles with fewer than 100,000 miles. Actual rates and terms may vary based on credit, loan amount, loan term, vehicle value, and model year. A Railway Credit Union (RCU) checking account with automatic payments may be required. Not all applicants will qualify for the lowest rate. Rate subject to change. Additional terms and conditions may apply. Membership with RCU is required. Please contact us for full details and eligibility requirements.
Auto loan score 81 · Carrot Score 86
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 - 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 North Dakota
20 banks and credit unions · checked Oct 15–22
- Typical
- 4.87%
- Top 10% up to
- 4.35%
- 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.
North Dakota
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
- Service Credit UnionCredit union · 1 branch