Compare Bank & Credit Union Rates
Best auto loan rates in South 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 1–15 of 25 in South Dakota · median 4.99% APR
- 3.74%APRas low as
Terms
$15,000 minimum loan on 61-72 mo. loans. Rates shown can be REDUCED by .25% with DPFCU autopay OR 80% Equity or more. Must have less than 10,000 miles, have not been previously titled and be no older than 1 model year to qualify as “new”. With discount, rates range from 2.19% to 8.00% based on credit history.
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as · up to 13.85%
4.24% APR, up to 13.85%
Terms
For 2023 & newer vehicles. Lowest APR requires 750+ credit score; highest APR applies to 599 and below credit score.
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
New Car Loans. Rates as low as 4.25% APR.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
2024 or newer vehicle, credit score 750+, term up to 60 months. Approved by Board of Directors on 02/19/2026.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2021 and newer; financing up to 120% LTV.
Auto loan score 87 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as 4.50% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates includes discounts available of 0.25% for automatic payment and 0.25% for direct deposit into an IFCU checking account.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Rate as low as 4.70% APR; rate based on creditworthiness and term of loan.
Auto loan score 88 · Carrot Score 89
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
Reduced-rate refinance special: 0.50% rate discount applies to auto loans refinanced from another lender (external refinance). Stated rate is lowest available on new or used vehicle loans, including rate discount. Not valid on purchase loans. BHFCU employees excluded. Offer valid through December 31, 2026.
Auto loan score 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 10.00%with conditions
4.75% APR, up to 10.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate requires credit score 700+, active checking/direct deposit, and payment deducted from Siouxland FCU account. Coupon book payment adds 0.25%.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Terms
Rates as low as 4.80% APR on new or used vehicles. Terms of up to 84 months and up to 125% financing for qualified members. Fixed and variable rates available for purchase or refinance. Tiered-pricing based on creditworthiness, loan term, collateral type/age, and credit history.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as · up to 11.40%with conditions
4.90% APR, up to 11.40%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026-2025 New & Nearly New. APR ranges by Beacon Score Tier 1 (760+) to Tier 6 (<599). Includes 0.50% discount for autopay/payroll deduction.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Starting at 4.99% Annual Percentage Rate.
Auto loan score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.09%
4.99% APR, up to 16.09%
Terms
Annual percentage rate determined by credit score using a tiered pricing program. APR example using $25,000 borrowed. Rates are subject to change without notice.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Credit score 750+
Auto loan score 83 · Carrot Score 72
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
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 South Dakota
25 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.35%
- Banks, typical
- 5.76%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
South Dakota
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- San Diego Firefighters Federal Credit UnionCredit union · 1 branch
- Voyage Federal Credit UnionCredit union · 4 branches
- Sioux Valley Co-op Federal Credit UnionCredit union · 1 branch