Compare Bank & Credit Union Rates
Best auto loan rates in Spearfish, SD
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 1–3 of 3 in Lawrence County, SD · median 4.74% APR
- 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 - 4.74%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 - Security First BankBrand New Vehicles: 2027 or 2026 Models (Not previously sold or traded in) · 49–60 months
Bank · 1 branch
5.29%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Automatic payments from Security First Bank checking or savings required. $75 prepayment penalty within 12 months.
Auto loan score 72 · Carrot Score 77
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 Lawrence County, SD
3 banks and credit unions · checked Oct 22
- Typical
- 4.74%
- Top 10% up to
- 4.35%
- Banks, typical
- 5.29%
- Credit unions, typical
- 4.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Spearfish, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Black Hills Federal Credit UnionCredit union · 1 branch