Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–8 of 8 in Rapid City, SD metro · median 4.72% 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 - 4.25%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 - 4.50%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 - 4.80%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 - 5.24%APRas low as
Terms
Model year 2023 and newer; credit tier 760+; minimum loan amount $10,000.
Auto loan score 79 · Carrot Score 76
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 · 2 branches
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 Rapid City, SD metro
8 banks and credit unions · checked Oct 15–22
- Typical
- 4.72%
- Top 10% up to
- 4.10%
- Banks, typical
- 5.29%
- Credit unions, typical
- 4.70%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Rapid City, SD metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Dakota Star Federal Credit UnionCredit union · 2 branches
- Aspen Federal Credit UnionCredit union · 2 branches
- Black Hills Federal Credit UnionCredit union · 10 branches