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 St. Cloud, MN · median 5.24% 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 - 4.81%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.24% (APR as low as 4.807%). Assumes 0.25% discount for active checking account. Rate based on creditworthiness. Minimum APR loan payment example: $10,000 for 36 months with $85 doc fee has 4.807% APR. Max term varies based on credit score and loan amount.
Auto loan score 82 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 & newer. Rate reflects loyalty discounts.
Auto loan score 71 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate as low as 5.24% APR for 60 months based on LTV < 70%. Payment example: $18.98 per $1,000 borrowed.
Auto loan score 75 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised "as low as" APR assumes excellent borrower credit history. Rates include 0.25% discount for TruStone Visa® Credit Card and 0.25% discount for automatic loan payment from a TruStone account. Minimum loan amount of $5,000 required.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.56%APRas low as
Terms
Example based on borrowing $30,000 with a $249 loan processing fee (total loan amount $30,249) on a 5-year loan at an interest rate of 5.24% yielding 5.558% APR. Actual interest rate and APR may vary.
Auto loan score 71 · Carrot Score 81
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 St. Cloud, MN
8 banks and credit unions · checked Oct 15–16
- Typical
- 5.24%
- Top 10% up to
- 4.68%
- Banks, typical
- 6.12%
- Credit unions, typical
- 5.22%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
St. Cloud, MN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Magnifi FinancialCredit union · 12 branches
- Blaze Credit UnionCredit union · 1 branch
- TruStone FinancialCredit union · 1 branch