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 1–3 of 3 in Hughes County, SD · median 4.74% 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 - 4.74%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 - 4.90%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
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 Hughes County, SD
3 banks and credit unions · checked Oct 15–22
- Typical
- 4.74%
- Top 10% up to
- 3.94%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Pierre, 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