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 16–25 of 25 in South Dakota · median 4.99% APR
- 5.15%APRas low as
Terms
80% Loan-To-Value (LTV). Pro Discount: 0.25% (25 bps) discount with 2 of 3 coverage products (GAP, MBP, Debt Protection) and automatic payments.
Auto loan score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 7.74%
5.24% APR, up to 7.74%
Terms
Lowest rate 5.24% APR, Base rate 7.74% APR. Rates are based on APR. Whether buying a new or used car.
Auto loan score 79 · Carrot Score 80
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 · 4 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 - 5.39%APRas low as · up to 11.50%
5.39% APR, up to 11.50%
Terms
Tiers A+ (700+) to C (620-500). Max Loan to Value: A+, A = 100% of Purchase Price (New vehicles only); B = 95% of MSRP; C = 90% of MSRP.
Auto loan score 70 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as · up to 17.99%
5.59% APR, up to 17.99%
Terms
New (2021-New).
Auto loan score 67 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as
Terms
APR as low as 5.85%
Auto loan score 64 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 15.50%
6.00% APR, up to 15.50%
Terms
Model year: 2020 - NEW; Credit tier: Platinum (750 & above) to Rebuilder (599 & under)
Auto loan score 66 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.15%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 65 · Carrot Score 73
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 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