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Today’s Auto Loan rates

Competitive rates

Today’s Auto Loan rates

New/Used Auto Loan Rates – Cars, Trucks, SUVs and Motorcycles
Model YearTermAPR‍1 As Low AsMonthly Payment
2022 or newer24 months6.99%$671.52
36 months6.19%$457.62
48 months6.39%$354.96
60 months6.50%$293.49
72 months6.89%$254.94
84 months7.69%$231.48
2021 and older‍224 months6.29%$666.77
36 months6.44%$459.33
48 months6.69%$357.04
60 months6.94%$296.59
72 months7.49%$259.28
84 months8.24%$235.59
Accurate as of 10/27/2025

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Protect your vehicle

Choose comprehensive coverage options, such as Debt Protection, GAP Protection, and our Warranty Program, to safeguard your investment and give yourself peace of mind for the road ahead.

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Learn more about car buying

Auto Loan Pre-Qualification and Pre-Approval: What’s The Difference?

Gearing up for a new ride? Learn the difference between being pre-qualified and pre-approved for an Auto Loan.

10 Common Mistakes Car Buyers Make

Buying a new vehicle is exciting, but it’s easy to overpay if the excitement clouds your judgment. Here are ten common mistakes car buyers make and tips to help avoid them.

Why Get Financing BEFORE You Buy a Vehicle

If you want your dealership experience to be as smooth as possible, get your financing first. Here’s why.

FAQs: You asked. We answered.

Auto Loans

How do I receive my title or a lien release for my vehicle?
There are a number of different ways in which you can receive a title or lien release, depending on whether your loan is active or paid off, and whether you live in a state that processes paper or electronic titles. For more details, please review our Title and Lien Release FAQs.
Do I have to be preapproved for my loan before I start car shopping?
No, it’s not a requirement. But being preapproved helps you negotiate the best price for your car because you won’t end up with a high rate when you close the deal. Car dealerships take preapproved customers more seriously because it means you’re ready to do business. Here are more reasons we recommend getting pre-approved before you go to the dealership.
Can I pay off my loan quicker than the payment schedule?
Of course! There’s no prepayment penalty for paying off your loan early. Doing so will actually help you save on interest over the long run.
Can I finance a boat, motorcycle, or recreational vehicle with Connexus?
Absolutely. The rates on this page apply to motorcycles. Loans for boats and other recreational vehicles can be found on our Recreational Loans page.
What is GAP insurance and who pays for it?
GAP insurance is an insurance policy taken out at the time of an auto loan to cover the difference between what your insurance company will pay on the auto loan, if the auto is totaled, and the remaining payoff balance. The cost of the policy can be included in your loan or paid by cash.

Disclosures

See our Fee Schedule for a list of fees you may encounter.

* Calculated based on the difference between the amount paid in interest between Connexus Credit Union’s rate at 5.390% APR compared to 6.707% APR for the National market average over the life of a $30,000 auto loan over 60 months. Accurate as of: 10/26/2025. Source: Datatrac

  1. APR = Annual Percentage Rate. All rates accurate as of 10/27/2025 and are subject to change. Rates include a 1% discount when registered for Digital Banking and subscribed to eStatements, and a 1% discount for auto-paying electronically. Loan term must be at least 24 months. Individual rates and terms may vary and include all eligible discounts. Certain restrictions apply. Offer does not apply to loans currently financed at Connexus Credit Union. Offer subject to change or termination.
  2. To be eligible for the lowest available rate, term length restrictions apply. Model years 2021-2022 have a maximum term of 84 months. Model years 2018-2020 have a maximum term of 72 months. Model years 2017 and older have a maximum term length of 60 months.
  3. Make no auto loan payments for up to 90 days upon request. Offer does not apply to auto loans currently financed at Connexus Credit Union. Deferred payments must be requested at the time of application, may not exceed 90 days, and are subject to credit approval. Interest begins accruing upon disbursal of loan. Some restrictions may apply.