4-Year Used Auto Loan Rates – Nebraska 2026

Find the best Nebraska 4-Year Used Auto Loan rates and car loan rates with a loan amount of $25,000. Compare payment and rate to find the best car loan for your vehicle in Nebraska. Click on the lender links below for more information about each offer.

Nebraska 4-Year Used Auto Loan

November 6, 2026 Average Rate: 7.10%

Lender APR (%)? Monthly Payment
Security First Bank
Updated 06/25/2019
1.95% $715.52
Pentagon Credit Union
Updated 06/25/2020
Restrictions
2.14% $717.59
Navy Federal Credit Union Credit Union
Updated 01/30/2023
Restrictions
2.99% $726.92
State Employees Cu Of Maryland, Inc Credit Union
Updated 01/17/2020
Restrictions
2.99% $726.92
Virginia Credit Union, Inc., Credit Union
Updated 06/03/2019
Restrictions
2.99% $726.92
Eastman Credit Union
Updated 09/02/2019
Restrictions
3.30% $730.34
Capital One, National Association
Updated 04/16/2020
4.76% $746.58
United Nations Credit Union
Updated 09/13/2019
Restrictions
5.50% $754.90
Jovia Financial Credit Union
Updated 02/28/2023
Restrictions
5.79% $758.17
Security First Bank
Updated 06/25/2019
1.95% $541.83
Pentagon Credit Union
Updated 06/25/2020
Restrictions
2.74% $550.49
Virginia Credit Union, Inc., Credit Union
Updated 06/03/2019
Restrictions
2.99% $553.25
Center Parc Credit Union
Updated 08/27/2019
Restrictions
2.99% $553.25
State Employees Cu Of Maryland, Inc Credit Union
Updated 01/17/2020
Restrictions
3.24% $556.01
Eastman Credit Union
Updated 09/02/2019
Restrictions
3.30% $556.68
Navy Federal Credit Union Credit Union
Updated 01/30/2023
Restrictions
3.69% $561.01
Capital One, National Association
Updated 04/16/2020
5.12% $577.09
United Nations Credit Union
Updated 09/13/2019
Restrictions
5.50% $581.41
Jovia Financial Credit Union
Updated 02/28/2023
Restrictions
5.79% $584.72
Jpmorgan Chase Bank, National Association
Updated 10/16/2026
6.79% $596.22

Data provided by BestCashCow

APR (Annual Percentage Rate) is the rate that incorporates monthly compounding charges to express the a finance charges as an annual rate.

Rates provided by BestCashCow are based on loan amount of $25,000 and a variety of factors including credit score and loan to value ratios. For specific requirements please check with the lender. Rates may change at any time.

Used Auto Loans - Rates are based on a $25,000 loan in Nebraska for a purchase transaction of a used vehicle. Discounts indicate the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates are subject to change without notice.

FREQUENTLY ASKED QUESTIONS

How do auto loan rates work?

Auto loan rates are expressed as an Annual Percentage Rate (APR), which reflects both the interest rate and any lender fees over the term of the loan. Your auto loan APR depends on factors including your credit score, loan term length, vehicle age (new vs. used), and whether you are purchasing a vehicle or refinancing an existing car loan.

Should I refinance my auto loan?

Refinancing an auto loan can lower your monthly payment and reduce total interest costs if market interest rates have dropped since you financed your vehicle, if your credit score has improved, or if you initially financed through a dealership at a higher rate. Compare the APR and remaining term on your current loan against refinance offers to see your potential savings.

How does loan term length affect my car payment?

Shorter auto loan terms (such as 36 or 48 months) typically offer lower interest rates and cost less in total interest over the life of the loan, though the monthly payment is higher. Longer terms (such as 60 months) reduce the monthly payment amount but generally carry a slightly higher APR and increase total interest paid.