Auto Loan Rates in Athens, Alabama (AL) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Athens, Alabama. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Athens, Alabama include North Alabama Educators Credit UnionNorth Alabama Educators Credit Union107 US Highway 31 S, Athens, AL, 35611A+5.0 ★Texas Ratio: 2.73% offering New or Used Vehicle 2022 or newer at 4.50%, Redstone Federal Credit UnionRedstone Federal Credit Union1703 Jefferson St SE, Athens, AL, 35611A+5.0 ★Texas Ratio: 3.00% offering New Car at 4.75%, TVA Community Credit UnionTVA Community Credit Union10835 Shaw Rd # BFT 2C, Athens, AL, 35611A+5.0 ★Texas Ratio: 0.71% offering Auto Loans - New & Used (Current year model and 3 previous years) at 5.15%, Family Security Credit UnionFamily Security Credit Union214 US Highway 31 S, Athens, AL, 35611 2828A+5.0 ★Texas Ratio: 1.42% offering Auto Loan at 5.34%, Listerhill Credit UnionListerhill Credit Union22223 US 72, Athens, AL, 35613A+5.0 ★Texas Ratio: 4.62% offering Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles at 5.74%.
Auto loan rates in Athens, Alabama are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Athens, Alabama. Auto Loan Rates Last Updated and Verified: March 22, 2026
Compare Auto Loan Rates Today in Athens, Alabama & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New or Used Vehicle 2022 or newer
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New Vehicle
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New/Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicle 2014 or newer
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicles with over 150,000 Miles - 2014 or Newer
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
214 US Highway 31 S, Athens, AL, 35611 2828
Auto Loan
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - Used (4 year old and older)
5.35%
48 Months
▼
APR5.35%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
214 US Highway 31 S, Athens, AL, 35611 2828
Auto Loan
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - Used (4 year old and older)
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
New Car
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New Vehicle
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Finance $28,000 or more for 84 months
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New/Used Auto Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicle 2014 or newer
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Finance amounts of $28,000 or more for 84 months
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - Used (4 year old and older)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedMar 17, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
New Car
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedMar 21, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
Used Car
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans Previous 3 Years and up - More Than 30,000 miles
6.24%
66 Months
▼
APR6.24%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 months
▼
APR6.24%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
214 US Highway 31 S, Athens, AL, 35611 2828
Auto Loan
6.34%
84 Months
▼
APR6.34%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
214 US Highway 31 S, Athens, AL, 35611 2828
Vehicle Loan
6.34%
36 Months
▼
APR6.34%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans Previous 3 Years and up - More Than 30,000 miles
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Family Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
214 US Highway 31 S, Athens, AL, 35611 2828
Vehicle Loan
6.60%
72 Months
▼
APR6.60%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans Used Auto (4-6 years old)
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Used Auto (4-6 years old)
6.99%
75 months
▼
APR6.99%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.49%
66 months
▼
APR7.49%
Term66 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Antique Automobiles (25 yrs old)
7.74%
75 months
▼
APR7.74%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans Antique Automobiles (25 yrs old)
7.74%
75 Months
▼
APR7.74%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.74%
96 Months
▼
APR7.74%
Term96 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans Used Auto (7-24 Years)
7.74%
75 Months
▼
APR7.74%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.74%
96 months
▼
APR7.74%
Term96 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Used Auto (7-24 Years)
7.74%
75 months
▼
APR7.74%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.79%
75 months
▼
APR7.79%
Term75 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Used Auto (4-6 years old)
7.99%
72 months
▼
APR7.99%
Term72 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Rebuilt Automobiles
8.25%
Terms based on year
▼
APR8.25%
TermTerms based on year
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
8.54%
84 months
▼
APR8.54%
Term84 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Antique Automobiles (25 yrs old)
9.24%
72 months
▼
APR9.24%
Term72 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Used Auto (7-24 Years)
9.24%
72 months
▼
APR9.24%
Term72 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Rebuilt Automobiles
9.25%
Terms based on year
▼
APR9.25%
TermTerms based on year
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
9.29%
96 months
▼
APR9.29%
Term96 months
Last UpdatedMar 17, 2026
Details
Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
316 17th St N, Bessemer, AL, 35020
NEW Auto Loan
2.00%
84 Months
▼
APR2.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Auto Loans
2.99%
up to 48
▼
APR2.99%
Termup to 48
Last UpdatedMar 22, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; 100% Financing
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; NADA Retail Value Maximum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
3.70%
102 Months
▼
APR3.70%
Term102 Months
Last UpdatedMar 21, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
New Autos (2026, 2025 w/less than 15,000 miles)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2024-2020)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 48 Month Term
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
4.34%
12 Months
▼
APR4.34%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 12 months
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.39%
12 Months
▼
APR4.39%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 12 months
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer)
4.49%
24 to 84 months
▼
APR4.49%
Term24 to 84 months
Last UpdatedMar 22, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
NEW & UP TO 5 YEARS OLD Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Current year + 2 previous years
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
4.50%
up to 36 Months
▼
APR4.50%
Termup to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
22 Inverness Center Pkwy, Hoover, AL, 35242
Auto Loans
4.68%
60 Months
▼
APR4.68%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Rates from 4.68% to 10.84%; Up to 60-month terms; $20 application fee; No pre-payment penalties; Amount: up to $30,000; Financing up to 80% for purchases or 100% when refinancing; Maximum selling price will be capped at Kelley Blue Book value
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.69%
24 Months
▼
APR4.69%
Term24 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 24 months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As; Current or up to 2 yrs. old
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto 2026-2021
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMar 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 9.99%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 60 Month Term
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans 48 Month Term
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 17, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 17, 2026
Details
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Auto Loans
4.75%
49 to 66
▼
APR4.75%
Term49 to 66
Last UpdatedMar 22, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 17, 2026
Details
Up to 60 Months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
4.80%
24 Months
▼
APR4.80%
Term24 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 24 months
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As; Current or up to 2 yrs. old
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As; (3 model years to 5 model years old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto (36 Months)
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMar 22, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As; Current or up to 2 yrs. old
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As; (3 model years to 5 model years old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto (48 Months)
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 72 Month Term
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
4.95%
61 Months
▼
APR4.95%
Term61 Months
Last UpdatedMar 17, 2026
Details
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 36 months
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 20, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
NEW & UP TO 5 YEARS OLD Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 18, 2026
Details
Blue Flame Credit Union Mobile, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
220 Furr St, Mobile, AL, 36607
USED VEHICLES
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
New/ Newer Autos
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedMar 18, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Used Autos
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedMar 18, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans 60 Month Term
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 17, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
1731 Noble St, Anniston, AL, 36201
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos*
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 22, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.05%
up to 63 Months
▼
APR5.05%
Termup to 63 Months
Last UpdatedMar 17, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.10%
60 Months
▼
APR5.10%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As; (3 model years to 5 model years old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto (60 Months)
5.10%
60 Months
▼
APR5.10%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 22, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
Used Automobiles
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 20, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 12.99%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 21, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 22, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
1731 Noble St, Anniston, AL, 36201
Used Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; $10,000 or more to Finance
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos*
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Birmingham City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
2725 35th Ave N, Birmingham, AL, 35207 2839
Auto Loans
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 18, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1000 Interstate Park Dr, Montgomery, AL, 36109
Auto Loans
5.25%
67 to 78
▼
APR5.25%
Term67 to 78
Last UpdatedMar 22, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 17, 2026
Details
Up to 72 Months
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 48 months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
5.30%
66 Months
▼
APR5.30%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMar 22, 2026
Details
United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Auto Loan
5.33%
0-36
▼
APR5.33%
Term0-36
Last UpdatedMar 22, 2026
Details
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 36 months
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL, 35660 2517
New Vehicles
5.35%
5 Years
▼
APR5.35%
Term5 Years
Last UpdatedMar 18, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As; Current or up to 2 yrs. old
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 22, 2026
Details
United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Auto Loan
5.48%
0-36
▼
APR5.48%
Term0-36
Last UpdatedMar 22, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer)
5.49%
24 to 84 months
▼
APR5.49%
Term24 to 84 months
Last UpdatedMar 22, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 20, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
NEW & UP TO 5 YEARS OLD Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMar 18, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMar 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMar 16, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedMar 16, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 22, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
5.50%
73 Months
▼
APR5.50%
Term73 Months
Last UpdatedMar 17, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
Used car / truck purchase (3 model years & older), 60 month max term.
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 17, 2026
Details
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 60 months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Auto Loan
5.63%
37-60
▼
APR5.63%
Term37-60
Last UpdatedMar 22, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL, 35660 2517
2020 - 2022 Used Vehicles
5.65%
5 Years
▼
APR5.65%
Term5 Years
Last UpdatedMar 18, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.65%
up to 75 Months
▼
APR5.65%
Termup to 75 Months
Last UpdatedMar 17, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As; (3 model years to 5 model years old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto (72 Months)
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto 2026-2021
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New or Used Vehicle 2022 or newer
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New Vehicle
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New/Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicle 2014 or newer
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicles with over 150,000 Miles - 2014 or Newer
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
New Car
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New Vehicle
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Finance $28,000 or more for 84 months
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New/Used Auto Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicle 2014 or newer
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Finance amounts of $28,000 or more for 84 months
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedMar 17, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
New Car
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedMar 21, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 months
▼
APR6.24%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.24%
36 months
▼
APR7.24%
Term36 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.49%
66 months
▼
APR7.49%
Term66 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.74%
96 Months
▼
APR7.74%
Term96 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.74%
96 months
▼
APR7.74%
Term96 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
7.79%
75 months
▼
APR7.79%
Term75 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
8.54%
84 months
▼
APR8.54%
Term84 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
New Auto and Previous 3 Years and Up - Less than 30,000 miles
9.29%
96 months
▼
APR9.29%
Term96 months
Last UpdatedMar 17, 2026
Details
Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
316 17th St N, Bessemer, AL, 35020
NEW Auto Loan
2.00%
84 Months
▼
APR2.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Shopping for a new car, or a car with under 30,000 miles? Finance up to $25,000.00
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; 100% Financing
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
3.70%
102 Months
▼
APR3.70%
Term102 Months
Last UpdatedMar 21, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
New Autos (2026, 2025 w/less than 15,000 miles)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 48 Month Term
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.39%
12 Months
▼
APR4.39%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 12 months
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer)
4.49%
24 to 84 months
▼
APR4.49%
Term24 to 84 months
Last UpdatedMar 22, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
NEW & UP TO 5 YEARS OLD Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Current year + 2 previous years
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
4.50%
up to 36 Months
▼
APR4.50%
Termup to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.69%
24 Months
▼
APR4.69%
Term24 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 24 months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As; Current or up to 2 yrs. old
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto 2026-2021
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 9.99%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 60 Month Term
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 17, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 17, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 17, 2026
Details
Up to 60 Months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As; Current or up to 2 yrs. old
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMar 22, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As; Current or up to 2 yrs. old
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
New Vehicle Loans 72 Month Term
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
4.95%
61 Months
▼
APR4.95%
Term61 Months
Last UpdatedMar 17, 2026
Details
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 36 months
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 20, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
NEW & UP TO 5 YEARS OLD Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 18, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
New/ Newer Autos
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedMar 18, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 17, 2026
Details
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos*
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMar 22, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.05%
up to 63 Months
▼
APR5.05%
Termup to 63 Months
Last UpdatedMar 17, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 12.99%
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 22, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos*
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 17, 2026
Details
Up to 72 Months
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 48 months
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks
5.30%
66 Months
▼
APR5.30%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMar 22, 2026
Details
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL, 35660 2517
New Vehicles
5.35%
5 Years
▼
APR5.35%
Term5 Years
Last UpdatedMar 18, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As; Current or up to 2 yrs. old
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer)
5.49%
24 to 84 months
▼
APR5.49%
Term24 to 84 months
Last UpdatedMar 22, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 20, 2026
Details
Alabama Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
909 Anna Ave, Tuscaloosa, AL, 35401
NEW & UP TO 5 YEARS OLD Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMar 18, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMar 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMar 16, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 22, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027)
5.50%
73 Months
▼
APR5.50%
Term73 Months
Last UpdatedMar 17, 2026
Details
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
New Auto (2021 - 2025)
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 60 months
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.65%
up to 75 Months
▼
APR5.65%
Termup to 75 Months
Last UpdatedMar 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto 2026-2021
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New or Used Vehicle 2022 or newer
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New/Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicle 2014 or newer
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicles with over 150,000 Miles - 2014 or Newer
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.35%
60 Months
▼
APR5.35%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - Used (4 year old and older)
5.35%
48 Months
▼
APR5.35%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - Used (4 year old and older)
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
New/Used Auto Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
107 US Highway 31 S, Athens, AL, 35611
Used Vehicle 2014 or newer
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Finance amounts of $28,000 or more for 84 months
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - Used (4 year old and older)
5.95%
72 Months
▼
APR5.95%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1703 Jefferson St SE, Athens, AL, 35611
Used Car
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
10835 Shaw Rd # BFT 2C, Athens, AL, 35611
Auto Loans - New & Used (Current year model and 3 previous years)
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans Used Auto (4-6 years old)
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Used Auto (4-6 years old)
6.99%
75 months
▼
APR6.99%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Auto Loans Used Auto (7-24 Years)
7.74%
75 Months
▼
APR7.74%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Used Auto (7-24 Years)
7.74%
75 months
▼
APR7.74%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Used Auto (4-6 years old)
7.99%
72 months
▼
APR7.99%
Term72 months
Last UpdatedMar 17, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
22223 US 72, Athens, AL, 35613
Used Auto (7-24 Years)
9.24%
72 months
▼
APR9.24%
Term72 months
Last UpdatedMar 17, 2026
Details
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; NADA Retail Value Maximum
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
3.70%
102 Months
▼
APR3.70%
Term102 Months
Last UpdatedMar 21, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2024-2020)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
4.34%
12 Months
▼
APR4.34%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 12 months
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMar 22, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
4.50%
up to 36 Months
▼
APR4.50%
Termup to 36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 9.99%
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans 48 Month Term
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 17, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
4.80%
24 Months
▼
APR4.80%
Term24 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 24 months
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As; (3 model years to 5 model years old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto (36 Months)
4.80%
36 Months
▼
APR4.80%
Term36 Months
Last UpdatedMar 13, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As; (3 model years to 5 model years old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto (48 Months)
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 13, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 20, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
Blue Flame Credit Union Mobile, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
220 Furr St, Mobile, AL, 36607
USED VEHICLES
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
3003 2nd St, Rainbow City, AL, 35906 5979
Used Autos
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedMar 18, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 21, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 16, 2026
Details
As Low As
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Mutual Savings Credit Union Hoover, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
2040 Valleydale Rd, Hoover, AL, 35244 2006
Used Vehicle Loans 60 Month Term
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 17, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
1731 Noble St, Anniston, AL, 36201
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos*
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 22, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.05%
up to 63 Months
▼
APR5.05%
Termup to 63 Months
Last UpdatedMar 17, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.10%
60 Months
▼
APR5.10%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As; (3 model years to 5 model years old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto (60 Months)
5.10%
60 Months
▼
APR5.10%
Term60 Months
Last UpdatedMar 13, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMar 22, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
1800 Honda Dr, Lincoln, AL, 35096 5105
Used Automobiles
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
201 S Main St, Atmore, AL, 36502 2447
New, Used & Refinanced Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 12.99%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 21, 2026
Details
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 22, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
1731 Noble St, Anniston, AL, 36201
Used Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; $10,000 or more to Finance
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos*
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Northeast Alabama Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
200 S Quintard Ave, Anniston, AL, 36201
Used Auto (2002 - 2020)
5.34%
36 Months
▼
APR5.34%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; up to 36 months
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loan
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 22, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMar 22, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; NJ vehicles only.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 20, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2020-2026)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 16, 2026
Details
As Low As
Valley Credit Union Tuscumbia, AL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
200 E 6TH ST, TUSCUMBIA, AL, 35674
New/Used Autos 2023 & Newer
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 22, 2026
Details
Railroad Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
Used car / truck purchase (3 model years & older), 60 month max term.
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 17, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2023-2018
Electrical Workers No 558 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
1705 E 17th St, Sheffield, AL, 35660 2517
2020 - 2022 Used Vehicles
5.65%
5 Years
▼
APR5.65%
Term5 Years
Last UpdatedMar 18, 2026
Details
Avadian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
15660 Highway 280, Chelsea, AL, 35043
New and Used Autos, Trucks, and Vans
5.65%
up to 75 Months
▼
APR5.65%
Termup to 75 Months
Last UpdatedMar 17, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As; (3 model years to 5 model years old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto (72 Months)
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 13, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
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Frequently Asked Questions about Auto Loans in Athens, Alabama
How does my credit score affect my car loan rate in Alabama?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Athens, Alabama with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Alabama *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Athens, Alabama typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Athens, Alabama?
Based on our current data, some of the lowest auto loan rates available in Athens, Alabama include:
- North Alabama Educators Credit Union: 4.50% (New or Used Vehicle 2022 or newer)
- Redstone Federal Credit Union: 4.75% (New Car)
- TVA Community Credit Union: 5.15% (Auto Loans - New & Used (Current year model and 3 previous years))
- Family Security Credit Union: 5.34% (Auto Loan)
- Listerhill Credit Union: 5.74% (Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Athens, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 22, 2026
