Hoover, Alabama Best Auto Loan Rates - August 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 Hoover, Alabama. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Hoover, Alabama include Lanai Federal Credit UnionLanai Federal Credit Union22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879A+5.0 ★Texas Ratio: 0.58% offering New Auto Loans Platinum at 3.00%, HealthPlus Federal Credit UnionHealthPlus Federal Credit Union2700 Corporate Dr, Hoover, AL, 35242F2.1 ★Texas Ratio: 38.77% offering New Auto Loan at 3.29%, Electrical Federal Credit UnionElectrical Federal Credit Union22 Inverness Center Pkwy, Hoover, AL, 35242 4814A+5.0 ★Texas Ratio: 1.68% offering New/Used Auto Purchase - Up to 24 months at 3.49%, Garden Island Federal Credit UnionGarden Island Federal Credit Union22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879A+5.0 ★Texas Ratio: 2.31% offering New Auto and Used Auto (2 Years Old) at 4.49%, Legacy Community Federal Credit UnionLegacy Community Federal Credit Union1880 Chace Dr, Hoover, AL, 35244 1825A+5.0 ★Texas Ratio: 1.51% offering Vehicle Loans at 4.50%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Hoover has 14 local institutions in our database, with auto loan rates as low as 3.00% APR from Lanai Federal Credit Union at 22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Hoover, Alabama. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Hoover, Alabama & Surrounding Area
Hoover Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
3.00%
Up to 3 Years
▼
APR3.00%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Platinum Used Auto Loan
3.25%
Up to 3 Years
▼
APR3.25%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
3.29%
48 months
▼
APR3.29%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - Up to 24 months
3.49%
Up to 24 months
▼
APR3.49%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
3.50%
4 Years
▼
APR3.50%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
3.75%
5 Years
▼
APR3.75%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Platinum Used Auto Loan
3.75%
4 Years
▼
APR3.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
3.79%
60 months
▼
APR3.79%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
4.00%
6 Years (72 months)
▼
APR4.00%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
4.00%
Up to 3 Years
▼
APR4.00%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 48 months
4.24%
48 months
▼
APR4.24%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Platinum Used Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Preferred Used Auto Loan
4.25%
Up to 3 Years
▼
APR4.25%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
4.50%
6.5 Years (78 months)
▼
APR4.50%
Term6.5 Years (78 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1880 Chace Dr, Hoover, AL, 35244 1825
Vehicle Loans
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
As low as; 2024 - 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New or Used Vehicle 2022 or newer Loan
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
4725 Chace Cir, Hoover, AL, 35244 3700
NEW AUTO
4.60%
63 MONTHS
▼
APR4.60%
Term63 MONTHS
Last UpdatedAug 28, 2026
Details
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
Neighborhood Trust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
22 Inverness Center Pkwy, Hoover, AL, 35242
Auto Loans
4.68%
Up to 72 month
▼
APR4.68%
TermUp to 72 month
Last UpdatedAug 28, 2026
Details
Amount: up to $35,000 Financing up to 80% for purchases or 100% when refinancing Maximum selling price will be capped at Kelley Blue Book value $2 application fee No pre-payment penalties
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 36 Months
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
4.75%
5 Years
▼
APR4.75%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Platinum Used Auto Loan
4.75%
6 Years (72 months)
▼
APR4.75%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Preferred Used Auto Loan
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1880 Chace Dr, Hoover, AL, 35244 1825
Vehicle Loans
4.75%
49 - 63 Months
▼
APR4.75%
Term49 - 63 Months
Last UpdatedAug 28, 2026
Details
As low as; 2024 - 2026
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Vehicle Loan
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicle 2014 or newer Loan
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicles with over 150,000 Miles - 2014 or Newer Loan
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loan - 36 Months
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 48 Months
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1880 Chace Dr, Hoover, AL, 35244 1825
Vehicle Loans
4.90%
49-63 Months
▼
APR4.90%
Term49-63 Months
Last UpdatedAug 28, 2026
Details
As low as; 2022 - 2023
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loan - 61 Months
4.95%
61 months
▼
APR4.95%
Term61 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans
4.95%
61 months
▼
APR4.95%
Term61 months
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Purchase includes purchasing a new or used vehicle or using a free and clear title to finance a loan. We also offer purchase loans on trailers, RVs, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan purchase payment examples: $20,000 at 4.99% APR for 60 months, you would make 60 payments of $378.00 RV payment example: $75,000 at 6.74% APR for 120 months, you would make 120 payments of $862.00.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans
5.00%
12 - 60 Months
▼
APR5.00%
Term12 - 60 Months
Last UpdatedAug 28, 2026
Details
Your rate may be higher from the above rate, and will be determined after a review of your credit history.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
5.00%
6 Years (72 months)
▼
APR5.00%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loans
5.00%
12 - 60 Months
▼
APR5.00%
Term12 - 60 Months
Last UpdatedAug 28, 2026
Details
Your rate may be higher from the above rate, and will be determined after a review of your credit history.
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 60 Months
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Preferred Used Auto Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1880 Chace Dr, Hoover, AL, 35244 1825
Vehicle Loans
5.25%
64-75 Months
▼
APR5.25%
Term64-75 Months
Last UpdatedAug 28, 2026
Details
As low as; 2024 - 2026
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
5.25%
61 months
▼
APR5.25%
Term61 months
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
5.29%
96 months
▼
APR5.29%
Term96 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loan - 73 Months
5.45%
73 months
▼
APR5.45%
Term73 months
Last UpdatedAug 28, 2026
Details
Minimum loan amount $20,000
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans
5.45%
73 months
▼
APR5.45%
Term73 months
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
5.50%
7 Years (84 months)
▼
APR5.50%
Term7 Years (84 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
5.50%
6.5 Years (78 months)
▼
APR5.50%
Term6.5 Years (78 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 72 Months
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
5.74%
120 months
▼
APR5.74%
Term120 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Refinance is strictly for refinancing a new or used vehicle to EFCU from another financial institution. We will also refinance RVs, trailers, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan refinance payment examples: $20,000 at 3.99% APR for 60 months, you would make 60 payments of $369.00 RV payment example: $75,000 at 5.74% APR for 120 months, you would make 120 payments of $824.00.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Preferred Used Auto Loan
5.75%
6 Years (72 months)
▼
APR5.75%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1880 Chace Dr, Hoover, AL, 35244 1825
Vehicle Loans
5.75%
64-75 Months
▼
APR5.75%
Term64-75 Months
Last UpdatedAug 28, 2026
Details
As low as; 2022 - 2023
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Vehicle Loan
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Finance $28,000 or more for 84 months; As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicle 2014 or newer Loan
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Finance amounts of $28,000 or more for 84 months; As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
5.75%
73 months
▼
APR5.75%
Term73 months
Last UpdatedAug 28, 2026
Details
Minimum loan amount $20,000
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1021 1021 Marble Ter, Hoover, AL, 35244
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1021 1021 Marble Ter, Hoover, AL, 35244
New car rate Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loan - 84 Months
5.95%
84 months
▼
APR5.95%
Term84 months
Last UpdatedAug 28, 2026
Details
Minimum loan amount $30,000
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans
5.95%
84 months
▼
APR5.95%
Term84 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1021 1021 Marble Ter, Hoover, AL, 35244
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1021 1021 Marble Ter, Hoover, AL, 35244
Used car rate Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedAug 28, 2026
Details
2
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Standard
6.00%
Up to 3 Years
▼
APR6.00%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
6.00%
6 Years
▼
APR6.00%
Term6 Years
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Used Automobile (3 Years - 9 Years Old)
6.00%
4 Years
▼
APR6.00%
Term4 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (6 model years or older) 36 Months
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Standard Used Auto Loan
6.25%
Up to 3 Years
▼
APR6.25%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1880 Chace Dr, Hoover, AL, 35244 1825
Vehicle Loans
6.25%
76-84 Months
▼
APR6.25%
Term76-84 Months
Last UpdatedAug 28, 2026
Details
As low as; 2024 - 2026
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Autos over five years old
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedAug 28, 2026
Details
1
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Older Used Auto (6 Years and Older)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedAug 28, 2026
Details
3
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans
6.50%
61 - 120 Months
▼
APR6.50%
Term61 - 120 Months
Last UpdatedAug 28, 2026
Details
Your rate may be higher from the above rate, and will be determined after a review of your credit history.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Standard
6.50%
4 Years
▼
APR6.50%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loans
6.50%
61 - 120 Months
▼
APR6.50%
Term61 - 120 Months
Last UpdatedAug 28, 2026
Details
Your rate may be higher from the above rate, and will be determined after a review of your credit history.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1880 Chace Dr, Hoover, AL, 35244 1825
Vehicle Loans
6.50%
49-63 Months
▼
APR6.50%
Term49-63 Months
Last UpdatedAug 28, 2026
Details
As low as; 2017 - 2019
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only - 36 Months
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Used Automobile (3 Years - 9 Years Old)
6.50%
5 Years
▼
APR6.50%
Term5 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (6 model years or older) 48 Months
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
6.55%
84 Months
▼
APR6.55%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 84 Months
6.55%
84 Months
▼
APR6.55%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
6.74%
120 months
▼
APR6.74%
Term120 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Purchase includes purchasing a new or used vehicle or using a free and clear title to finance a loan. We also offer purchase loans on trailers, RVs, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan purchase payment examples: $20,000 at 4.99% APR for 60 months, you would make 60 payments of $378.00 RV payment example: $75,000 at 6.74% APR for 120 months, you would make 120 payments of $862.00.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Standard Used Auto Loan
6.75%
4 Years
▼
APR6.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1880 Chace Dr, Hoover, AL, 35244 1825
Vehicle Loans
6.75%
76-84 Months
▼
APR6.75%
Term76-84 Months
Last UpdatedAug 28, 2026
Details
As low as; 2022 - 2023
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only
6.75%
61 months
▼
APR6.75%
Term61 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only - 61 Months
6.75%
61 months
▼
APR6.75%
Term61 months
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
6.75%
7 Years
▼
APR6.75%
Term7 Years
Last UpdatedAug 28, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
6.79%
60 months
▼
APR6.79%
Term60 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
6.99%
60 months
▼
APR6.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Standard
7.00%
5 Years
▼
APR7.00%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Standard Used Auto Loan
7.25%
5 Years
▼
APR7.25%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Used Automobile (3 Years - 9 Years Old)
7.25%
6 Years
▼
APR7.25%
Term6 Years
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
7.49%
72 months
▼
APR7.49%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Standard
7.50%
6 Years (72 months)
▼
APR7.50%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Standard Used Auto Loan
7.75%
6 Years (72 months)
▼
APR7.75%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Older Used Automobile (10 Years and Older)
7.75%
3 Years
▼
APR7.75%
Term3 Years
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
7.99%
84 months
▼
APR7.99%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
7.99%
60 months
▼
APR7.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Credit Builder
8.00%
Up to 3 Years
▼
APR8.00%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Older Used Automobile (10 Years and Older)
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Credit Builder Used Auto Loan
8.25%
Up to 3 Years
▼
APR8.25%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
8.49%
72 months
▼
APR8.49%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Credit Builder
8.50%
4 Years
▼
APR8.50%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Credit Builder Used Auto Loan
8.75%
4 Years
▼
APR8.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
8.99%
84 months
▼
APR8.99%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Credit Builder
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Credit Builder Used Auto Loan
9.25%
5 Years
▼
APR9.25%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Credit Builder
9.50%
6 Years (72 months)
▼
APR9.50%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Credit Builder Used Auto Loan
9.75%
6 Years (72 months)
▼
APR9.75%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
9.99%
48 months
▼
APR9.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
10.49%
60 months
▼
APR10.49%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
10.99%
72 months
▼
APR10.99%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
10.99%
48 months
▼
APR10.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
11.49%
84 months
▼
APR11.49%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
11.49%
60 months
▼
APR11.49%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
11.99%
72 months
▼
APR11.99%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
12.49%
84 months
▼
APR12.49%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
14.99%
48 months
▼
APR14.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 100% LTV with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
15.49%
60 months
▼
APR15.49%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 100% LTV with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
16.99%
48 months
▼
APR16.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 100% NADA with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
17.49%
48 months
▼
APR17.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 100% LTV with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
17.49%
48 months
▼
APR17.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 100% NADA with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
17.99%
60 months
▼
APR17.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 100% LTV with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
17.99%
60 months
▼
APR17.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 100% NADA with GAP; GPS: Required
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Auto Loans
2.99%
up to 84 Months
▼
APR2.99%
Termup to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - New Never Titled (2021-2022)
3.04%
36*
▼
APR3.04%
Term36*
Last UpdatedAug 28, 2026
Details
As low as
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New Auto/Truck
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
Used Auto/Truck
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - New Never Titled (2021-2022)
3.24%
48*
▼
APR3.24%
Term48*
Last UpdatedAug 28, 2026
Details
As low as
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - Used Previously Titled (2018-2020)
3.24%
36*
▼
APR3.24%
Term36*
Last UpdatedAug 28, 2026
Details
As low as
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
New & Used Autos, Truck, Vans
3.25%
Up to 102 months
▼
APR3.25%
TermUp to 102 months
Last UpdatedAug 28, 2026
Details
As low as
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
up to 72 mos
▼
APR3.25%
Termup to 72 mos
Last UpdatedAug 28, 2026
Details
APR3.25%
Term36 mo
Last UpdatedAug 28, 2026
Details
100% Financing
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - New Never Titled (2021-2022)
3.44%
63*
▼
APR3.44%
Term63*
Last UpdatedAug 28, 2026
Details
As low as
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - Used Previously Titled (2018-2020)
3.44%
48*
▼
APR3.44%
Term48*
Last UpdatedAug 28, 2026
Details
As low as
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
3.49%
up to 36 Months
▼
APR3.49%
Termup to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
APR3.50%
Term48 mo
Last UpdatedAug 28, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Cars and Trucks Loans
3.50%
36 mo
▼
APR3.50%
Term36 mo
Last UpdatedAug 28, 2026
Details
NADA Retail Value Maximum
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - Used Previously Titled (2018-2020)
3.64%
63*
▼
APR3.64%
Term63*
Last UpdatedAug 28, 2026
Details
As low as
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - New Never Titled (2021-2022)
3.74%
75*
▼
APR3.74%
Term75*
Last UpdatedAug 28, 2026
Details
As low as
Max Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
Auto & Vehicle Loans
3.75%
48-month
▼
APR3.75%
Term48-month
Last UpdatedAug 28, 2026
Details
Advertised rate includes 1.00% discount for members with an active MAX checking account open for at least three (3) months and 0.25% discount for qualifying loan-to-value (LTV) rates. Other rates and terms available. Subject to credit approval.
APR3.75%
Term60 mo
Last UpdatedAug 28, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Cars and Trucks Loans
3.75%
48 mo
▼
APR3.75%
Term48 mo
Last UpdatedAug 28, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - Used Previously Titled (2018-2020)
3.94%
75*
▼
APR3.94%
Term75*
Last UpdatedAug 28, 2026
Details
As low as
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Cars, trucks and vans Loan
3.99%
varies
▼
APR3.99%
Termvaries
Last UpdatedAug 28, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
Model Year: 2026 - 2023; Starts at
Powered by
MonitorBankRates
Hoover New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
3.00%
Up to 3 Years
▼
APR3.00%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
3.29%
48 months
▼
APR3.29%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - Up to 24 months
3.49%
Up to 24 months
▼
APR3.49%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
3.50%
4 Years
▼
APR3.50%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
3.75%
5 Years
▼
APR3.75%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
3.79%
60 months
▼
APR3.79%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
4.00%
6 Years (72 months)
▼
APR4.00%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
4.00%
Up to 3 Years
▼
APR4.00%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 48 months
4.24%
48 months
▼
APR4.24%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
4.50%
6.5 Years (78 months)
▼
APR4.50%
Term6.5 Years (78 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
4.50%
4 Years
▼
APR4.50%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New or Used Vehicle 2022 or newer Loan
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
4725 Chace Cir, Hoover, AL, 35244 3700
NEW AUTO
4.60%
63 MONTHS
▼
APR4.60%
Term63 MONTHS
Last UpdatedAug 28, 2026
Details
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
4.75%
5 Years
▼
APR4.75%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Vehicle Loan
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicle 2014 or newer Loan
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicles with over 150,000 Miles - 2014 or Newer Loan
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loan - 36 Months
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loan - 61 Months
4.95%
61 months
▼
APR4.95%
Term61 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans
4.95%
61 months
▼
APR4.95%
Term61 months
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Purchase includes purchasing a new or used vehicle or using a free and clear title to finance a loan. We also offer purchase loans on trailers, RVs, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan purchase payment examples: $20,000 at 4.99% APR for 60 months, you would make 60 payments of $378.00 RV payment example: $75,000 at 6.74% APR for 120 months, you would make 120 payments of $862.00.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans
5.00%
12 - 60 Months
▼
APR5.00%
Term12 - 60 Months
Last UpdatedAug 28, 2026
Details
Your rate may be higher from the above rate, and will be determined after a review of your credit history.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
5.00%
6 Years (72 months)
▼
APR5.00%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
5.29%
96 months
▼
APR5.29%
Term96 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loan - 73 Months
5.45%
73 months
▼
APR5.45%
Term73 months
Last UpdatedAug 28, 2026
Details
Minimum loan amount $20,000
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans
5.45%
73 months
▼
APR5.45%
Term73 months
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Platinum
5.50%
7 Years (84 months)
▼
APR5.50%
Term7 Years (84 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Preferred
5.50%
6.5 Years (78 months)
▼
APR5.50%
Term6.5 Years (78 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedAug 28, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
5.74%
120 months
▼
APR5.74%
Term120 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Refinance is strictly for refinancing a new or used vehicle to EFCU from another financial institution. We will also refinance RVs, trailers, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan refinance payment examples: $20,000 at 3.99% APR for 60 months, you would make 60 payments of $369.00 RV payment example: $75,000 at 5.74% APR for 120 months, you would make 120 payments of $824.00.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Vehicle Loan
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Finance $28,000 or more for 84 months; As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicle 2014 or newer Loan
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Finance amounts of $28,000 or more for 84 months; As Low As
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1021 1021 Marble Ter, Hoover, AL, 35244
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1021 1021 Marble Ter, Hoover, AL, 35244
New car rate Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loan - 84 Months
5.95%
84 months
▼
APR5.95%
Term84 months
Last UpdatedAug 28, 2026
Details
Minimum loan amount $30,000
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans
5.95%
84 months
▼
APR5.95%
Term84 months
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Standard
6.00%
Up to 3 Years
▼
APR6.00%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
6.00%
6 Years
▼
APR6.00%
Term6 Years
Last UpdatedAug 28, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
New Auto
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Current or up to 2 yrs. old
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedAug 28, 2026
Details
1
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans
6.50%
61 - 120 Months
▼
APR6.50%
Term61 - 120 Months
Last UpdatedAug 28, 2026
Details
Your rate may be higher from the above rate, and will be determined after a review of your credit history.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Standard
6.50%
4 Years
▼
APR6.50%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only - 36 Months
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedAug 28, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
6.74%
120 months
▼
APR6.74%
Term120 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Purchase includes purchasing a new or used vehicle or using a free and clear title to finance a loan. We also offer purchase loans on trailers, RVs, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan purchase payment examples: $20,000 at 4.99% APR for 60 months, you would make 60 payments of $378.00 RV payment example: $75,000 at 6.74% APR for 120 months, you would make 120 payments of $862.00.
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only
6.75%
61 months
▼
APR6.75%
Term61 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only - 61 Months
6.75%
61 months
▼
APR6.75%
Term61 months
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
6.75%
7 Years
▼
APR6.75%
Term7 Years
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
6.99%
60 months
▼
APR6.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Standard
7.00%
5 Years
▼
APR7.00%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
7.49%
72 months
▼
APR7.49%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Standard
7.50%
6 Years (72 months)
▼
APR7.50%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match program!
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
7.99%
84 months
▼
APR7.99%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Credit Builder
8.00%
Up to 3 Years
▼
APR8.00%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Credit Builder
8.50%
4 Years
▼
APR8.50%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Credit Builder
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loans Credit Builder
9.50%
6 Years (72 months)
▼
APR9.50%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
9.99%
48 months
▼
APR9.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
10.49%
60 months
▼
APR10.49%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
10.99%
72 months
▼
APR10.99%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
11.49%
84 months
▼
APR11.49%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% LTV with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
14.99%
48 months
▼
APR14.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 100% LTV with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
15.49%
60 months
▼
APR15.49%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 100% LTV with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
17.49%
48 months
▼
APR17.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 100% LTV with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
New Auto Loan
17.99%
60 months
▼
APR17.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 100% LTV with GAP; GPS: Required
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - New Never Titled (2021-2022)
3.04%
36*
▼
APR3.04%
Term36*
Last UpdatedAug 28, 2026
Details
As low as
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New Auto/Truck
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - New Never Titled (2021-2022)
3.24%
48*
▼
APR3.24%
Term48*
Last UpdatedAug 28, 2026
Details
As low as
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
New & Used Autos, Truck, Vans
3.25%
Up to 102 months
▼
APR3.25%
TermUp to 102 months
Last UpdatedAug 28, 2026
Details
As low as
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
up to 72 mos
▼
APR3.25%
Termup to 72 mos
Last UpdatedAug 28, 2026
Details
APR3.25%
Term36 mo
Last UpdatedAug 28, 2026
Details
100% Financing
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - New Never Titled (2021-2022)
3.44%
63*
▼
APR3.44%
Term63*
Last UpdatedAug 28, 2026
Details
As low as
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
3.49%
up to 36 Months
▼
APR3.49%
Termup to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
APR3.50%
Term48 mo
Last UpdatedAug 28, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - New Never Titled (2021-2022)
3.74%
75*
▼
APR3.74%
Term75*
Last UpdatedAug 28, 2026
Details
As low as
APR3.75%
Term60 mo
Last UpdatedAug 28, 2026
Details
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Cars, trucks and vans Loan
3.99%
varies
▼
APR3.99%
Termvaries
Last UpdatedAug 28, 2026
Details
As Low As
Powered by
MonitorBankRates
Hoover Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Platinum Used Auto Loan
3.25%
Up to 3 Years
▼
APR3.25%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - Up to 24 months
3.49%
Up to 24 months
▼
APR3.49%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Platinum Used Auto Loan
3.75%
4 Years
▼
APR3.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 48 months
4.24%
48 months
▼
APR4.24%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Platinum Used Auto Loan
4.25%
5 Years
▼
APR4.25%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Preferred Used Auto Loan
4.25%
Up to 3 Years
▼
APR4.25%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New or Used Vehicle 2022 or newer Loan
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 36 Months
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Platinum Used Auto Loan
4.75%
6 Years (72 months)
▼
APR4.75%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Preferred Used Auto Loan
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicle 2014 or newer Loan
4.75%
Up to 66 Months
▼
APR4.75%
TermUp to 66 Months
Last UpdatedAug 28, 2026
Details
As Low As
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicles with over 150,000 Miles - 2014 or Newer Loan
4.75%
up to 60 Months
▼
APR4.75%
Termup to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 48 Months
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Purchase includes purchasing a new or used vehicle or using a free and clear title to finance a loan. We also offer purchase loans on trailers, RVs, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan purchase payment examples: $20,000 at 4.99% APR for 60 months, you would make 60 payments of $378.00 RV payment example: $75,000 at 6.74% APR for 120 months, you would make 120 payments of $862.00.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 60 Months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loans
5.00%
12 - 60 Months
▼
APR5.00%
Term12 - 60 Months
Last UpdatedAug 28, 2026
Details
Your rate may be higher from the above rate, and will be determined after a review of your credit history.
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 60 Months
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Preferred Used Auto Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
5.25%
61 months
▼
APR5.25%
Term61 months
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
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 UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 72 Months
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
5.74%
120 months
▼
APR5.74%
Term120 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Refinance is strictly for refinancing a new or used vehicle to EFCU from another financial institution. We will also refinance RVs, trailers, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan refinance payment examples: $20,000 at 3.99% APR for 60 months, you would make 60 payments of $369.00 RV payment example: $75,000 at 5.74% APR for 120 months, you would make 120 payments of $824.00.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Preferred Used Auto Loan
5.75%
6 Years (72 months)
▼
APR5.75%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
North Alabama Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Vehicle 2014 or newer Loan
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Finance amounts of $28,000 or more for 84 months; As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
5.75%
73 months
▼
APR5.75%
Term73 months
Last UpdatedAug 28, 2026
Details
Minimum loan amount $20,000
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1021 1021 Marble Ter, Hoover, AL, 35244
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
1021 1021 Marble Ter, Hoover, AL, 35244
Used car rate Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedAug 28, 2026
Details
2
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
6.00%
6 Years
▼
APR6.00%
Term6 Years
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Used Automobile (3 Years - 9 Years Old)
6.00%
4 Years
▼
APR6.00%
Term4 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (6 model years or older) 36 Months
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase - 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details
Rate (APR)* as low as
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Standard Used Auto Loan
6.25%
Up to 3 Years
▼
APR6.25%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedAug 28, 2026
Details
1
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Older Used Auto (6 Years and Older)
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedAug 28, 2026
Details
3
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loans
6.50%
61 - 120 Months
▼
APR6.50%
Term61 - 120 Months
Last UpdatedAug 28, 2026
Details
Your rate may be higher from the above rate, and will be determined after a review of your credit history.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only - 36 Months
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Used Automobile (3 Years - 9 Years Old)
6.50%
5 Years
▼
APR6.50%
Term5 Years
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (6 model years or older) 48 Months
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto (3 model years to 5 model years old)
6.55%
84 Months
▼
APR6.55%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
3746 Lorna Rd, HOOVER, AL, 35216
Used Auto 84 Months
6.55%
84 Months
▼
APR6.55%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As;*
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
6.74%
120 months
▼
APR6.74%
Term120 months
Last UpdatedAug 28, 2026
Details
New/Used Auto Purchase includes purchasing a new or used vehicle or using a free and clear title to finance a loan. We also offer purchase loans on trailers, RVs, motorcycles, boats, ATVs, UTVs, snowmobiles, and jet skis. Motorcycles, ATVs, UTVs, snowmobiles, jet skis have a 2.00% higher APR. Auto loan purchase payment examples: $20,000 at 4.99% APR for 60 months, you would make 60 payments of $378.00 RV payment example: $75,000 at 6.74% APR for 120 months, you would make 120 payments of $862.00.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Standard Used Auto Loan
6.75%
4 Years
▼
APR6.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only
6.75%
61 months
▼
APR6.75%
Term61 months
Last UpdatedAug 28, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2016 & Older) - New Purchase Rate Only - 61 Months
6.75%
61 months
▼
APR6.75%
Term61 months
Last UpdatedAug 28, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
New/Used Automobile (2 Years or Newer)
6.75%
7 Years
▼
APR6.75%
Term7 Years
Last UpdatedAug 28, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
6.79%
60 months
▼
APR6.79%
Term60 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Standard Used Auto Loan
7.25%
5 Years
▼
APR7.25%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Used Automobile (3 Years - 9 Years Old)
7.25%
6 Years
▼
APR7.25%
Term6 Years
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedAug 28, 2026
Details
NJ vehicles only.
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Standard Used Auto Loan
7.75%
6 Years (72 months)
▼
APR7.75%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Older Used Automobile (10 Years and Older)
7.75%
3 Years
▼
APR7.75%
Term3 Years
Last UpdatedAug 28, 2026
Details
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
7.99%
60 months
▼
APR7.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedAug 28, 2026
Details
As low as; Ask about our Auto Loan rate match
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
2700 Corporate Dr Ste 200, Hoover, AL, 35242 2733
Older Used Automobile (10 Years and Older)
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedAug 28, 2026
Details
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Credit Builder Used Auto Loan
8.25%
Up to 3 Years
▼
APR8.25%
TermUp to 3 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
8.49%
72 months
▼
APR8.49%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Credit Builder Used Auto Loan
8.75%
4 Years
▼
APR8.75%
Term4 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
8.99%
84 months
▼
APR8.99%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Credit Builder Used Auto Loan
9.25%
5 Years
▼
APR9.25%
Term5 Years
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
Lanai Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Credit Builder Used Auto Loan
9.75%
6 Years (72 months)
▼
APR9.75%
Term6 Years (72 months)
Last UpdatedAug 28, 2026
Details
Collateral Value: 100% LTV
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
10.99%
48 months
▼
APR10.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
11.49%
60 months
▼
APR11.49%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
11.99%
72 months
▼
APR11.99%
Term72 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
12.49%
84 months
▼
APR12.49%
Term84 months
Last UpdatedAug 28, 2026
Details
LTV: 125% NADA with GAP; GPS: May Use
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
16.99%
48 months
▼
APR16.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 100% NADA with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
17.49%
48 months
▼
APR17.49%
Term48 months
Last UpdatedAug 28, 2026
Details
LTV: 100% NADA with GAP; GPS: Required
HealthPlus Federal Credit Union
Institution Rating:
F2.1 ★ Texas Ratio: 38.77%
2700 Corporate Dr, Hoover, AL, 35242
Used Auto Loan
17.99%
60 months
▼
APR17.99%
Term60 months
Last UpdatedAug 28, 2026
Details
LTV: 100% NADA with GAP; GPS: Required
Tyndall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
Used Auto/Truck
3.24%
36 Months
▼
APR3.24%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - Used Previously Titled (2018-2020)
3.24%
36*
▼
APR3.24%
Term36*
Last UpdatedAug 28, 2026
Details
As low as
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
New & Used Autos, Truck, Vans
3.25%
Up to 102 months
▼
APR3.25%
TermUp to 102 months
Last UpdatedAug 28, 2026
Details
As low as
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
up to 72 mos
▼
APR3.25%
Termup to 72 mos
Last UpdatedAug 28, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - Used Previously Titled (2018-2020)
3.44%
48*
▼
APR3.44%
Term48*
Last UpdatedAug 28, 2026
Details
As low as
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Cars and Trucks Loans
3.50%
36 mo
▼
APR3.50%
Term36 mo
Last UpdatedAug 28, 2026
Details
NADA Retail Value Maximum
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - Used Previously Titled (2018-2020)
3.64%
63*
▼
APR3.64%
Term63*
Last UpdatedAug 28, 2026
Details
As low as
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
Used Cars and Trucks Loans
3.75%
48 mo
▼
APR3.75%
Term48 mo
Last UpdatedAug 28, 2026
Details
AOD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Kasasa Auto Loan - Used Previously Titled (2018-2020)
3.94%
75*
▼
APR3.94%
Term75*
Last UpdatedAug 28, 2026
Details
As low as
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MonitorBankRates
Hoover, AL Auto Loan Rate Trends
Compare local Hoover, AL auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — AL Avg
5.781%
▲ 0.008 vs 7 days ago
Alabama new auto rates rose 0.008 points over the past 7 days to 5.781% APR.
Used Auto Loan — AL Avg
6.305%
▲ 0.338 vs 7 days ago
Alabama used auto rates rose 0.338 points over the past 7 days to 6.305% APR.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Alabama APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.78% APR AL average | Used Auto @ 6.30% APR AL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.46/mo | $292.12/mo | $3.66/mo |
| $25,000 | $480.77/mo | $486.87/mo | $6.10/mo |
| $35,000 | $673.08/mo | $681.62/mo | $8.53/mo |
| $45,000 | $865.39/mo | $876.37/mo | $10.97/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Hoover, Alabama Auto Loan Rate Database
24 Local Lenders Tracked
Banks & Credit Unions
Updated Daily
Our Hoover, Alabama auto loan tables currently track 24 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Hoover, Alabama database right now is 3.00% APR from Lanai Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Hoover, Alabama
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Hoover, Alabama locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Alabama. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment → park it in a Hoover, Alabama high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Hoover, Alabama CD rates lock in a guaranteed return until you’re ready to buy
Hoover, Alabama Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
$57,471
Median Individual Earnings
National avg: $47,340
3.5%
Unemployment Rate
National avg: 4.8%
5.1%
Poverty Rate
National avg: 11.1%
$577/mo
Payment on a $30K / 60-mo Loan
At AL new-auto avg 5.78% APR
A $577 monthly car payment works out to roughly 12.0% of the median individual income in Hoover, Alabama. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Hoover, Alabama — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Hoover, Alabama. We’ve prefilled the APR with today’s AL new-auto average — or click any current rate on the right to apply it instantly.
$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hoover, Alabama auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Hoover, Alabama directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Hoover, Alabama. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Hoover, 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 Hoover, 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 Hoover, 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.
Should I get preapproved for an auto loan before visiting a dealer in Hoover, Alabama?
Yes. A preapproval from a bank or credit union serving Hoover, Alabama gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Hoover, Alabama can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Hoover, Alabama?
Based on our current data, some of the lowest auto loan rates available in Hoover, Alabama include:
- Lanai Federal Credit Union: 3.00% (New Auto Loans Platinum)
- HealthPlus Federal Credit Union: 3.29% (New Auto Loan)
- Electrical Federal Credit Union: 3.49% (New/Used Auto Purchase - Up to 24 months)
- Garden Island Federal Credit Union: 4.49% (New Auto and Used Auto (2 Years Old))
- Legacy Community Federal Credit Union: 4.50% (Vehicle Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Hoover, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026
Hoover, Alabama Rates & Resources
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