Auto Loan Rates in Loxley, Alabama (AL) for May 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 Loxley, Alabama. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Loxley, Alabama include Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 1.71% offering New/Used Auto Refinance at 2.49%, Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, ALA5.0 ★Texas Ratio: 11.42% offering New & Used Autos, Truck, Vans at 2.95%, Alabama State Employees Credit UnionAlabama State Employees Credit UnionA+5.0 ★Texas Ratio: 1.38% offering Auto Loans at 2.99%, Marvel City Federal Credit UnionMarvel City Federal Credit UnionA+5.0 ★Texas Ratio: 1.53% offering NEW Auto Loan at 3.00%, Montgomery VA Federal Credit UnionMontgomery VA Federal Credit UnionA5.0 ★Texas Ratio: 7.22% offering New and Used Auto at 3.25%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Loxley borrowers have access to 33 lenders serving the Alabama area, with auto loan rates as low as 2.49% APR from Electrical Federal Credit Union. 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 Loxley, Alabama. Auto Loan Rates Last Updated and Verified: May 4, 2026
Compare Auto Loan Rates Today in Loxley, Alabama & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.49%
Up to 24 Months
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
New & Used Autos, Truck, Vans
2.95%
102 Months
▼
APR2.95%
Term102 Months
Last UpdatedMay 4, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
2.99%
up to 48
▼
APR2.99%
Termup to 48
Last UpdatedApr 19, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
NEW Auto Loan
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.24%
48 Months
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 100% Financing
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loans
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedApr 25, 2026
Details
Rates as low as 3.49% APR* for 60 months (with Relationship Pricing)
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.49%
Up to 24 months
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New Eco-Friendly Autos
3.49%
up to 36 Months
▼
APR3.49%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; NADA Retail Value Maximum
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New Autos
3.99%
up to 36 Months
▼
APR3.99%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Autos (2024-2020)
3.99%
up to 36 Months
▼
APR3.99%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Auto Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.24%
48 months
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
$20,000
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
New Auto
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedApr 25, 2026
Details
As Low As
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loans
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedApr 27, 2026
Details
As Low As; Monthly payment of $22.80 per $1,000.00 borrowed
APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Auto
4.74%
Up to 84 Months
▼
APR4.74%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 2, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
4.75%
49 to 66
▼
APR4.75%
Term49 to 66
Last UpdatedApr 19, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 60 Month Fixed
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loans
4.75%
49 - 63 Months
▼
APR4.75%
Term49 - 63 Months
Last UpdatedApr 27, 2026
Details
As Low As; Monthly payment of $17.97 per $1,000.00 borrowed
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 36 Months
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 2, 2026
Details
APR4.80%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
APR4.80%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMay 2, 2026
Details
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
APR4.90%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 61 Months
4.95%
61 Months
▼
APR4.95%
Term61 Months
Last UpdatedMay 2, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
$30,000
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
New/ Newer Autos
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 60 Month Fixed
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 25, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 36 months)
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Railroad Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Used car / truck purchase (3 model years & older), 60 month max term.
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
APR5.10%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMay 2, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
5.25%
67 to 78
▼
APR5.25%
Term67 to 78
Last UpdatedApr 19, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 72 Month Fixed
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 25, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loans
5.25%
64-75 Months
▼
APR5.25%
Term64-75 Months
Last UpdatedApr 27, 2026
Details
As Low As; Monthly payment of $15.67 per $1,000.00 borrowed
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 61 Months
5.25%
61 Months
▼
APR5.25%
Term61 Months
Last UpdatedMay 2, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 48 months)
5.25%
Up to 48 months
▼
APR5.25%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 72 Month Fixed
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 25, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 73 Months
5.50%
73 Months
▼
APR5.50%
Term73 Months
Last UpdatedMay 2, 2026
Details
$20,000+
APR5.70%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 2, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 84 Month Fixed
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 25, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 73 Months
5.75%
73 Months
▼
APR5.75%
Term73 Months
Last UpdatedMay 2, 2026
Details
$20,000+
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
5.75%
5 Years
▼
APR5.75%
Term5 Years
Last UpdatedMay 2, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 72 months)
5.90%
Up to 72 months
▼
APR5.90%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 84 Months
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 2, 2026
Details
$30,000+
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Autos (2019-2015)
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 60 months)
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Used Autos
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
APR6.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; (6 model years or older)
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 96 Month Fixed
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedApr 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 84 Month Fixed
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedApr 25, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
6.10%
84 months
▼
APR6.10%
Term84 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
6.10%
84 months
▼
APR6.10%
Term84 months
Last UpdatedMay 2, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
up to 60 Mos.
▼
APR6.24%
Termup to 60 Mos.
Last UpdatedApr 27, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
Auto Loans
6.25%
79 to 84
▼
APR6.25%
Term79 to 84
Last UpdatedApr 19, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedApr 25, 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: 7.46%
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
Legacy Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Vehicle Loans
6.25%
76-84 Months
▼
APR6.25%
Term76-84 Months
Last UpdatedApr 27, 2026
Details
As Low As; Monthly payment of $14.73 per $1,000.00 borrowed
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedMay 2, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Used Automobile
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
APR6.30%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 3 years old)
6.49%
3 Years
▼
APR6.49%
Term3 Years
Last UpdatedMay 2, 2026
Details
APR6.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; (6 model years or older)
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2016 & Older) - 36 Months
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
APR6.55%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.74%
48 months
▼
APR6.74%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto 2025 - 2026
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedApr 19, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2016 & Older) - 61 Months
6.75%
61 Months
▼
APR6.75%
Term61 Months
Last UpdatedMay 2, 2026
Details
$10,000+
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Used Automobile
6.75%
5 Years
▼
APR6.75%
Term5 Years
Last UpdatedMay 2, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.79%
60 months
▼
APR6.79%
Term60 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Auto (2014 & Older)
7.25%
Up to 36 Months
▼
APR7.25%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.49%
48 Months
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Used Automobile
7.50%
6 Years
▼
APR7.50%
Term6 Years
Last UpdatedMay 2, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
7.74%
60 months
▼
APR7.74%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto
7.99%
Up to 36 Months
▼
APR7.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (Used Over 5 years old with loan value of
7.99%
5 Years
▼
APR7.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
$15,000+
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (Used Over 5 years old)
7.99%
5 Years
▼
APR7.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Older Used Automobile
8.00%
3 Years
▼
APR8.00%
Term3 Years
Last UpdatedMay 2, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Older Used Automobile
8.25%
4 Years
▼
APR8.25%
Term4 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
8.49%
72 months
▼
APR8.49%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 2, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
9.24%
90 months
▼
APR9.24%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
9.99%
36 months
▼
APR9.99%
Term36 months
Last UpdatedMay 2, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Used Auto 2016 - 2024
10.25%
72 Months
▼
APR10.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
12.99%
66 months
▼
APR12.99%
Term66 months
Last UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
13.99%
75 months
▼
APR13.99%
Term75 months
Last UpdatedMay 2, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Auto Loan
16.99%
84 months
▼
APR16.99%
Term84 months
Last UpdatedMay 2, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.49%
Up to 24 Months
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
New & Used Autos, Truck, Vans
2.95%
102 Months
▼
APR2.95%
Term102 Months
Last UpdatedMay 4, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
NEW Auto Loan
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedApr 18, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.24%
48 Months
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 100% Financing
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.49%
Up to 24 months
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New Eco-Friendly Autos
3.49%
up to 36 Months
▼
APR3.49%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
New Autos
3.99%
up to 36 Months
▼
APR3.99%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
New Car and Truck Loans
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.24%
48 months
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
$20,000
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.79%
New Auto
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedApr 25, 2026
Details
As Low As
APCO Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
▼
APR4.60%
Term63 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Auto
4.74%
Up to 84 Months
▼
APR4.74%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; New Auto
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 2, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 60 Month Fixed
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 36 Months
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 2, 2026
Details
APR4.80%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMay 2, 2026
Details
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 61 Months
4.95%
61 Months
▼
APR4.95%
Term61 Months
Last UpdatedMay 2, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
$30,000
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
New/ Newer Autos
4.99%
up to 84 months
▼
APR4.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 36 months)
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMay 2, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 72 Month Fixed
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 25, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 48 months)
5.25%
Up to 48 months
▼
APR5.25%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 73 Months
5.50%
73 Months
▼
APR5.50%
Term73 Months
Last UpdatedMay 2, 2026
Details
$20,000+
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 2, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 84 Month Fixed
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 25, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
5.75%
5 Years
▼
APR5.75%
Term5 Years
Last UpdatedMay 2, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 72 months)
5.90%
Up to 72 months
▼
APR5.90%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
New Vehicle Loans (2025-2027) - 84 Months
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 2, 2026
Details
$30,000+
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 60 months)
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 5 years old)
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car 96 Month Fixed
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedApr 25, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loan
6.10%
84 months
▼
APR6.10%
Term84 months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto Loans
6.10%
84 months
▼
APR6.10%
Term84 months
Last UpdatedMay 2, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.25%
72 months
▼
APR6.25%
Term72 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedMay 2, 2026
Details
APR6.30%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; (Current or up to 2 yrs. old)
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto Loan
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Current or up to 2 yrs. old
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (New to 3 years old)
6.49%
3 Years
▼
APR6.49%
Term3 Years
Last UpdatedMay 2, 2026
Details
Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto 2025 - 2026
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedApr 19, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
6.99%
36 Months
▼
APR6.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
New Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.49%
48 Months
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
New Auto Loans
7.50%
7-Year
▼
APR7.50%
Term7-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 2, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
New Outdoor Vehicle Loans
7.99%
60 Months
▼
APR7.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.49%
Up to 24 Months
▼
APR2.49%
TermUp to 24 Months
Last UpdatedApr 25, 2026
Details
As Low As
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 11.42%
New & Used Autos, Truck, Vans
2.95%
102 Months
▼
APR2.95%
Term102 Months
Last UpdatedMay 4, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.24%
48 Months
▼
APR3.24%
Term48 Months
Last UpdatedApr 25, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.49%
Up to 24 months
▼
APR3.49%
TermUp to 24 months
Last UpdatedApr 25, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; NADA Retail Value Maximum
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Autos (2024-2020)
3.99%
up to 36 Months
▼
APR3.99%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2026- 2024
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Marvel City Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Auto Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Used Cars and Trucks Loans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.24%
48 months
▼
APR4.24%
Term48 months
Last UpdatedApr 25, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
$20,000
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 2, 2026
Details
APR4.80%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.90%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 36 Months
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Financing or more
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
$30,000
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New and Used Auto - Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New or Used Car
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 60 Month Fixed
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 25, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 36 months)
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Railroad Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Used car / truck purchase (3 model years & older), 60 month max term.
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 2, 2026
Details
APR5.10%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMay 2, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Refinance
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 2, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 61 Months
5.25%
61 Months
▼
APR5.25%
Term61 Months
Last UpdatedMay 2, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 48 months)
5.25%
Up to 48 months
▼
APR5.25%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 2, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 25, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 72 Month Fixed
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 25, 2026
Details
APR5.70%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 2, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2017-2024) - 73 Months
5.75%
73 Months
▼
APR5.75%
Term73 Months
Last UpdatedMay 2, 2026
Details
$20,000+
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
5.75%
5 Years
▼
APR5.75%
Term5 Years
Last UpdatedMay 2, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - Used (4 year old and older)
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 72 months)
5.90%
Up to 72 months
▼
APR5.90%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Autos (2019-2015)
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
New & Used Autos* (Up to 60 months)
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As
Family Savings Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.34%
Used Autos
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details
Rates subject to credit score, loan term, collateral age/mileage
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
APR6.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; (6 model years or older)
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car 84 Month Fixed
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedApr 25, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New/Used Auto Purchase
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
6.25%
6 Years
▼
APR6.25%
Term6 Years
Last UpdatedMay 2, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Used Automobile
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedMay 2, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto Loans
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto
APR6.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; (6 model years or older)
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.50%
4-Year
▼
APR6.50%
Term4-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2016 & Older) - 36 Months
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
APR6.55%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
6.74%
48 months
▼
APR6.74%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
6.75%
5-Year
▼
APR6.75%
Term5-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Used Vehicle Loans (2016 & Older) - 61 Months
6.75%
61 Months
▼
APR6.75%
Term61 Months
Last UpdatedMay 2, 2026
Details
$10,000+
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Used Automobile
6.75%
5 Years
▼
APR6.75%
Term5 Years
Last UpdatedMay 2, 2026
Details
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.79%
60 months
▼
APR6.79%
Term60 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
New or Used Autos (2021-2027)
6.99%
90 months
▼
APR6.99%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
7.00%
6-Year
▼
APR7.00%
Term6-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
New/Used Automobile
7.00%
7 Years
▼
APR7.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Used Auto (2014 & Older)
7.25%
Up to 36 Months
▼
APR7.25%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.92%
Used Auto Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedApr 25, 2026
Details
As low as; NJ vehicles only.
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Used Automobile
7.50%
6 Years
▼
APR7.50%
Term6 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
7.74%
60 months
▼
APR7.74%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto
7.99%
Up to 36 Months
▼
APR7.99%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Used Auto
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (Used Over 5 years old with loan value of
7.99%
5 Years
▼
APR7.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
$15,000+
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.13%
Autos (Used Over 5 years old)
7.99%
5 Years
▼
APR7.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.46%
Used Auto Loans
8.00%
7-Year
▼
APR8.00%
Term7-Year
Last UpdatedApr 25, 2026
Details
As Low As; Ask about our Auto Loan rate match
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Older Used Automobile
8.00%
3 Years
▼
APR8.00%
Term3 Years
Last UpdatedMay 2, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
Older Used Automobile
8.25%
4 Years
▼
APR8.25%
Term4 Years
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
8.49%
72 months
▼
APR8.49%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 2, 2026
Details
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Used Autos (2020 & older)
9.24%
90 months
▼
APR9.24%
Term90 months
Last UpdatedMay 2, 2026
Details
As Low As
Red Oak Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Used Auto 2016 - 2024
10.25%
72 Months
▼
APR10.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
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MonitorBankRates
Loxley, AL Auto Loan Rate Trends
Compare local Loxley, 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
5.251%
▲ 0.005 vs 7 days ago
Alabama new auto rates rose 0.005 points over the past 7 days to 5.251% APR.
Used Auto Loan — AL Avg
6.220%
▼ 0.043 vs 7 days ago
Alabama used auto rates fell 0.043 points over the past 7 days to 6.220% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Loxley, 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 Loxley, 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 Loxley, Alabama typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Loxley, Alabama?
Based on our current data, some of the lowest auto loan rates available in Loxley, Alabama include:
- Electrical Federal Credit Union: 2.49% (New/Used Auto Refinance)
- Guardian Credit Union Montgomery, AL: 2.95% (New & Used Autos, Truck, Vans)
- Alabama State Employees Credit Union: 2.99% (Auto Loans)
- Marvel City Federal Credit Union: 3.00% (NEW Auto Loan)
- Montgomery VA Federal Credit Union: 3.25% (New and Used Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Loxley, Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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