Oak Grove, Alabama Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Oak Grove, Alabama auto loan rates from lenders serving Alabama range from 2.99% to 5.24% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Oak Grove, Alabama include Alabama State Employees Credit UnionAlabama State Employees Credit UnionA+5.0 ★Texas Ratio: 1.25% offering Auto Loans at 2.99%, Marvel City Federal Credit UnionMarvel City Federal Credit UnionA+5.0 ★Texas Ratio: 1.64% offering New Vehicle Loan at 3.00%, Lanai Federal Credit UnionLanai Federal Credit UnionA+5.0 ★Texas Ratio: 1.09% offering New Auto Loans at 3.00%, Tyndall Federal Credit UnionTyndall Federal Credit UnionA+5.0 ★Texas Ratio: 0.96% offering New Auto/Truck at 3.24%, FEDMONTFEDMONTA+5.0 ★Texas Ratio: 1.17% offering New Car and Truck Loans at 3.25%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Oak Grove borrowers have access to 55 lenders serving the Alabama area, with auto loan rates as low as 2.99% APR from Alabama State Employees Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Oak Grove, Alabama. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Oak Grove, Alabama & Surrounding Area
Oak Grove Auto Loan Rates
As Low As; *
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner). (New Vehicles less than $10,000.00 will be financed no longer than 60 Months)
Grade: Platinum; Collateral Value: 100% LTV
As Low As; Up to one model year old
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
Published APR range: 3.25%-13.00%. 100% Financing
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
Published APR range: 3.50%-14.00%.
Published APR range: 3.50%-14.00%. NADA Retail Value Maximum
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
Grade: Platinum; Collateral Value: 100% LTV
As low as*; *
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
Published APR range: 3.75%-15.00%.
Published APR range: 3.75%-15.00%.
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
Grade: Platinum; Collateral Value: 100% LTV
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
As low as*; *
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As
As Low As; Rates subject to change.
No Payment for 90 days option.^^^ Up to 120% financing with approved credit up to MSRP for most New Autos and up to 100% NADA Retail on Used Autos per the chart below. An auto is considered new if it is a 2026 or 2025 model vehicle with less than 15,000 miles. Qualifying members may elect for the option of "No Payment for 90 days" on qualifying auto loans; however, interest accrues from the date of contract. Other conditions and restrictions may apply on all loan types; and rates and terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for the terms shown. Terms may vary based on the age of the vehicle. Existing New Horizons Credit Unions loans do not qualify for refinancing. Terms and rates are based on an evaluation of applicant's credit and may vary. Other rates and terms are available and may vary depending on amount financed. All loans are subject to credit approval. Use our calculator to estimate loan payments and options. Qualifying members may elect to have " No Payment for 90 Days " on qualifying NHCU Auto Loans; however, interest will accrue from the date of contract. Existing NHCU auto loans do not qualify for this offer or rate. All loans subject to credit approval. Credit Union reserves the right to terminate offer at any time. All rates subject to change. Maximum annual percentage rate shall not exceed 18.00% APR. Existing New Horizons CU loans do not qualify. For comparison purpose, an auto loan at 3.99% APR* a loan amount of $25,000 and a term of 36 months, would have 36 recurring payments of $737.99. Taxes and insurance may cause your payment to be higher. This offer includes new and used cars and trucks. With the no payment for 90 days, interest will accrue from the date of contract. Call 251-316-3240 for details on the no payment for 90-day option and details on our auto loan products. APR = Annual Percentage Rate.
As Low As; New Autos (2026, 2025 w/less than 15,000 miles)
As Low As; Used Autos (2024-2020)
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published APR range: 4.00%-16.00%.
Published APR range: 4.00%-16.00%.
As Low As; Vehicle must be New, no miles and cost more than $25,001.00.
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As low as*; *
As low as
As low as*; *
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as APR
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
As Low As
As Low As; Rates subject to change.
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As low as*; *
As Low As; Current and previous year's models; Actual rates and terms vary based on credit history, loan amount, and collateral
As low as
Published APR range: 4.49% - 17.49%.
Published APR range: 4.49% - 5.49%. As low as
Financing $20,000 or more
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published APR range: 4.49% - 5.49%. As Low As; Vehicles; Closed-end consumer loans qualify for a 1/4% discount with automatic payments unless promotional rate
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
Published APR range: 4.50% - 21.95%. As low as
- Oct 2, 20264.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Rates As Low As; No Payment for 90 Days
As low as; Model Year: 2024 - 2026
Model Year: 2026 - 2023; As Low As; Starts at 4.50%
- Oct 9, 20264.50%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Published APR range: 4.50%-6.75%.
Published APR range: 4.50% - 18.00%*.
Up to 125% financing available for qualified buyers
As Low As; *
Current & prior 2 model years
Published APR range: 4.50%-7.75%. 90% Financing
Term: 6.5 Years (78 months); Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As Low As; Current year + 2 previous years
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; Rates subject to change.
As Low As; Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
As Low As; *
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
As Low As; Up to one model year old
As Low As; Payment:
- Oct 9, 20264.65%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As low as*; *
As low as*; *
As Low As; *
As Low As; Model Year: 2023-2018
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
- Oct 10, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As low as; Model Year: 2024 - 2026
As low as; Model Year: 2022 - 2023
- Sep 29, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Model Year: 2026 - 2023; As Low As; Starts at 4.75%
- Oct 9, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Published APR range: 4.75%-7.00%.
Published APR range: 4.75% - 18.00%*.
As low as *
As low as *
As low as *
Published APR range: 4.75% to 8.00%. Current or Prior Year - less than 10,000 miles
Current & prior 2 model years
Grade: Preferred; Collateral Value: 100% LTV
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
As Low As
As Low As; Rates subject to change.
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
As Low As; *
As Low As; *
As Low As; Model Year: 2023-2018
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; Models 2-6 years old; Actual rates and terms vary based on credit history, loan amount, and collateral
As Low As; Models between 2-6 years old
As Low As; Up to one model year old
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
As low as; Model Year: 2022 - 2023
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As
As low as*; *
As low as
As Low As
As Low As
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.99% - 17.49%.
Published APR range: 4.99% - 17.49%.
Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Finance $20,000 or more for 72 months; Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Finance amounts of $20,000 or more for 72 months; Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Published APR range: 4.99%-7.49%.
Published APR range: 4.99%-7.49%.
Financing $30,000 or more
Published APR range: 4.99% - 11.99%.
As low as
Published APR range: 4.99% - 10.34%.
- Oct 10, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Published APR range: 4.99% - 17.99%; Published rate range: 4.99% - 17.99%. Maximum loan term will depend on the age of collateral and/or the size of the loan. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As low as APR
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
As low as; Rates based on Credit Score. Exact rate quoted at time of approval; Down payment may be required; Longer terms may require a minimum loan amount; Rates and terms are subject to change without notice
Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Model Year: 2022 - 2019; As Low As; Starts at 5.00%
- Oct 9, 20265.00%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Loan example: $30,000.00 at 5.00% APR for 72 months = $484.00 per month.
Credit Score Dependent; Transunion Credit Score: 750 plus
Credit Score Dependent; Transunion Credit Score: 750 plus
As Low As; New (2025 or Newer)
- Oct 9, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
As Low As; New (2025 or Newer)
- Oct 9, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
Published APR range: 5.00% - 18.00%*.
As Low As; *
3 model years & older
Grade: Preferred; Collateral Value: 100% LTV
As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026
As Low As; New Vehicles: 2024 and newer model years with less than 10,000 miles
As Low As
- Oct 5, 20265.10%▲ from 4.95%
- Sep 14, 20264.95%first recorded
Balance: 100% of Purchase Price/Book Value
- Oct 5, 20265.10%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As
As Low As; Current and previous year's models
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As low as*; *
As low as
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As
As low as
As Low As; Minimum $35,000 for 84 Months; Model Year: 2020 - 2026
Oak Grove New Auto Auto Loan Rates
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner). (New Vehicles less than $10,000.00 will be financed no longer than 60 Months)
Grade: Platinum; Collateral Value: 100% LTV
As Low As; Up to one model year old
Published APR range: 3.25%-13.00%. 100% Financing
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
Published APR range: 3.50%-14.00%.
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
Grade: Platinum; Collateral Value: 100% LTV
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
Published APR range: 3.75%-15.00%.
As Low As; Vehicle must be New, less than 3 years old with less than 30,000 miles (with only 1 previous owner).
Grade: Platinum; Collateral Value: 100% LTV
As low as*; *
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As
As Low As; Rates subject to change.
No Payment for 90 days option.^^^ Up to 120% financing with approved credit up to MSRP for most New Autos and up to 100% NADA Retail on Used Autos per the chart below. An auto is considered new if it is a 2026 or 2025 model vehicle with less than 15,000 miles. Qualifying members may elect for the option of "No Payment for 90 days" on qualifying auto loans; however, interest accrues from the date of contract. Other conditions and restrictions may apply on all loan types; and rates and terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for the terms shown. Terms may vary based on the age of the vehicle. Existing New Horizons Credit Unions loans do not qualify for refinancing. Terms and rates are based on an evaluation of applicant's credit and may vary. Other rates and terms are available and may vary depending on amount financed. All loans are subject to credit approval. Use our calculator to estimate loan payments and options. Qualifying members may elect to have " No Payment for 90 Days " on qualifying NHCU Auto Loans; however, interest will accrue from the date of contract. Existing NHCU auto loans do not qualify for this offer or rate. All loans subject to credit approval. Credit Union reserves the right to terminate offer at any time. All rates subject to change. Maximum annual percentage rate shall not exceed 18.00% APR. Existing New Horizons CU loans do not qualify. For comparison purpose, an auto loan at 3.99% APR* a loan amount of $25,000 and a term of 36 months, would have 36 recurring payments of $737.99. Taxes and insurance may cause your payment to be higher. This offer includes new and used cars and trucks. With the no payment for 90 days, interest will accrue from the date of contract. Call 251-316-3240 for details on the no payment for 90-day option and details on our auto loan products. APR = Annual Percentage Rate.
As Low As; New Autos (2026, 2025 w/less than 15,000 miles)
Published APR range: 4.00%-16.00%.
As Low As; Vehicle must be New, no miles and cost more than $25,001.00.
Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As low as*; *
As low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as APR
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
As Low As
As Low As; Rates subject to change.
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As low as*; *
As Low As; Current and previous year's models; Actual rates and terms vary based on credit history, loan amount, and collateral
As low as
Published APR range: 4.49% - 17.49%.
Published APR range: 4.49% - 5.49%. As low as
Financing $20,000 or more
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Published APR range: 4.49% - 5.49%. As Low As; Vehicles; Closed-end consumer loans qualify for a 1/4% discount with automatic payments unless promotional rate
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
Published APR range: 4.50% - 21.95%. As low as
- Oct 2, 20264.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Rates As Low As; No Payment for 90 Days
Published APR range: 4.50%-6.75%.
Up to 125% financing available for qualified buyers
As Low As; *
Current & prior 2 model years
Published APR range: 4.50%-7.75%. 90% Financing
Term: 6.5 Years (78 months); Grade: Platinum; Collateral Value: 100% LTV
Grade: Preferred; Collateral Value: 100% LTV
As Low As; Current year + 2 previous years
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; Rates subject to change.
As Low As; Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
As Low As; *
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
As Low As; Up to one model year old
As Low As; Payment:
- Oct 9, 20264.65%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As low as*; *
As Low As; Model Year: 2023-2018
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
Rates as low as
- Oct 9, 20264.74%▲ from 4.49%
- Sep 21, 20264.49%first recorded
- Oct 10, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Published APR range: 4.75%-7.00%.
As low as *
As low as *
As low as *
Published APR range: 4.75% to 8.00%. Current or Prior Year - less than 10,000 miles
Current & prior 2 model years
Grade: Preferred; Collateral Value: 100% LTV
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As; *
As Low As; Model Year: 2023-2018
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Up to one model year old
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As low as*; *
As low as
As Low As
As Low As
Published APR range: 4.99% - 17.49%.
Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Finance $20,000 or more for 72 months; Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Finance amounts of $20,000 or more for 72 months; Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Published APR range: 4.99%-7.49%.
Published APR range: 4.99%-7.49%.
Financing $30,000 or more
Published APR range: 4.99% - 11.99%.
Published APR range: 4.99% - 17.99%; Published rate range: 4.99% - 17.99%. Maximum loan term will depend on the age of collateral and/or the size of the loan. Monthly payments per $1,000 for up to 24 months at 4.99% APR is $44.23. The actual Annual Percentage Rate (APR) may vary based on the applicant's credit history and underwriting criteria.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Credit Rating: A (700-774); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: A (700-774); LTV: 125% LTV with GAP
Credit Score Dependent; Transunion Credit Score: 750 plus
As Low As; New (2025 or Newer)
- Oct 9, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
As Low As; New (2025 or Newer)
- Oct 9, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
Grade: Preferred; Collateral Value: 100% LTV
As Low As; Fixed APR; Advertised APR assumes excellent credit; Auto Loans effective October 1, 2026
As Low As; New Vehicles: 2024 and newer model years with less than 10,000 miles
As Low As
- Oct 5, 20265.10%▲ from 4.95%
- Sep 14, 20264.95%first recorded
Balance: 100% of Purchase Price/Book Value
- Oct 5, 20265.10%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; Current and previous year's models
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Oak Grove Used Auto Auto Loan Rates
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Published APR range: 3.50%-14.00%. NADA Retail Value Maximum
As low as*; *
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20263.74%▲ from 3.49%
- Sep 20, 20263.49%first recorded
Published APR range: 3.75%-15.00%.
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
No Payment for 90 days option.^^^ Up to 120% financing with approved credit up to MSRP for most New Autos and up to 100% NADA Retail on Used Autos per the chart below. An auto is considered new if it is a 2026 or 2025 model vehicle with less than 15,000 miles. Qualifying members may elect for the option of "No Payment for 90 days" on qualifying auto loans; however, interest accrues from the date of contract. Other conditions and restrictions may apply on all loan types; and rates and terms may be limited by loan amount, credit history, and other factors. Not all collateral items qualify for the terms shown. Terms may vary based on the age of the vehicle. Existing New Horizons Credit Unions loans do not qualify for refinancing. Terms and rates are based on an evaluation of applicant's credit and may vary. Other rates and terms are available and may vary depending on amount financed. All loans are subject to credit approval. Use our calculator to estimate loan payments and options. Qualifying members may elect to have " No Payment for 90 Days " on qualifying NHCU Auto Loans; however, interest will accrue from the date of contract. Existing NHCU auto loans do not qualify for this offer or rate. All loans subject to credit approval. Credit Union reserves the right to terminate offer at any time. All rates subject to change. Maximum annual percentage rate shall not exceed 18.00% APR. Existing New Horizons CU loans do not qualify. For comparison purpose, an auto loan at 3.99% APR* a loan amount of $25,000 and a term of 36 months, would have 36 recurring payments of $737.99. Taxes and insurance may cause your payment to be higher. This offer includes new and used cars and trucks. With the no payment for 90 days, interest will accrue from the date of contract. Call 251-316-3240 for details on the no payment for 90-day option and details on our auto loan products. APR = Annual Percentage Rate.
As Low As; Used Autos (2024-2020)
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Published APR range: 4.00%-16.00%.
As low as*; *
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.24%▲ from 3.99%
- Sep 20, 20263.99%first recorded
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
Published APR range: 4.49% - 17.49%.
Financing $20,000 or more
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
As Low As; Rates quoted as of 10/01/2026
- Oct 8, 20264.49%▲ from 4.24%
- Sep 20, 20264.24%first recorded
Published APR range: 4.50% - 21.95%. As low as
- Oct 2, 20264.50%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Rates As Low As; No Payment for 90 Days
Published APR range: 4.50%-6.75%.
Up to 125% financing available for qualified buyers
Current & prior 2 model years
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
As Low As; Payment:
- Oct 9, 20264.65%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As low as*; *
As Low As; *
As Low As; Model Year: 2023-2018
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
Published APR range: 4.75%-7.00%.
As low as *
As low as *
As low as *
Current & prior 2 model years
Credit Grade: Platinum (credit score 730+); Collateral Value: 100% LTV
Credit Grade: Preferred (credit score 729-680); Collateral Value: 100% LTV
As Low As
As Low As; Rates subject to change.
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
As Low As; *
As Low As; Model Year: 2023-2018
As Low As; Models 2-6 years old; Actual rates and terms vary based on credit history, loan amount, and collateral
As Low As; Models between 2-6 years old
As Low As; Vehicle must be 10 model years old or newer; APR = Annual Percentage Rate
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.99% - 17.49%.
Published APR range: 4.99% - 17.49%.
Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Finance amounts of $20,000 or more for 72 months; Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 21, 20264.75%first recorded
Payment:
- Oct 9, 20264.99%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Published APR range: 4.99%-7.49%.
Published APR range: 4.99%-7.49%.
Financing $30,000 or more
As low as
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As low as APR
Credit Rating: S (775+); LTV: 125% NADA with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% NADA with GAP
Credit Score Dependent; Transunion Credit Score: 750 plus
As Low As; *
3 model years & older
- Oct 5, 20265.10%▲ from 4.95%
- Sep 14, 20264.95%first recorded
As Low As; For older vehicles, call (256) 237-9494 or (800) 637-0299 for current rates. Rates based on creditworthiness and subject to additional underwriting criteria. The following example (s) reflect representative credit terms made available to applicants and are for informational purposes only. They may not reflect the loan amount, term, APR and estimated payment for your loan. Example: Monthly payment for a $25,000 auto loan at 4.65% APR for 36 months is approximately $746.
As low as*; *
As low as
As Low As; Model Year: 2026, 2025, 2024; Mileage less than 30k
As low as
As Low As; Minimum $35,000 for 84 Months; Model Year: 2020 - 2026
Oak Grove, AL Auto Loan Rate Trends
Compare local Oak Grove, 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.
Alabama new auto rates rose 0.070 points over the past 7 days to 5.359% APR.
Alabama used auto rates rose 0.041 points over the past 7 days to 5.859% APR.
Oak Grove, AL Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Alabama figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
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 @ 5.36% APR AL average | Used Auto @ 5.86% APR AL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.54/mo | $289.01/mo | $3.47/mo |
| $25,000 | $475.90/mo | $481.68/mo | $5.78/mo |
| $35,000 | $666.26/mo | $674.36/mo | $8.10/mo |
| $45,000 | $856.62/mo | $867.03/mo | $10.41/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.
How to Get the Best Auto Loan Rate in Oak Grove, Alabama
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Oak Grove, 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.
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.
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.
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.
- Saving up for a bigger down payment: park it in a Oak Grove, 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: Oak Grove, Alabama CD rates lock in a guaranteed return until you’re ready to buy
Alabama Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $571 monthly car payment works out to roughly 16.9% of the median individual income in Alabama. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Oak Grove, 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 to 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 to 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 Oak Grove, 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.
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 Oak Grove, 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 Oak Grove, 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 Oak Grove, 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.
Bad Credit Auto Loans in Oak Grove, Alabama
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Oak Grove, Alabama
How does my credit score affect my car loan rate in Alabama?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Oak Grove, Alabama?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Oak Grove, Alabama?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Oak Grove, Alabama?
- Alabama State Employees Credit Union: 2.99% (Auto Loans)
- Marvel City Federal Credit Union: 3.00% (New Vehicle Loan)
- Lanai Federal Credit Union: 3.00% (New Auto Loans)
- Tyndall Federal Credit Union: 3.24% (New Auto/Truck)
- FEDMONT: 3.25% (New Car and Truck Loans)
Oak Grove, Alabama Rates & Resources
