Auto Loan Rates in Ray City, Georgia (GA) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Ray City, Georgia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Ray City, Georgia include First Commerce Credit UnionFirst Commerce Credit Union860 Patten Ave, Ray City, GA, 31645A+5.0 ★Texas Ratio: 4.91% offering New Auto Loan at 5.24%, CDC Federal Credit UnionCDC Federal Credit UnionA+5.0 ★Texas Ratio: 4.26% offering New Auto at 2.50%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Credit Union Of AtlantaCredit Union Of AtlantaA5.0 ★Texas Ratio: 7.29% offering New Vehicles at 3.49%, Credit Union of GeorgiaCredit Union of GeorgiaA+5.0 ★Texas Ratio: 5.89% offering New Vehicle Loans at 3.49%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Ray City has 1 local institution in our database, with auto loan rates as low as 5.24% APR from First Commerce Credit Union at 860 Patten Ave, Ray City, GA, 31645. 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 Ray City, Georgia. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Ray City, Georgia & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
New Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
Bay; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 12, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedMay 12, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedMay 12, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedMay 12, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedMay 12, 2026
Details
FL; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedMay 12, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedMay 12, 2026
Details
FL; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
7.24%
84 months
▼
APR7.24%
Term84 months
Last UpdatedMay 12, 2026
Details
GA; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
New Auto Loan
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
Bay; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
Auto Loan
7.99%
84 months
▼
APR7.99%
Term84 months
Last UpdatedMay 12, 2026
Details
Bay; As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
2.50%
0-24 Months
▼
APR2.50%
Term0-24 Months
Last UpdatedMay 6, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
2.70%
0-24 Months
▼
APR2.70%
Term0-24 Months
Last UpdatedMay 6, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
3.40%
61-72 Months
▼
APR3.40%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
New Vehicles
3.49%
12-24
▼
APR3.49%
Term12-24
Last UpdatedMay 10, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.49%
0-36
▼
APR3.49%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
▼
APR3.50%
Term24 Months+
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
3.60%
61-72 Months
▼
APR3.60%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
USED AUTOS (1-3 YEARS OLD)
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
▼
APR3.75%
Term24 Months+
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.79%
37-48
▼
APR3.79%
Term37-48
Last UpdatedMay 12, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; to 16.45%*
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
New Vehicles
3.99%
25-36
▼
APR3.99%
Term25-36
Last UpdatedMay 10, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2016- Present
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedMay 10, 2026
Details
As Low As; months
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.99%
49-60
▼
APR3.99%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
3.99%
0-36
▼
APR3.99%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
4.00%
0-24 Months
▼
APR4.00%
Term0-24 Months
Last UpdatedMay 6, 2026
Details
As Low As; Best APR
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.00%
60 Months±
▼
APR4.00%
Term60 Months±
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
4.20%
0-24 Months
▼
APR4.20%
Term0-24 Months
Last UpdatedMay 6, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.25%
72 Months§
▼
APR4.25%
Term72 Months§
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
▼
APR4.25%
Term60 Months±
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
New Vehicles
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 10, 2026
Details
over $25,000
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles
4.29%
25-36
▼
APR4.29%
Term25-36
Last UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2016- Present
4.29%
25-36
▼
APR4.29%
Term25-36
Last UpdatedMay 10, 2026
Details
As Low As; months
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.29%
37-48
▼
APR4.29%
Term37-48
Last UpdatedMay 12, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.39%
49-60
▼
APR4.39%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
4.40%
73-84 Months
▼
APR4.40%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.49%
61-72
▼
APR4.49%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (Current up to 3 Years Old)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedMay 6, 2026
Details
As Low As
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
New Vehicles
4.54%
73-84
▼
APR4.54%
Term73-84
Last UpdatedMay 10, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles
4.54%
61-72
▼
APR4.54%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2016- Present
4.54%
61-72
▼
APR4.54%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As; months
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
4.60%
73-84 Months
▼
APR4.60%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
▼
APR4.60%
Term63 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
4.65%
72 Months
▼
APR4.65%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.75%
84 Monthsƒ
▼
APR4.75%
Term84 Monthsƒ
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
▼
APR4.75%
Term72 Months§
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles
4.79%
73-84
▼
APR4.79%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2016- Present
4.79%
73-84
▼
APR4.79%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; months
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.79%
61-72
▼
APR4.79%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
4.90%
61-72 Months
▼
APR4.90%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Best APR
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
4.95%
66 Months
▼
APR4.95%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As; to 17.20%*
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.99%
73-84
▼
APR4.99%
Term73-84
Last UpdatedMay 12, 2026
Details
As Low As
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (Current up to 3 Years Old)
5.00%
3 Years
▼
APR5.00%
Term3 Years
Last UpdatedMay 6, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
USED AUTOS (1-3 YEARS OLD)
5.00%
66 Months
▼
APR5.00%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Auto (Never Been Titled) Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
5.10%
61-72 Months
▼
APR5.10%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; to 13.45%*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used 2019-2023 Autos, Trucks, Vans
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
USED AUTOS (1-3 YEARS OLD)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.29%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.29%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMay 6, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.01%
New Vehicles
5.49%
36, 60, 72 or 84
▼
APR5.49%
Term36, 60, 72 or 84
Last UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 6, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.59%
84 Months
▼
APR5.59%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
5.65%
84 Months
▼
APR5.65%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1
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 UpdatedMay 7, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used 2019-2023 Autos, Trucks, Vans
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (4 Years or Older)
5.75%
4 Years
▼
APR5.75%
Term4 Years
Last UpdatedMay 6, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
5.90%
73-84 Months
▼
APR5.90%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Best APR
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.90%
66 Months
▼
APR5.90%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Auto Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
5.99%
36 Months - 60 Months
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
USED AUTOS (1-3 YEARS OLD)
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (4-5 Years Old)
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
6.10%
73-84 Months
▼
APR6.10%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
6.15%
72 Months
▼
APR6.15%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (4 Years or Older)
6.25%
4 Years
▼
APR6.25%
Term4 Years
Last UpdatedMay 6, 2026
Details
As Low As
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Used Car
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
2022-2019
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.39%
36 Months
▼
APR6.39%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; to 17.20%*
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (4-5 Years Old)
6.50%
66 Months
▼
APR6.50%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.50%
84 Months - 96 Months
▼
APR6.50%
Term84 Months - 96 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedMay 6, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Used Car
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
2018-2014
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.79%
48 Months
▼
APR6.79%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.80%
48 Months
▼
APR6.80%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
6.84%
Up to 36 months
▼
APR6.84%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - less than 100,000 Miles
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (4-5 Years Old)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
7.15%
84 Months
▼
APR7.15%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.50%
66 Months
▼
APR7.50%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
7.59%
60 Months
▼
APR7.59%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
7.74%
72 months
▼
APR7.74%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 6-8 Years Old
7.75%
36 Months
▼
APR7.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
7.89%
96 months
▼
APR7.89%
Term96 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
7.94%
84 months
▼
APR7.94%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 6-8 Years Old
7.95%
48 Months
▼
APR7.95%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedMay 6, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
8.09%
72 Months
▼
APR8.09%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (6-11 Years Old)
8.20%
11 Years
▼
APR8.20%
Term11 Years
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 6-8 Years Old
8.35%
60 Months
▼
APR8.35%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - greater than 100,000 Miles
9.00%
72 Months
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details
up to 72 months
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.00%
36 Months
▼
APR9.00%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.25%
48 Months
▼
APR9.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.85%
60 Months
▼
APR9.85%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.10%
66 Months
▼
APR10.10%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.40%
72 Months
▼
APR10.40%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
11.90%
84 Months
▼
APR11.90%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (Current up to 3 Years Old)
14.50%
3 Years
▼
APR14.50%
Term3 Years
Last UpdatedMay 6, 2026
Details
Artesian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.12%
Vehicle Loans (Current up to 3 Years Old)
15.00%
3 Years
▼
APR15.00%
Term3 Years
Last UpdatedMay 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
16.95%
66 Months
▼
APR16.95%
Term66 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.10%
36 Months
▼
APR17.10%
Term36 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.20%
48 Months
▼
APR17.20%
Term48 Months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
New Auto Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
Bay; As Low As
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
860 Patten Ave, Ray City, GA, 31645
New Auto Loan
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
Bay; As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
2.50%
0-24 Months
▼
APR2.50%
Term0-24 Months
Last UpdatedMay 6, 2026
Details
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
3.40%
61-72 Months
▼
APR3.40%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
New Vehicles
3.49%
12-24
▼
APR3.49%
Term12-24
Last UpdatedMay 10, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.49%
0-36
▼
APR3.49%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
3.50%
24 Months+
▼
APR3.50%
Term24 Months+
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
▼
APR3.75%
Term24 Months+
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.79%
37-48
▼
APR3.79%
Term37-48
Last UpdatedMay 12, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; to 16.45%*
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
New Vehicles
3.99%
25-36
▼
APR3.99%
Term25-36
Last UpdatedMay 10, 2026
Details
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
3.99%
49-60
▼
APR3.99%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
4.00%
0-24 Months
▼
APR4.00%
Term0-24 Months
Last UpdatedMay 6, 2026
Details
As Low As; Best APR
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.00%
60 Months±
▼
APR4.00%
Term60 Months±
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.25%
72 Months§
▼
APR4.25%
Term72 Months§
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
▼
APR4.25%
Term60 Months±
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
New Vehicles
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 10, 2026
Details
over $25,000
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
4.40%
73-84 Months
▼
APR4.40%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.49%
61-72
▼
APR4.49%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
New Vehicles
4.54%
73-84
▼
APR4.54%
Term73-84
Last UpdatedMay 10, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
NEW AUTO
4.60%
63 Months
▼
APR4.60%
Term63 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
4.65%
72 Months
▼
APR4.65%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
New Auto (Model Year 2025 or newer)
4.75%
84 Monthsƒ
▼
APR4.75%
Term84 Monthsƒ
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
▼
APR4.75%
Term72 Months§
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
4.90%
61-72 Months
▼
APR4.90%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Best APR
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
4.95%
66 Months
▼
APR4.95%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As; to 17.20%*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
New Vehicle Loans
4.99%
73-84
▼
APR4.99%
Term73-84
Last UpdatedMay 12, 2026
Details
As Low As
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
New Auto (Never Been Titled) Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
5.20%
72 Months
▼
APR5.20%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; to 13.45%*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Bond Community Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.01%
New Vehicles
5.49%
36, 60, 72 or 84
▼
APR5.49%
Term36, 60, 72 or 84
Last UpdatedMay 7, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
NEW CAR LOANS (2025 AND NEWER)
5.59%
84 Months
▼
APR5.59%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
NEW & CURRENT MODEL AUTOS (UNDER 15,000 MILES)
5.65%
84 Months
▼
APR5.65%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1
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 UpdatedMay 7, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Auto
5.90%
73-84 Months
▼
APR5.90%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Best APR
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
5.99%
36 Months - 60 Months
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
New Automobile - Current Year (Less Than 15,000 miles)
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; to 17.20%*
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
New Car
6.50%
84 Months - 96 Months
▼
APR6.50%
Term84 Months - 96 Months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
2.70%
0-24 Months
▼
APR2.70%
Term0-24 Months
Last UpdatedMay 6, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
3.60%
61-72 Months
▼
APR3.60%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
USED AUTOS (1-3 YEARS OLD)
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
▼
APR3.75%
Term24 Months+
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2016- Present
3.99%
12-24
▼
APR3.99%
Term12-24
Last UpdatedMay 10, 2026
Details
As Low As; months
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
3.99%
0-36
▼
APR3.99%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
APR4.00%
Term48 Months~
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
4.20%
0-24 Months
▼
APR4.20%
Term0-24 Months
Last UpdatedMay 6, 2026
Details
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.25%
60 Months±
▼
APR4.25%
Term60 Months±
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles
4.29%
25-36
▼
APR4.29%
Term25-36
Last UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2016- Present
4.29%
25-36
▼
APR4.29%
Term25-36
Last UpdatedMay 10, 2026
Details
As Low As; months
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.29%
37-48
▼
APR4.29%
Term37-48
Last UpdatedMay 12, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.39%
49-60
▼
APR4.39%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles
4.54%
61-72
▼
APR4.54%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2016- Present
4.54%
61-72
▼
APR4.54%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As; months
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
4.60%
73-84 Months
▼
APR4.60%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.69%
36 Months
▼
APR4.69%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
4.75%
72 Months§
▼
APR4.75%
Term72 Months§
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles
4.79%
73-84
▼
APR4.79%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta
Institution Rating:
A5.0 ★ Texas Ratio: 7.29%
Used Vehicles 2016- Present
4.79%
73-84
▼
APR4.79%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; months
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
4.79%
61-72
▼
APR4.79%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
USED AUTOS (1-3 YEARS OLD)
5.00%
66 Months
▼
APR5.00%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
5.10%
61-72 Months
▼
APR5.10%
Term61-72 Months
Last UpdatedMay 6, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used 2019-2023 Autos, Trucks, Vans
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
USED AUTOS (1-3 YEARS OLD)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.29%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.29%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Credit Union of Georgia
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
Used Vehicle Loans
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedMay 12, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.65%
60 Months
▼
APR5.65%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used 2019-2023 Autos, Trucks, Vans
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
The Southern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.35%
Used Auto (Model Year 2016 or newer)
5.75%
84 Monthsƒ
▼
APR5.75%
Term84 Monthsƒ
Last UpdatedMay 12, 2026
Details
Tesla financing requires 20% equity
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Car Loan
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2022-2024)
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
5.90%
66 Months
▼
APR5.90%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Southern Pine Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.05%
Used Auto Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
USED AUTOS (1-3 YEARS OLD)
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (4-5 Years Old)
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Auto
6.10%
73-84 Months
▼
APR6.10%
Term73-84 Months
Last UpdatedMay 6, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
6.15%
72 Months
▼
APR6.15%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Used Car
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
2022-2019
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.39%
36 Months
▼
APR6.39%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (4-5 Years Old)
6.50%
66 Months
▼
APR6.50%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedMay 6, 2026
Details
Glynn County Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Used Car
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
2018-2014
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
6.79%
48 Months
▼
APR6.79%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
6.80%
48 Months
▼
APR6.80%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - less than 100,000 Miles
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (4-5 Years Old)
7.00%
72 Months
▼
APR7.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile Current Year+ 1-3 Years Old
7.15%
84 Months
▼
APR7.15%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
7.50%
66 Months
▼
APR7.50%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
7.59%
60 Months
▼
APR7.59%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 6-8 Years Old
7.75%
36 Months
▼
APR7.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 6-8 Years Old
7.95%
48 Months
▼
APR7.95%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Coca Cola Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
USED CAR LOANS (2015-2021)
8.09%
72 Months
▼
APR8.09%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Combined Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Used Autos (6-11 Years Old)
8.20%
11 Years
▼
APR8.20%
Term11 Years
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 6-8 Years Old
8.35%
60 Months
▼
APR8.35%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - greater than 100,000 Miles
9.00%
72 Months
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details
up to 72 months
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.00%
36 Months
▼
APR9.00%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.25%
48 Months
▼
APR9.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
9.85%
60 Months
▼
APR9.85%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.10%
66 Months
▼
APR10.10%
Term66 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
10.40%
72 Months
▼
APR10.40%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 9 Years & Older
11.90%
84 Months
▼
APR11.90%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
16.95%
66 Months
▼
APR16.95%
Term66 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.10%
36 Months
▼
APR17.10%
Term36 Months
Last UpdatedMay 10, 2026
Details
CGR Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Used Automobile 4-5 Years Old
17.20%
48 Months
▼
APR17.20%
Term48 Months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Ray City, GA Auto Loan Rate Trends
Compare local Ray City, GA 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 — GA Avg
4.672%
▲ 0.280 vs 7 days ago
Georgia new auto rates rose 0.280 points over the past 7 days to 4.672% APR.
Used Auto Loan — GA Avg
6.078%
▲ 0.192 vs 7 days ago
Georgia used auto rates rose 0.192 points over the past 7 days to 6.078% APR.
As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Ray City, Georgia
How does my credit score affect my car loan rate in Georgia?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Ray City, Georgia 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 Georgia *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 Ray City, Georgia 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 Ray City, Georgia?
Based on our current data, some of the lowest auto loan rates available in Ray City, Georgia include:
- First Commerce Credit Union: 5.24% (New Auto Loan)
- CDC Federal Credit Union: 2.50% (New Auto)
- Baxter Credit Union: 3.24% (Auto Loans)
- Credit Union Of Atlanta: 3.49% (New Vehicles)
- Credit Union of Georgia: 3.49% (New Vehicle Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ray City, Georgia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking