Tollesboro, Kentucky Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Tollesboro, Kentucky. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Tollesboro, Kentucky include The Health And Education Federal Credit UnionThe Health And Education Federal Credit UnionA+5.0 ★Texas Ratio: 0.63% offering New Auto at 3.99%, Bluegrass Community Federal Credit UnionBluegrass Community Federal Credit UnionA-4.9 ★Texas Ratio: 16.22% offering Auto Loans at 3.99%, University of Kentucky Federal Credit UnionUniversity of Kentucky Federal Credit UnionA5.0 ★Texas Ratio: 6.36% offering New/Used Vehicle - Terms 36 Months or Less Loan at 3.99%, CLASS ACTCLASS ACTA+5.0 ★Texas Ratio: 2.25% offering Auto Loan - 2022 or newer at 3.99%, Morehead Community Federal Credit UnionMorehead Community Federal Credit UnionA+5.0 ★Texas Ratio: 1.07% offering New Auto Loan at 4.00%. Auto loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Tollesboro borrowers have access to 22 lenders serving the Kentucky area, with auto loan rates as low as 3.99% APR from The Health And Education Federal 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 Tollesboro, Kentucky. Auto Loan Rates Last Updated and Verified: September 9, 2026
Compare Auto Loan Rates Today in Tollesboro, Kentucky & Surrounding Area
Tollesboro Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedSep 4, 2026
Details
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto
3.99%
Varies
▼
APR3.99%
TermVaries
Last UpdatedSep 4, 2026
Details
Bluegrass Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.22%
Auto Loans
3.99%
up to 89 Months
▼
APR3.99%
Termup to 89 Months
Last UpdatedSep 4, 2026
Details
As Low As; Refinancing
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
▼
APR3.99%
Term36 Months or Less
Last UpdatedSep 4, 2026
Details
As low as; *
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2022 or newer
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
APR3.99%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
Model Year 2022 or newer; Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
4.00%
24-month
▼
APR4.00%
Term24-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2017 - 2021
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
APR4.24%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
Model Year 2017 - 2021; Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Vehicle Loan (2017 - 2021)
4.24%
UP TO 48 MONTHS
▼
APR4.24%
TermUP TO 48 MONTHS
Last UpdatedSep 3, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
4.25%
36-month
▼
APR4.25%
Term36-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedSep 4, 2026
Details
As Low As
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedSep 4, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedSep 4, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2016 or older
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2022 or newer
4.49%
49 - 60 Months
▼
APR4.49%
Term49 - 60 Months
Last UpdatedSep 3, 2026
Details
APR4.49%
Term49 - 60 Months
Last UpdatedSep 3, 2026
Details
Model Year 2022 or newer; Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
4.50%
24-month
▼
APR4.50%
Term24-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Auto
4.69%
up to 48 Months
▼
APR4.69%
Termup to 48 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Newer (2024 - 2027) Auto Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedSep 5, 2026
Details
As Low As; Newer (2024 - 2027)
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Vehicle Loans
4.74%
6-year
▼
APR4.74%
Term6-year
Last UpdatedSep 4, 2026
Details
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.74% is $402.08 on a $25,000.00 loan with a 6-year term.
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59 Months
▼
APR4.74%
Term0 - 59 Months
Last UpdatedSep 4, 2026
Details
As Low As;*
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2017 - 2021
4.74%
49 - 60 Months
▼
APR4.74%
Term49 - 60 Months
Last UpdatedSep 3, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2022 or newer
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 3, 2026
Details
APR4.74%
Term61 - 72 Months
Last UpdatedSep 3, 2026
Details
Model Year 2022 or newer; Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Vehicle Loan (2017 - 2021)
4.74%
49-60 MONTHS
▼
APR4.74%
Term49-60 MONTHS
Last UpdatedSep 3, 2026
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Auto Loan 2021-2024
4.75%
Up to 36 Mos
▼
APR4.75%
TermUp to 36 Mos
Last UpdatedSep 4, 2026
Details
For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.; APR range: 4.75% - 15.00%; RATE range: 4.75% - 15.00%
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
4.75%
60-month
▼
APR4.75%
Term60-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
4.75%
36-month
▼
APR4.75%
Term36-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Auto
4.79%
up to 60 Months
▼
APR4.79%
Termup to 60 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Auto Loan
4.94%
up to 78 months
▼
APR4.94%
Termup to 78 months
Last UpdatedSep 3, 2026
Details
Refinance APR as low as**
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedSep 4, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Newer (2024 - 2027) Auto Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 5, 2026
Details
As Low As; Newer (2024 - 2027)
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedSep 4, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74 Months
▼
APR4.99%
Term60 - 74 Months
Last UpdatedSep 4, 2026
Details
As Low As;*
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
▼
APR4.99%
Term37 to 66 Months
Last UpdatedSep 4, 2026
Details
As low as; *
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Auto
4.99%
up to 48 Months
▼
APR4.99%
Termup to 48 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2016 or older
4.99%
49 - 60 Months
▼
APR4.99%
Term49 - 60 Months
Last UpdatedSep 3, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2017 - 2021
4.99%
61 - 72 Months
▼
APR4.99%
Term61 - 72 Months
Last UpdatedSep 3, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2022 or newer
4.99%
73 - 84 Months
▼
APR4.99%
Term73 - 84 Months
Last UpdatedSep 3, 2026
Details
APR4.99%
Term73 - 84 Months
Last UpdatedSep 3, 2026
Details
Model Year 2022 or newer; Rates shown reflect .25% discount for automatic payment discount and on 2022 or newer models.
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Vehicle Loan (2017 - 2021)
4.99%
61-72 MONTHS
▼
APR4.99%
Term61-72 MONTHS
Last UpdatedSep 3, 2026
Details
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Auto Loan 2021-2024
5.00%
Up to 60 Mos
▼
APR5.00%
TermUp to 60 Mos
Last UpdatedSep 4, 2026
Details
For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.; APR range: 5.00% - 15.50%; RATE range: 5.00% - 15.50%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 60 Mos Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
5.00%
48-month
▼
APR5.00%
Term48-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Auto
5.09%
up to 60 Months
▼
APR5.09%
Termup to 60 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used (2020 - 2023) Auto Loan
5.24%
up to 48 months
▼
APR5.24%
Termup to 48 months
Last UpdatedSep 5, 2026
Details
As Low As; Used (2020 - 2023)
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Auto Loans
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedAug 31, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Auto Loan
5.24%
up to 78 months
▼
APR5.24%
Termup to 78 months
Last UpdatedSep 3, 2026
Details
Purchase APR as low as*
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Auto Loan 2021-2024
5.25%
Up to72 Mos
▼
APR5.25%
TermUp to72 Mos
Last UpdatedSep 4, 2026
Details
For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.; APR range: 5.25% - 16.00%; RATE range: 5.25% - 16.00%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 72 Mos Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 4, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto
5.25%
63 Months
▼
APR5.25%
Term63 Months
Last UpdatedSep 4, 2026
Details
As Low As; New Auto 2025-2026
Daviess County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Vehicle Loan (2022-2020)
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedSep 4, 2026
Details
Term: 48 months, 60 months, 72 months; As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
5.25%
72-month
▼
APR5.25%
Term72-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
5.25%
60-month
▼
APR5.25%
Term60-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Kemba Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
Vehicle Loan (2025-2026)
5.39%
Up to 63 Months
▼
APR5.39%
TermUp to 63 Months
Last UpdatedAug 31, 2026
Details
As Low As;*
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used (2020 - 2023) Auto Loan
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedSep 5, 2026
Details
As Low As; Used (2020 - 2023)
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
NEW Auto Loan
5.49%
Up to 63 mos.
▼
APR5.49%
TermUp to 63 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2025-2027
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - New - 2025 - Newer Loan
5.49%
Up to 54 months
▼
APR5.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Newer Auto Loan
5.49%
Up to 54 months
▼
APR5.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2025 - Newer
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.49%
67 to 75 Months
▼
APR5.49%
Term67 to 75 Months
Last UpdatedSep 4, 2026
Details
As low as; *
APR5.49%
Term1-48 months
Last UpdatedAug 31, 2026
Details
Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 31, 2026
Details
Reflects AutoPay .25% deduction
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Auto Loan 2021-2024
5.50%
Up to 84 Mos
▼
APR5.50%
TermUp to 84 Mos
Last UpdatedSep 4, 2026
Details
For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.; APR range: 5.50% - 9.00%; RATE range: 5.50% - 9.00%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 60 Mos Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 60 Mos Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedSep 4, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedSep 4, 2026
Details
As Low As; New Auto 2025-2026
Daviess County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Vehicle Loan (2022-2020)
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 4, 2026
Details
Term: 48 months, 60 months, 72 months; As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Auto
5.69%
up to 84 Months
▼
APR5.69%
Termup to 84 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Newer (2024 - 2027) Auto Loan
5.74%
up to 72 months
▼
APR5.74%
Termup to 72 months
Last UpdatedSep 5, 2026
Details
As Low As; Newer (2024 - 2027)
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
5.74%
Up to 54 months
▼
APR5.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - New - 2025 - Newer Loan
5.74%
55 - 66 months
▼
APR5.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
5.74%
Up to 54 months
▼
APR5.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Newer Auto Loan
5.74%
55 - 66 months
▼
APR5.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2025 - Newer
APR5.74%
Term49-63 months
Last UpdatedAug 31, 2026
Details
Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term
APR5.74%
Term1-48 months
Last UpdatedAug 31, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Auto Loan
5.74%
up to 89 months
▼
APR5.74%
Termup to 89 months
Last UpdatedSep 3, 2026
Details
Purchase APR as low as*
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
USED Auto Loan
5.75%
Up to 63 mos.
▼
APR5.75%
TermUp to 63 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2024-2026
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Auto Loan 2017-2020
5.75%
Up to 48 Mos
▼
APR5.75%
TermUp to 48 Mos
Last UpdatedSep 4, 2026
Details
For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.; APR range: 5.75% - 16.50%; RATE range: 5.75% - 16.50%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 72 Mos Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 84 Mos Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 4, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
As Low As; New Auto 2025-2026
Daviess County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Vehicle Loan (2019-2017)
5.75%
48 months, 60 months
▼
APR5.75%
Term48 months, 60 months
Last UpdatedSep 4, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
5.75%
84-month
▼
APR5.75%
Term84-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
5.75%
72-month
▼
APR5.75%
Term72-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Metro Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Autos New and Used
5.79%
Multiple terms available
▼
APR5.79%
TermMultiple terms available
Last UpdatedSep 3, 2026
Details
100% Financing.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedSep 4, 2026
Details
As Low As
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Auto Loan
5.94%
up to 60 months
▼
APR5.94%
Termup to 60 months
Last UpdatedSep 3, 2026
Details
As Low As;*
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
5.99%
55 - 66 months
▼
APR5.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - New - 2025 - Newer Loan
5.99%
67 - 781 months
▼
APR5.99%
Term67 - 781 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
5.99%
55 - 66 months
▼
APR5.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Newer Auto Loan
5.99%
67 - 78 months
▼
APR5.99%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2025 - Newer; 1
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Auto Loans
5.99%
49 - 60 Months
▼
APR5.99%
Term49 - 60 Months
Last UpdatedAug 31, 2026
Details
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Auto Loans
5.99%
1-36 Months
▼
APR5.99%
Term1-36 Months
Last UpdatedSep 3, 2026
Details
As Low As
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Auto
5.99%
up to 72 Months
▼
APR5.99%
Termup to 72 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Auto Loan 2017-2020
6.00%
Up to 60 Mos
▼
APR6.00%
TermUp to 60 Mos
Last UpdatedSep 4, 2026
Details
For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.; APR range: 6.00% - 16.50%; RATE range: 6.00% - 16.50%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 60 Mos Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Vehicle Loan
6.00%
63 Months
▼
APR6.00%
Term63 Months
Last UpdatedSep 4, 2026
Details
2023-2024
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Auto Loan
6.09%
up to 99 months
▼
APR6.09%
Termup to 99 months
Last UpdatedSep 3, 2026
Details
Refinance APR as low as**
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
6.24%
67 - 78 months
▼
APR6.24%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 1
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - New - 2025 - Newer Loan
6.24%
79 - 842 months
▼
APR6.24%
Term79 - 842 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
6.24%
67 - 78 months
▼
APR6.24%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 1
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Newer Auto Loan
6.24%
79 - 84 months
▼
APR6.24%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2025 - Newer; 2
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 76 to 84 Months Loan
6.24%
76 to 84 Months
▼
APR6.24%
Term76 to 84 Months
Last UpdatedSep 4, 2026
Details
As low as; *
APR6.24%
Term64-75 months
Last UpdatedAug 31, 2026
Details
Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term
APR6.24%
Term49-63 months
Last UpdatedAug 31, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Auto Loan
6.24%
up to 75 months
▼
APR6.24%
Termup to 75 months
Last UpdatedSep 3, 2026
Details
As Low As;*
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 72 Mos Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 84 Mos Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedSep 4, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedSep 4, 2026
Details
As Low As; New Auto 2025-2026
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Vehicle Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedSep 4, 2026
Details
2023-2024
Daviess County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Vehicle Loan (2022-2020)
6.25%
48 months
▼
APR6.25%
Term48 months
Last UpdatedSep 4, 2026
Details
Term: 48 months, 60 months, 72 months; As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
6.25%
84-month
▼
APR6.25%
Term84-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old, over $20,000
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used (2020 - 2023) Auto Loan
6.49%
up to 72 months
▼
APR6.49%
Termup to 72 months
Last UpdatedSep 5, 2026
Details
As Low As; Used (2020 - 2023)
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2023 - 2020 Auto Loan
6.49%
Up to 54 months
▼
APR6.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
6.49%
79 - 84 months
▼
APR6.49%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2023 - 2020 Loan
6.49%
Up to 54 months
▼
APR6.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
6.49%
79 - 84 months
▼
APR6.49%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - New - 2025 - Newer Loan
6.49%
Up to 54 months
▼
APR6.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Auto Loan - 2025 - Newer
6.49%
Up to 54 months
▼
APR6.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Auto Loans
6.49%
61 - 72 Months
▼
APR6.49%
Term61 - 72 Months
Last UpdatedAug 31, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedAug 31, 2026
Details
Reflects AutoPay .25% deduction
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Auto Loans
6.49%
61-72 Months
▼
APR6.49%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
As Low As
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
NEW Auto Loan
6.50%
64 - 84 mos.
▼
APR6.50%
Term64 - 84 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2025-2027
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
USED Auto Loan
6.50%
64 - 75 mos.
▼
APR6.50%
Term64 - 75 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2024-2026
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Auto Loan 2017-2020
6.50%
Up to 72 Mos
▼
APR6.50%
TermUp to 72 Mos
Last UpdatedSep 4, 2026
Details
For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.; APR range: 6.50% - 16.50%; RATE range: 6.50% - 16.50%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 60 Mos Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedSep 4, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedSep 4, 2026
Details
2021-2022
Daviess County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Vehicle Loan (2016 & Older)
6.50%
48 months, 60 months
▼
APR6.50%
Term48 months, 60 months
Last UpdatedSep 4, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
6.50%
24-month
▼
APR6.50%
Term24-month
Last UpdatedSep 4, 2026
Details
Used auto over 10 years old
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Auto Loan
6.59%
up to 99 months
▼
APR6.59%
Termup to 99 months
Last UpdatedSep 3, 2026
Details
Purchase APR as low as*
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2023 - 2020 Auto Loan
6.74%
55 - 66 months
▼
APR6.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
6.74%
Up to 54 months
▼
APR6.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2023 - 2020 Loan
6.74%
55 - 66 months
▼
APR6.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - New - 2025 - Newer Loan
6.74%
55 - 66 months
▼
APR6.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
6.74%
Up to 54 months
▼
APR6.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Auto Loan - 2025 - Newer
6.74%
55 - 66 months
▼
APR6.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 85 to 89 Months Loan
6.74%
85 to 89 Months
▼
APR6.74%
Term85 to 89 Months
Last UpdatedSep 4, 2026
Details
As low as; *
APR6.74%
Term76-84 months
Last UpdatedAug 31, 2026
Details
Monthly Payment Example per $1,000 Borrowed: $14.97 based on a 84 month term
APR6.74%
Term64-75 months
Last UpdatedAug 31, 2026
Details
Transcend Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Auto Loan
6.74%
up to 84 months
▼
APR6.74%
Termup to 84 months
Last UpdatedSep 3, 2026
Details
As Low As;*
WBH Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
Auto Loan 2016 - Older
6.75%
Up to 60 Mos
▼
APR6.75%
TermUp to 60 Mos
Last UpdatedSep 4, 2026
Details
For rates shown as ranges, the APR will be within the range disclosed above and is based on your credit score. Please ask for the initial rate you qualify for.; APR range: 6.75% - 17.00%; RATE range: 6.75% - 17.00%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 72 Mos Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 72 Mos Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Vehicle Loan
6.75%
63 Months
▼
APR6.75%
Term63 Months
Last UpdatedSep 4, 2026
Details
2019-2020
Daviess County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Vehicle Loan (2016 & Older)
6.75%
48 months, 60 months
▼
APR6.75%
Term48 months, 60 months
Last UpdatedSep 4, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Newer (2024 - 2027) Auto Loan
6.99%
up to 84 months
▼
APR6.99%
Termup to 84 months
Last UpdatedSep 5, 2026
Details
As Low As; Newer (2024 - 2027)
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2023 - 2020 Auto Loan
6.99%
67 - 78 months
▼
APR6.99%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 1
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
6.99%
55 - 66 months
▼
APR6.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2023 - 2020 Loan
6.99%
67 - 78 months
▼
APR6.99%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 1
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - New - 2025 - Newer Loan
6.99%
67 - 721 months
▼
APR6.99%
Term67 - 721 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
6.99%
55 - 66 months
▼
APR6.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Auto Loan - 2025 - Newer
6.99%
67 - 72 months
▼
APR6.99%
Term67 - 72 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount; 721 months
Expree Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Auto Loans
6.99%
73-84 Months
▼
APR6.99%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Vehicle Loan (2017 - 2021)
6.99%
Up to 84 months
▼
APR6.99%
TermUp to 84 months
Last UpdatedSep 3, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
USED Auto Loan
7.00%
Up to 51 mos.
▼
APR7.00%
TermUp to 51 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2016-2019
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2017-2019 | 60 Mos Loan
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 60 Mos Loan
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Vehicle Loan
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
2016-2018
Daviess County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
Vehicle Loan (2019-2017)
7.00%
48 months, 60 months
▼
APR7.00%
Term48 months, 60 months
Last UpdatedSep 4, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
7.00%
36-month
▼
APR7.00%
Term36-month
Last UpdatedSep 4, 2026
Details
Used auto over 10 years old
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
7.24%
67 - 721 months
▼
APR7.24%
Term67 - 721 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
7.24%
67 - 72 months
▼
APR7.24%
Term67 - 72 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount; 1
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Auto Loans
7.24%
73 - 84 Months
▼
APR7.24%
Term73 - 84 Months
Last UpdatedAug 31, 2026
Details
APR7.24%
Term76-84 months
Last UpdatedAug 31, 2026
Details
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Vehicle Loan (2017 - 2021)
7.24%
85-120 months
▼
APR7.24%
Term85-120 months
Last UpdatedSep 3, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2017-2019 | 72 Mos Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 84 Mos Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2019 & Older Auto Loan
7.49%
Up to 63 months
▼
APR7.49%
TermUp to 63 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2023 - 2020 Auto Loan
7.49%
79 - 84 months
▼
APR7.49%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2023 - 2021 Auto Loan
7.49%
Up to 54 months
▼
APR7.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2019 & Older Loan
7.49%
Up to 63 months
▼
APR7.49%
TermUp to 63 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2023 - 2020 Loan
7.49%
79 - 84 months
▼
APR7.49%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2023 - 2021
7.49%
Up to 54 months
▼
APR7.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Vehicle Loan (2017 - 2021)
7.49%
121-144 months
▼
APR7.49%
Term121-144 months
Last UpdatedSep 3, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2016 & Older | 48 Mos. Loan
7.50%
48 Months
▼
APR7.50%
Term48 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2017-2019 | 60 Mos Loan
7.50%
60 Months
▼
APR7.50%
Term60 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
7.50%
48-month
▼
APR7.50%
Term48-month
Last UpdatedSep 4, 2026
Details
Used auto over 10 years old
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used (2020 - 2023) Auto Loan
7.74%
up to 84 months
▼
APR7.74%
Termup to 84 months
Last UpdatedSep 5, 2026
Details
As Low As; Used (2020 - 2023)
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
7.74%
75- 84 Months
▼
APR7.74%
Term75- 84 Months
Last UpdatedSep 4, 2026
Details
As Low As;*
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2023 - 2021 Auto Loan
7.74%
55 - 66 months
▼
APR7.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2023 - 2021
7.74%
55 - 66 months
▼
APR7.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Vehicle Loan (2017 - 2021)
7.74%
145-180 months
▼
APR7.74%
Term145-180 months
Last UpdatedSep 3, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2016 & Older | 60 Mos. Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2017-2019 | 72 Mos Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 72 Mos Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2023 - 2021 Auto Loan
7.99%
67 - 721 months
▼
APR7.99%
Term67 - 721 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2023 - 2021
7.99%
67 - 72 months
▼
APR7.99%
Term67 - 72 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount; 1
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2016 & Older | 48 Mos. Loan
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedSep 4, 2026
Details
Park Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Auto Loans
8.24%
85 - 96 Months
▼
APR8.24%
Term85 - 96 Months
Last UpdatedAug 31, 2026
Details
Powered by
MonitorBankRates
Tollesboro New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedSep 4, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
▼
APR3.99%
Term36 Months or Less
Last UpdatedSep 4, 2026
Details
As low as; *
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2022 or newer
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
4.00%
24-month
▼
APR4.00%
Term24-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
4.25%
36-month
▼
APR4.25%
Term36-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedSep 4, 2026
Details
As Low As
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedSep 4, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedSep 4, 2026
Details
As Low As
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2022 or newer
4.49%
49 - 60 Months
▼
APR4.49%
Term49 - 60 Months
Last UpdatedSep 3, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Auto
4.69%
up to 48 Months
▼
APR4.69%
Termup to 48 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Newer (2024 - 2027) Auto Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedSep 5, 2026
Details
As Low As; Newer (2024 - 2027)
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.74%
0 - 59 Months
▼
APR4.74%
Term0 - 59 Months
Last UpdatedSep 4, 2026
Details
As Low As;*
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2022 or newer
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 3, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
4.75%
60-month
▼
APR4.75%
Term60-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Auto
4.79%
up to 60 Months
▼
APR4.79%
Termup to 60 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedSep 4, 2026
Details
As Low As
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Newer (2024 - 2027) Auto Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 5, 2026
Details
As Low As; Newer (2024 - 2027)
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedSep 4, 2026
Details
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
4.99%
60 - 74 Months
▼
APR4.99%
Term60 - 74 Months
Last UpdatedSep 4, 2026
Details
As Low As;*
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
▼
APR4.99%
Term37 to 66 Months
Last UpdatedSep 4, 2026
Details
As low as; *
CLASS ACT
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
Auto Loan - 2022 or newer
4.99%
73 - 84 Months
▼
APR4.99%
Term73 - 84 Months
Last UpdatedSep 3, 2026
Details
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto
5.25%
63 Months
▼
APR5.25%
Term63 Months
Last UpdatedSep 4, 2026
Details
As Low As; New Auto 2025-2026
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
5.25%
72-month
▼
APR5.25%
Term72-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
NEW Auto Loan
5.49%
Up to 63 mos.
▼
APR5.49%
TermUp to 63 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2025-2027
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - New - 2025 - Newer Loan
5.49%
Up to 54 months
▼
APR5.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Newer Auto Loan
5.49%
Up to 54 months
▼
APR5.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2025 - Newer
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.49%
67 to 75 Months
▼
APR5.49%
Term67 to 75 Months
Last UpdatedSep 4, 2026
Details
As low as; *
APR5.49%
Term1-48 months
Last UpdatedAug 31, 2026
Details
Monthly Payment Example per $1,000 Borrowed: $23.26 based on a 48 month term
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
Reflects AutoPay .25% deduction
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedSep 4, 2026
Details
As Low As; New Auto 2025-2026
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
New Auto
5.69%
up to 84 Months
▼
APR5.69%
Termup to 84 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Newer (2024 - 2027) Auto Loan
5.74%
up to 72 months
▼
APR5.74%
Termup to 72 months
Last UpdatedSep 5, 2026
Details
As Low As; Newer (2024 - 2027)
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
5.74%
Up to 54 months
▼
APR5.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - New - 2025 - Newer Loan
5.74%
55 - 66 months
▼
APR5.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
5.74%
Up to 54 months
▼
APR5.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Newer Auto Loan
5.74%
55 - 66 months
▼
APR5.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2025 - Newer
APR5.74%
Term49-63 months
Last UpdatedAug 31, 2026
Details
Monthly Payment Example per $1,000 Borrowed: $18.43 based on a 63 month term
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
As Low As; New Auto 2025-2026
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Auto Loan
5.75%
84-month
▼
APR5.75%
Term84-month
Last UpdatedSep 4, 2026
Details
AUTO (New or 1 year old with less than 20000 miles)
Metro Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Autos New and Used
5.79%
Multiple terms available
▼
APR5.79%
TermMultiple terms available
Last UpdatedSep 3, 2026
Details
100% Financing.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedSep 4, 2026
Details
As Low As
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
5.99%
55 - 66 months
▼
APR5.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - New - 2025 - Newer Loan
5.99%
67 - 781 months
▼
APR5.99%
Term67 - 781 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
5.99%
55 - 66 months
▼
APR5.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Newer Auto Loan
5.99%
67 - 78 months
▼
APR5.99%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2025 - Newer; 1
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
6.24%
67 - 78 months
▼
APR6.24%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 1
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - New - 2025 - Newer Loan
6.24%
79 - 842 months
▼
APR6.24%
Term79 - 842 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
6.24%
67 - 78 months
▼
APR6.24%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 1
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Newer Auto Loan
6.24%
79 - 84 months
▼
APR6.24%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2025 - Newer; 2
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 76 to 84 Months Loan
6.24%
76 to 84 Months
▼
APR6.24%
Term76 to 84 Months
Last UpdatedSep 4, 2026
Details
As low as; *
APR6.24%
Term64-75 months
Last UpdatedAug 31, 2026
Details
Monthly Payment Example per $1,000 Borrowed: $16.14 based on a 75 month term
Green River Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
New Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedSep 4, 2026
Details
As Low As; New Auto 2025-2026
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
6.49%
79 - 84 months
▼
APR6.49%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
6.49%
79 - 84 months
▼
APR6.49%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - New - 2025 - Newer Loan
6.49%
Up to 54 months
▼
APR6.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Auto Loan - 2025 - Newer
6.49%
Up to 54 months
▼
APR6.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
NEW Auto Loan
6.50%
64 - 84 mos.
▼
APR6.50%
Term64 - 84 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2025-2027
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
6.74%
Up to 54 months
▼
APR6.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - New - 2025 - Newer Loan
6.74%
55 - 66 months
▼
APR6.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
6.74%
Up to 54 months
▼
APR6.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Auto Loan - 2025 - Newer
6.74%
55 - 66 months
▼
APR6.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 85 to 89 Months Loan
6.74%
85 to 89 Months
▼
APR6.74%
Term85 to 89 Months
Last UpdatedSep 4, 2026
Details
As low as; *
APR6.74%
Term76-84 months
Last UpdatedAug 31, 2026
Details
Monthly Payment Example per $1,000 Borrowed: $14.97 based on a 84 month term
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Newer (2024 - 2027) Auto Loan
6.99%
up to 84 months
▼
APR6.99%
Termup to 84 months
Last UpdatedSep 5, 2026
Details
As Low As; Newer (2024 - 2027)
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
6.99%
55 - 66 months
▼
APR6.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - New - 2025 - Newer Loan
6.99%
67 - 721 months
▼
APR6.99%
Term67 - 721 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
6.99%
55 - 66 months
▼
APR6.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Auto Loan - 2025 - Newer
6.99%
67 - 72 months
▼
APR6.99%
Term67 - 72 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount; 721 months
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
2024 - Newer Auto Loan
7.24%
67 - 721 months
▼
APR7.24%
Term67 - 721 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
7.24%
67 - 72 months
▼
APR7.24%
Term67 - 72 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount; 1
Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.88%
Auto Loans - Cars, Trucks, SUVs & Vans (years 2017 & Newer)
7.74%
75- 84 Months
▼
APR7.74%
Term75- 84 Months
Last UpdatedSep 4, 2026
Details
As Low As;*
Powered by
MonitorBankRates
Tollesboro Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
The Health And Education Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto
3.99%
Varies
▼
APR3.99%
TermVaries
Last UpdatedSep 4, 2026
Details
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 36 Months or Less Loan
3.99%
36 Months or Less
▼
APR3.99%
Term36 Months or Less
Last UpdatedSep 4, 2026
Details
As low as; *
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedSep 4, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedSep 4, 2026
Details
As Low As
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
4.50%
24-month
▼
APR4.50%
Term24-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
4.75%
36-month
▼
APR4.75%
Term36-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedSep 4, 2026
Details
As Low As
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 37 to 66 Months Loan
4.99%
37 to 66 Months
▼
APR4.99%
Term37 to 66 Months
Last UpdatedSep 4, 2026
Details
As low as; *
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Auto
4.99%
up to 48 Months
▼
APR4.99%
Termup to 48 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 60 Mos Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
5.00%
48-month
▼
APR5.00%
Term48-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Auto
5.09%
up to 60 Months
▼
APR5.09%
Termup to 60 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used (2020 - 2023) Auto Loan
5.24%
up to 48 months
▼
APR5.24%
Termup to 48 months
Last UpdatedSep 5, 2026
Details
As Low As; Used (2020 - 2023)
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 72 Mos Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
5.25%
60-month
▼
APR5.25%
Term60-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used (2020 - 2023) Auto Loan
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedSep 5, 2026
Details
As Low As; Used (2020 - 2023)
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 67 to 75 Months Loan
5.49%
67 to 75 Months
▼
APR5.49%
Term67 to 75 Months
Last UpdatedSep 4, 2026
Details
As low as; *
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 31, 2026
Details
Reflects AutoPay .25% deduction
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 60 Mos Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 60 Mos Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
5.74%
Up to 54 months
▼
APR5.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
APR5.74%
Term1-48 months
Last UpdatedAug 31, 2026
Details
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
USED Auto Loan
5.75%
Up to 63 mos.
▼
APR5.75%
TermUp to 63 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2024-2026
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 72 Mos Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 84 Mos Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
5.75%
72-month
▼
APR5.75%
Term72-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old
Metro Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Autos New and Used
5.79%
Multiple terms available
▼
APR5.79%
TermMultiple terms available
Last UpdatedSep 3, 2026
Details
100% Financing.
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
5.93%
7 years
▼
APR5.93%
Term7 years
Last UpdatedSep 4, 2026
Details
As Low As
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
5.99%
55 - 66 months
▼
APR5.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Louisville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Used Auto
5.99%
up to 72 Months
▼
APR5.99%
Termup to 72 Months
Last UpdatedSep 3, 2026
Details
Rates as low as:
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 60 Mos Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
6.24%
67 - 78 months
▼
APR6.24%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 1
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 76 to 84 Months Loan
6.24%
76 to 84 Months
▼
APR6.24%
Term76 to 84 Months
Last UpdatedSep 4, 2026
Details
As low as; *
APR6.24%
Term49-63 months
Last UpdatedAug 31, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 72 Mos Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 84 Mos Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
6.25%
84-month
▼
APR6.25%
Term84-month
Last UpdatedSep 4, 2026
Details
Used Auto up to 10 years old, over $20,000
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used (2020 - 2023) Auto Loan
6.49%
up to 72 months
▼
APR6.49%
Termup to 72 months
Last UpdatedSep 5, 2026
Details
As Low As; Used (2020 - 2023)
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2023 - 2020 Loan
6.49%
Up to 54 months
▼
APR6.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2024 - Newer Loan
6.49%
79 - 84 months
▼
APR6.49%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedAug 31, 2026
Details
Reflects AutoPay .25% deduction
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
USED Auto Loan
6.50%
64 - 75 mos.
▼
APR6.50%
Term64 - 75 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2024-2026
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 60 Mos Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
6.50%
24-month
▼
APR6.50%
Term24-month
Last UpdatedSep 4, 2026
Details
Used auto over 10 years old
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2023 - 2020 Loan
6.74%
55 - 66 months
▼
APR6.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
6.74%
Up to 54 months
▼
APR6.74%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
University of Kentucky Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.36%
New/Used Vehicle - Terms 85 to 89 Months Loan
6.74%
85 to 89 Months
▼
APR6.74%
Term85 to 89 Months
Last UpdatedSep 4, 2026
Details
As low as; *
APR6.74%
Term64-75 months
Last UpdatedAug 31, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 72 Mos Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 72 Mos Loan
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2023 - 2020 Loan
6.99%
67 - 78 months
▼
APR6.99%
Term67 - 78 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 1
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
6.99%
55 - 66 months
▼
APR6.99%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
L and N Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
USED Auto Loan
7.00%
Up to 51 mos.
▼
APR7.00%
TermUp to 51 mos.
Last UpdatedSep 5, 2026
Details
Model Year: 2016-2019
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2017-2019 | 60 Mos Loan
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 60 Mos Loan
7.00%
60 Months
▼
APR7.00%
Term60 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
7.00%
36-month
▼
APR7.00%
Term36-month
Last UpdatedSep 4, 2026
Details
Used auto over 10 years old
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2024 - Newer
7.24%
67 - 72 months
▼
APR7.24%
Term67 - 72 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount; 1
APR7.24%
Term76-84 months
Last UpdatedAug 31, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2017-2019 | 72 Mos Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2023-2026 | 84 Mos Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2019 & Older Loan
7.49%
Up to 63 months
▼
APR7.49%
TermUp to 63 months
Last UpdatedSep 9, 2026
Details
Autopay Discount
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Conventional Auto Loans - Used - 2023 - 2020 Loan
7.49%
79 - 84 months
▼
APR7.49%
Term79 - 84 months
Last UpdatedSep 9, 2026
Details
Autopay Discount; 2
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2023 - 2021
7.49%
Up to 54 months
▼
APR7.49%
TermUp to 54 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2016 & Older | 48 Mos. Loan
7.50%
48 Months
▼
APR7.50%
Term48 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2017-2019 | 60 Mos Loan
7.50%
60 Months
▼
APR7.50%
Term60 Months
Last UpdatedSep 4, 2026
Details
Morehead Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Auto Loan
7.50%
48-month
▼
APR7.50%
Term48-month
Last UpdatedSep 4, 2026
Details
Used auto over 10 years old
One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Used (2020 - 2023) Auto Loan
7.74%
up to 84 months
▼
APR7.74%
Termup to 84 months
Last UpdatedSep 5, 2026
Details
As Low As; Used (2020 - 2023)
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2023 - 2021
7.74%
55 - 66 months
▼
APR7.74%
Term55 - 66 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2016 & Older | 60 Mos. Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2017-2019 | 72 Mos Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2020-2022 | 72 Mos Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedSep 4, 2026
Details
Cinfed Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Flex Auto Loans - Used - 2023 - 2021
7.99%
67 - 72 months
▼
APR7.99%
Term67 - 72 months
Last UpdatedSep 9, 2026
Details
With Autopay Discount; 1
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
Used Vehicles 2016 & Older | 48 Mos. Loan
8.00%
48 Months
▼
APR8.00%
Term48 Months
Last UpdatedSep 4, 2026
Details
Powered by
MonitorBankRates
Tollesboro, KY Auto Loan Rate Trends
Compare local Tollesboro, KY 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 KY Avg
5.858%
▼ 0.216 vs 7 days ago
Kentucky new auto rates fell 0.216 points over the past 7 days to 5.858% APR.
Used Auto Loan KY Avg
6.649%
▲ 0.042 vs 7 days ago
Kentucky used auto rates rose 0.042 points over the past 7 days to 6.649% APR.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Tollesboro, KY 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 Kentucky figures.
Current New Auto Avg
5.86%
APR, as of Sep 10, 2026
6-Month Forecast
5.94%
Fed hold assumed
12-Month Forecast
6.01%
Range: 5.66% to 6.21%
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 Kentucky 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 @ 5.86% APR KY average | Used Auto @ 6.65% APR KY average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.00/mo | $294.54/mo | $5.54/mo |
| $25,000 | $481.67/mo | $490.90/mo | $9.23/mo |
| $35,000 | $674.34/mo | $687.26/mo | $12.92/mo |
| $45,000 | $867.01/mo | $883.61/mo | $16.61/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 Tollesboro, Kentucky
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Tollesboro, Kentucky locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Kentucky. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Tollesboro, Kentucky 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: Tollesboro, Kentucky CD rates lock in a guaranteed return until you’re ready to buy
Kentucky Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
$40,635
Median Individual Earnings
National avg: $47,340
4.8%
Unemployment Rate
National avg: 4.8%
16.1%
Poverty Rate
National avg: 11.1%
$578/mo
Payment on a $30K / 60-mo Loan
At KY new-auto avg 5.86% APR
A $578 monthly car payment works out to roughly 17.1% of the median individual income in Kentucky. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Tollesboro, Kentucky, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Tollesboro, Kentucky. We’ve prefilled the APR with today’s KY new-auto average, or click any current rate on the right to apply it instantly.
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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 Tollesboro, Kentucky 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 Tollesboro, Kentucky 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 Tollesboro, Kentucky. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in KY.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Tollesboro, Kentucky
How does my credit score affect my car loan rate in Kentucky?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Tollesboro, Kentucky 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 Kentucky *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 Tollesboro, Kentucky typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in Tollesboro, Kentucky?
Yes. A preapproval from a bank or credit union serving Tollesboro, Kentucky gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Tollesboro, Kentucky can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Tollesboro, Kentucky?
Based on our current data, some of the lowest auto loan rates available in Tollesboro, Kentucky include:
- The Health And Education Federal Credit Union: 3.99% (New Auto)
- Bluegrass Community Federal Credit Union: 3.99% (Auto Loans)
- University of Kentucky Federal Credit Union: 3.99% (New/Used Vehicle - Terms 36 Months or Less Loan)
- CLASS ACT: 3.99% (Auto Loan - 2022 or newer)
- Morehead Community Federal Credit Union: 4.00% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tollesboro, Kentucky. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 9, 2026
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