Ruby, Louisiana Best Auto Loan Rates - August 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Ruby, Louisiana. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Ruby, Louisiana include Fleur de Lis Federal Credit UnionFleur de Lis Federal Credit UnionA+5.0 ★Texas Ratio: 1.34% offering New and Used Auto at 3.00%, CUSA Federal Credit UnionCUSA Federal Credit UnionA+5.0 ★Texas Ratio: 4.05% offering New Vehicles Loan at 3.25%, Instep Credit UnionInstep Credit UnionA5.0 ★Texas Ratio: 7.38% offering New and Used Auto at 3.25%, Riverland Federal Credit UnionRiverland Federal Credit UnionA+5.0 ★Texas Ratio: 4.06% offering Auto Loans at 3.50%, Barksdale Federal Credit UnionBarksdale Federal Credit UnionA5.0 ★Texas Ratio: 9.43% offering 2019 & Newer Auto Loan at 3.69%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Ruby borrowers have access to 42 lenders serving the Louisiana area, with auto loan rates as low as 3.00% APR from Fleur de Lis Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Ruby, Louisiana. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Ruby, Louisiana & Surrounding Area
Ruby Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New and Used Auto
3.00%
Up to 84 Months
▼
APR3.00%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Refinance Options Available
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
3.25%
Up to 60 months
▼
APR3.25%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New and Used Auto
3.25%
Up to 72 Months*
▼
APR3.25%
TermUp to 72 Months*
Last UpdatedAug 28, 2026
Details
Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25% APR discount for a 48-month loan term. Example payment: A $20,000 auto loan financed for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accrue during the no-payment period.
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loans
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Cars, Trucks, & SUVs
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
2019 & Newer Auto Loan
3.69%
Up to 78 Months
▼
APR3.69%
TermUp to 78 Months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedAug 28, 2026
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
3.90%
60 months
▼
APR3.90%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; For a limited time only. Rates determined by past credit performance. Must have an open Share Account to qualify.
Baton Rouge City Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Autos and Motorcycles
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
GEISMAR COMPLEX
Institution Rating:
A5.0 ★ Texas Ratio: 3.75%
New Vehicle Loan
3.99%
Up to 7 years
▼
APR3.99%
TermUp to 7 years
Last UpdatedAug 28, 2026
Details
APR varies by term.
GEISMAR COMPLEX
Institution Rating:
A5.0 ★ Texas Ratio: 3.75%
New Vehicles Loan
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
As Low As
GEISMAR COMPLEX
Institution Rating:
A5.0 ★ Texas Ratio: 3.75%
Used Vehicle Loan
3.99%
Up to 6 years
▼
APR3.99%
TermUp to 6 years
Last UpdatedAug 28, 2026
Details
APR varies by term.
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
A+ APR
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
4.25%
84 months
▼
APR4.25%
Term84 months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicles Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
A+ APR
Rapides General Hospital Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
4.30%
36 Months or Less
▼
APR4.30%
Term36 Months or Less
Last UpdatedAug 28, 2026
Details
Rate Ranges Are Based On Credit Worthiness
Calcasieu Teachers And Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Auto Loan
4.45%
Up to 48 months
▼
APR4.45%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
New & Used Vehicles Loan
4.49%
up to 84 months
▼
APR4.49%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Vehicle Loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: Less than $15,000.00
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
A APR
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loans
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Cars, Trucks, & SUVs
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; For a limited time only. Rates determined by past credit performance. Must have an open Share Account to qualify.
Peoples Credit Union Rayne, LA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicle Loan
4.50%
Up to 72 mo.
▼
APR4.50%
TermUp to 72 mo.
Last UpdatedAug 28, 2026
Details
Annual Percentage Rate (APR) as low as 4.50%.
Rapides General Hospital Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rate Ranges Are Based On Credit Worthiness
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
4.54%
0-48 months
▼
APR4.54%
Term0-48 months
Last UpdatedAug 28, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
Vehicle Loan (2025)
4.60%
up to 48 months
▼
APR4.60%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedAug 28, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $15,000.00-$19,999.99
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
4.75%
96 months
▼
APR4.75%
Term96 months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicles Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
A APR
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - Up to 60 Months
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
A+APR*
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Autos
4.77%
84 Months
▼
APR4.77%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As; **
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
4.79%
49-66 months
▼
APR4.79%
Term49-66 months
Last UpdatedAug 28, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
4.80%
24 MONTHS
▼
APR4.80%
Term24 MONTHS
Last UpdatedAug 28, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
2018 & Older Auto Loan
4.90%
Up to 60 Months
▼
APR4.90%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
4.90%
36 MONTHS
▼
APR4.90%
Term36 MONTHS
Last UpdatedAug 28, 2026
Details
Calcasieu Teachers And Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Auto Loan
4.95%
Up to 60 months
▼
APR4.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As Low As
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
New Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 115%
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New Auto
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedAug 28, 2026
Details
Annual Percentage Rates shown are "as low as."
Rapides General Hospital Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Rate Ranges Are Based On Credit Worthiness
Louisiana Catholic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Vehicle Loan
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
Louisiana Catholic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Vehicle Loan
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Vehicle Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $20,000.00-$29,999.99
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
A APR
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedAug 28, 2026
Details
A+APR*
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Used Auto/Van/Truck Loans
5.04%
0-48 months
▼
APR5.04%
Term0-48 months
Last UpdatedAug 28, 2026
Details
As low as
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
5.05%
24 MONTHS
▼
APR5.05%
Term24 MONTHS
Last UpdatedAug 28, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
5.09%
72 months
▼
APR5.09%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
Vehicle Loan (2025)
5.10%
up to 60 months
▼
APR5.10%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
5.15%
36 MONTHS
▼
APR5.15%
Term36 MONTHS
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedAug 28, 2026
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
New Auto Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 115%
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.24%
1 to 36 Months
▼
APR5.24%
Term1 to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment.
Valex Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
Vehicle Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: Less than $15,000
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used/Program Vehicle Loans - 36 Months
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: less than $15,000.00
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicles Loan
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedAug 28, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
Used Vehicles Loan
5.25%
1 - 6 years
▼
APR5.25%
Term1 - 6 years
Last UpdatedAug 28, 2026
Details
As Low As
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - Up to 60 Months
5.25%
Up to 60 Months
▼
APR5.25%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
AAPR*
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
5.25%
48 MONTHS
▼
APR5.25%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Autos
5.27%
84 Months
▼
APR5.27%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As; **
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
5.29%
67-78 months
▼
APR5.29%
Term67-78 months
Last UpdatedAug 28, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Used Auto/Van/Truck Loans
5.29%
49-66 months
▼
APR5.29%
Term49-66 months
Last UpdatedAug 28, 2026
Details
As low as
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
Vehicle Loan (2025)
5.30%
up to 72 months ($20k+)
▼
APR5.30%
Termup to 72 months ($20k+)
Last UpdatedAug 28, 2026
Details
As Low As
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
5.34%
84 months
▼
APR5.34%
Term84 months
Last UpdatedAug 28, 2026
Details
As Low As; Selling price must be $30,000; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.39%
24 Months
▼
APR5.39%
Term24 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.39%
24 Months
▼
APR5.39%
Term24 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Automobiles
5.40%
36 Months
▼
APR5.40%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As
APR5.44%
Termup to 96 mo.
Last UpdatedAug 28, 2026
Details
APR5.44%
Termup to 84 mo.
Last UpdatedAug 28, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
Vehicle Loan (2025)
5.45%
up to 84 months ($40k+)
▼
APR5.45%
Termup to 84 months ($40k+)
Last UpdatedAug 28, 2026
Details
As Low As
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Automobiles
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Calcasieu Teachers And Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Auto Loan
5.45%
Up to 72 months
▼
APR5.45%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As Low As
Wymar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Vehicle Loan
5.49%
4 Years
▼
APR5.49%
Term4 Years
Last UpdatedAug 28, 2026
Details
As Low As*
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Auto Loans
5.49%
0-36 months
▼
APR5.49%
Term0-36 months
Last UpdatedAug 28, 2026
Details
As Low As
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
Auto Loans
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; 36 months
Valex Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
Vehicle Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: $15,000 - $19,999.99
Valex Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
Vehicle Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedAug 28, 2026
Details
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: $20,000 - $29,999.99
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Vehicle Loans
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $30,000.00-$39,999.99
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used/Program Vehicle Loans - 48 Months
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $15,000.00-$19,999.99
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
Used Vehicles Loan
5.50%
7 - 9 years
▼
APR5.50%
Term7 - 9 years
Last UpdatedAug 28, 2026
Details
As Low As
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Auto Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; 2023 - 2026
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
B APR
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - 72 Months
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
AAPR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 6 to 10 years old
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
A+APR*
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
5.50%
48 MONTHS
▼
APR5.50%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loans
5.50%
Up to 84 months
▼
APR5.50%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Cars, Trucks, & SUVs
APR5.50%
Term0-24 Months
Last UpdatedAug 28, 2026
Details
New (Non Real Estate)
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
New & Newer Used Auto Loan
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.54%
49 to 60 Months
▼
APR5.54%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
5.60%
60 MONTHS
▼
APR5.60%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade B
5.60%
24 MONTHS
▼
APR5.60%
Term24 MONTHS
Last UpdatedAug 28, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.64%
67 to 75 Months
▼
APR5.64%
Term67 to 75 Months
Last UpdatedAug 28, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
Vehicle Loan (2024)
5.65%
up to 60 months
▼
APR5.65%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Auto Loans
5.74%
37-60 months
▼
APR5.74%
Term37-60 months
Last UpdatedAug 28, 2026
Details
As Low As
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used/Program Vehicle Loans - 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $20,000.00-$29,999.99
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedAug 28, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
Used Vehicles Loan
5.75%
10 - 15 years
▼
APR5.75%
Term10 - 15 years
Last UpdatedAug 28, 2026
Details
As Low As
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Auto Loan
5.75%
72 months*
▼
APR5.75%
Term72 months*
Last UpdatedAug 28, 2026
Details
As Low As; 2023 - 2026
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
B APR
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 6 to 10 years old
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
A+APR*
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Peoples Credit Union Rayne, LA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicle Loan
5.75%
Up to 60 mo.
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedAug 28, 2026
Details
Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
APR5.75%
Term25-36 Months
Last UpdatedAug 28, 2026
Details
New (Non Real Estate)
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details
**
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.79%
76 to 78 Months
▼
APR5.79%
Term76 to 78 Months
Last UpdatedAug 28, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
5.79%
7 years
▼
APR5.79%
Term7 years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment.
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Used Auto/Van/Truck Loans
5.79%
67-78 months
▼
APR5.79%
Term67-78 months
Last UpdatedAug 28, 2026
Details
As low as
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
5.85%
60 MONTHS
▼
APR5.85%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
Auto Loan
5.89%
78 months
▼
APR5.89%
Term78 months
Last UpdatedAug 28, 2026
Details
Example on a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99. Used - 2016 - 2022 Models
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
New & Newer Used Auto Loan
5.89%
49 to 78 Months
▼
APR5.89%
Term49 to 78 Months
Last UpdatedAug 28, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.89%
48 Months
▼
APR5.89%
Term48 Months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.94%
79 to 84 Months
▼
APR5.94%
Term79 to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
Vehicle Loan (2024)
5.95%
up to 72 months ($20k+)
▼
APR5.95%
Termup to 72 months ($20k+)
Last UpdatedAug 28, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade B
5.95%
36 MONTHS
▼
APR5.95%
Term36 MONTHS
Last UpdatedAug 28, 2026
Details
Calcasieu Teachers And Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
Auto Loan
5.95%
Up to 84 months
▼
APR5.95%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
As Low As
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.98%
78 Months
▼
APR5.98%
Term78 Months
Last UpdatedAug 28, 2026
Details
***
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.98%
78 Months
▼
APR5.98%
Term78 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Campus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Vehicle Loan
5.99%
24 months
▼
APR5.99%
Term24 months
Last UpdatedAug 28, 2026
Details
As Low As
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Used Auto Loans
5.99%
up to 60 months
▼
APR5.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Financing: up to 115%
Wymar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Vehicle Loan
5.99%
6 Years
▼
APR5.99%
Term6 Years
Last UpdatedAug 28, 2026
Details
As Low As*
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
5 Years Old or Older Including Automobiles, Boats, Motorcycles, Tractors, and Campers
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Barton Plant Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Auto Loans
6.00%
10 years maximum financing
▼
APR6.00%
Term10 years maximum financing
Last UpdatedAug 28, 2026
Details
As low as
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Automobiles
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Auto Loan
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; 2023 - 2026
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
B APR
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 11 to 15 years old - 36 Months
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+APR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 6 to 10 years old
6.00%
Up to 60 Months
▼
APR6.00%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
AAPR*
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
6.00%
73 - 84 Months
▼
APR6.00%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
6.00%
72 MONTHS
▼
APR6.00%
Term72 MONTHS
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade B
6.00%
24 MONTHS
▼
APR6.00%
Term24 MONTHS
Last UpdatedAug 28, 2026
Details
APR6.00%
Term37-48 Months
Last UpdatedAug 28, 2026
Details
New (Non Real Estate)
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
6.04%
84 Months
▼
APR6.04%
Term84 Months
Last UpdatedAug 28, 2026
Details
****
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
6.04%
84 Months
▼
APR6.04%
Term84 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
6.04%
79-84 months
▼
APR6.04%
Term79-84 months
Last UpdatedAug 28, 2026
Details
As Low As; New Vehicles Only > $25,000
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedAug 28, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New Auto Loans
6.10%
Up to 36 Months
▼
APR6.10%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Auto Loans
6.14%
61-78 months
▼
APR6.14%
Term61-78 months
Last UpdatedAug 28, 2026
Details
As Low As
Wymar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Vehicle Loan
6.24%
3 Years
▼
APR6.24%
Term3 Years
Last UpdatedAug 28, 2026
Details
As Low As*
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Vehicle - 2022 and Older Model Years Loan
6.24%
1 to 36 Months
▼
APR6.24%
Term1 to 36 Months
Last UpdatedAug 28, 2026
Details
2019-2022 Model Years
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedAug 28, 2026
Details
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Auto Loan
6.25%
84 months**
▼
APR6.25%
Term84 months**
Last UpdatedAug 28, 2026
Details
As Low As; 2023 - 2026
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - Up to 60 Months
6.25%
Up to 60 Months
▼
APR6.25%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
BAPR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 11 to 15 years old - 48 Months
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
A+APR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 6 to 10 years old
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
AAPR*
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade B
6.25%
36 MONTHS
▼
APR6.25%
Term36 MONTHS
Last UpdatedAug 28, 2026
Details
APR6.25%
Term49-60 Months
Last UpdatedAug 28, 2026
Details
New (Non Real Estate)
Campus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Vehicle Loan
6.29%
72 months
▼
APR6.29%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Auto Loans
6.29%
79-84 months
▼
APR6.29%
Term79-84 months
Last UpdatedAug 28, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
Vehicle Loan (2021)
6.30%
up to 48 months
▼
APR6.30%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
As Low As
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Automobiles
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As
CSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Used Auto Loans
6.35%
Up to 24 Months
▼
APR6.35%
TermUp to 24 Months
Last UpdatedAug 28, 2026
Details
Maximum term for loans up to $5,000 is 24 months
Campus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Vehicle Loan
6.49%
78 months
▼
APR6.49%
Term78 months
Last UpdatedAug 28, 2026
Details
As Low As
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Used Auto Loans
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedAug 28, 2026
Details
Financing: up to 115%
Wymar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Vehicle Loan
6.49%
7 Years
▼
APR6.49%
Term7 Years
Last UpdatedAug 28, 2026
Details
As Low As*
BRECO Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.75%
New/Used Auto 0-36 Months
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
BRECO Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.75%
New/Used Auto 37-48 Months
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Campus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Vehicle Loan
6.50%
24 months
▼
APR6.50%
Term24 months
Last UpdatedAug 28, 2026
Details
As Low As
Valex Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: $30,000 - $39,999.99
Valex Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.18%
Vehicle Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedAug 28, 2026
Details
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: $40,000 or more
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used/Program Vehicle Loans - 72 Months
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $30,000.00-$39,999.99
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - 72 Months
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
BAPR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 11 to 15 years old - 36 Months
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
AAPR*
Engage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Vehicle Loan
6.50%
60 months
▼
APR6.50%
Term60 months
Last UpdatedAug 28, 2026
Details
As low as; 61-75 months financing on loans over $20,000
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade B
6.50%
48 MONTHS
▼
APR6.50%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
6.50%
72 MONTHS
▼
APR6.50%
Term72 MONTHS
Last UpdatedAug 28, 2026
Details
APR6.50%
Term61-72 Months
Last UpdatedAug 28, 2026
Details
New (Non Real Estate)
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Vehicle - 2022 and Older Model Years Loan
6.54%
49 to 60 Months
▼
APR6.54%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details
2019-2022 Model Years
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.81%
Vehicle Loan (2021)
6.55%
up to 60 months ($20k+)
▼
APR6.55%
Termup to 60 months ($20k+)
Last UpdatedAug 28, 2026
Details
As Low As
Powered by
MonitorBankRates
Ruby New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New and Used Auto
3.00%
Up to 84 Months
▼
APR3.00%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Refinance Options Available
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
3.25%
Up to 60 months
▼
APR3.25%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Instep Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New and Used Auto
3.25%
Up to 72 Months*
▼
APR3.25%
TermUp to 72 Months*
Last UpdatedAug 28, 2026
Details
Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25% APR discount for a 48-month loan term. Example payment: A $20,000 auto loan financed for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accrue during the no-payment period.
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
2019 & Newer Auto Loan
3.69%
Up to 78 Months
▼
APR3.69%
TermUp to 78 Months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedAug 28, 2026
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
3.90%
60 months
▼
APR3.90%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; For a limited time only. Rates determined by past credit performance. Must have an open Share Account to qualify.
Baton Rouge City Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Autos and Motorcycles
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
GEISMAR COMPLEX
Institution Rating:
A5.0 ★ Texas Ratio: 3.75%
New Vehicle Loan
3.99%
Up to 7 years
▼
APR3.99%
TermUp to 7 years
Last UpdatedAug 28, 2026
Details
APR varies by term.
GEISMAR COMPLEX
Institution Rating:
A5.0 ★ Texas Ratio: 3.75%
New Vehicles Loan
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
A+ APR
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
4.25%
84 months
▼
APR4.25%
Term84 months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
A+ APR
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
New & Used Vehicles Loan
4.49%
up to 84 months
▼
APR4.49%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Vehicle Loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: Less than $15,000.00
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
A APR
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
New Auto Loans
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; For a limited time only. Rates determined by past credit performance. Must have an open Share Account to qualify.
Peoples Credit Union Rayne, LA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
New Vehicle Loan
4.50%
Up to 72 mo.
▼
APR4.50%
TermUp to 72 mo.
Last UpdatedAug 28, 2026
Details
Annual Percentage Rate (APR) as low as 4.50%.
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
4.54%
0-48 months
▼
APR4.54%
Term0-48 months
Last UpdatedAug 28, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedAug 28, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $15,000.00-$19,999.99
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicles Loan
4.75%
96 months
▼
APR4.75%
Term96 months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
A APR
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Autos
4.77%
84 Months
▼
APR4.77%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As; **
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
4.79%
49-66 months
▼
APR4.79%
Term49-66 months
Last UpdatedAug 28, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
4.80%
24 MONTHS
▼
APR4.80%
Term24 MONTHS
Last UpdatedAug 28, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
4.90%
36 MONTHS
▼
APR4.90%
Term36 MONTHS
Last UpdatedAug 28, 2026
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
New Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 115%
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
New Auto
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedAug 28, 2026
Details
Annual Percentage Rates shown are "as low as."
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Vehicle Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $20,000.00-$29,999.99
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
A APR
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
5.09%
72 months
▼
APR5.09%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedAug 28, 2026
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
New Auto Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 115%
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.24%
1 to 36 Months
▼
APR5.24%
Term1 to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
5.25%
48 MONTHS
▼
APR5.25%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
5.29%
67-78 months
▼
APR5.29%
Term67-78 months
Last UpdatedAug 28, 2026
Details
As Low As
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
New Vehicles Loan
5.34%
84 months
▼
APR5.34%
Term84 months
Last UpdatedAug 28, 2026
Details
As Low As; Selling price must be $30,000; Including Automobiles, Boats, Motorcycles, Tractors, Campers, and 4-Wheelers/ATVs
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.39%
24 Months
▼
APR5.39%
Term24 Months
Last UpdatedAug 28, 2026
Details
APR5.44%
Termup to 96 mo.
Last UpdatedAug 28, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
New Vehicle Loans
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $30,000.00-$39,999.99
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
B APR
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedAug 28, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
New & Newer Used Auto Loan
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.54%
49 to 60 Months
▼
APR5.54%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
5.60%
60 MONTHS
▼
APR5.60%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade B
5.60%
24 MONTHS
▼
APR5.60%
Term24 MONTHS
Last UpdatedAug 28, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.64%
67 to 75 Months
▼
APR5.64%
Term67 to 75 Months
Last UpdatedAug 28, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
B APR
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details
**
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.79%
76 to 78 Months
▼
APR5.79%
Term76 to 78 Months
Last UpdatedAug 28, 2026
Details
As Low As
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
New & Newer Used Auto Loan
5.89%
49 to 78 Months
▼
APR5.89%
Term49 to 78 Months
Last UpdatedAug 28, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.89%
48 Months
▼
APR5.89%
Term48 Months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New Vehicle - 2023 and Newer Loan
5.94%
79 to 84 Months
▼
APR5.94%
Term79 to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade B
5.95%
36 MONTHS
▼
APR5.95%
Term36 MONTHS
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
5.98%
78 Months
▼
APR5.98%
Term78 Months
Last UpdatedAug 28, 2026
Details
***
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
B APR
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
6.00%
73 - 84 Months
▼
APR6.00%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade A
6.00%
72 MONTHS
▼
APR6.00%
Term72 MONTHS
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
New Auto Loan
6.04%
84 Months
▼
APR6.04%
Term84 Months
Last UpdatedAug 28, 2026
Details
****
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
New Auto/Van/Truck Loans
6.04%
79-84 months
▼
APR6.04%
Term79-84 months
Last UpdatedAug 28, 2026
Details
As Low As; New Vehicles Only > $25,000
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedAug 28, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New Auto Loans
6.10%
Up to 36 Months
▼
APR6.10%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
BRECO Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.75%
New/Used Auto 0-36 Months
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
BRECO Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.75%
New/Used Auto 37-48 Months
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
New Vehicle Loans - Grade B
6.50%
48 MONTHS
▼
APR6.50%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Ruby Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
New and Used Auto
3.00%
Up to 84 Months
▼
APR3.00%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Refinance Options Available
Instep Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New and Used Auto
3.25%
Up to 72 Months*
▼
APR3.25%
TermUp to 72 Months*
Last UpdatedAug 28, 2026
Details
Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25% APR discount for a 48-month loan term. Example payment: A $20,000 auto loan financed for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accrue during the no-payment period.
Baton Rouge City Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New and Used Autos and Motorcycles
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
GEISMAR COMPLEX
Institution Rating:
A5.0 ★ Texas Ratio: 3.75%
Used Vehicle Loan
3.99%
Up to 6 years
▼
APR3.99%
TermUp to 6 years
Last UpdatedAug 28, 2026
Details
APR varies by term.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicles Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
New & Used Vehicles Loan
4.49%
up to 84 months
▼
APR4.49%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedAug 28, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicles Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - Up to 60 Months
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
A+APR*
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedAug 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedAug 28, 2026
Details
A+APR*
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
5.00%
24 Months
▼
APR5.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Used Auto/Van/Truck Loans
5.04%
0-48 months
▼
APR5.04%
Term0-48 months
Last UpdatedAug 28, 2026
Details
As low as
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
5.05%
24 MONTHS
▼
APR5.05%
Term24 MONTHS
Last UpdatedAug 28, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
5.15%
36 MONTHS
▼
APR5.15%
Term36 MONTHS
Last UpdatedAug 28, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedAug 28, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment.
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used/Program Vehicle Loans - 36 Months
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: less than $15,000.00
CUSA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicles Loan
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedAug 28, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
Used Vehicles Loan
5.25%
1 - 6 years
▼
APR5.25%
Term1 - 6 years
Last UpdatedAug 28, 2026
Details
As Low As
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - Up to 60 Months
5.25%
Up to 60 Months
▼
APR5.25%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
AAPR*
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Autos
5.27%
84 Months
▼
APR5.27%
Term84 Months
Last UpdatedAug 28, 2026
Details
As Low As; **
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Used Auto/Van/Truck Loans
5.29%
49-66 months
▼
APR5.29%
Term49-66 months
Last UpdatedAug 28, 2026
Details
As low as
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.39%
24 Months
▼
APR5.39%
Term24 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
APR5.44%
Termup to 84 mo.
Last UpdatedAug 28, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used/Program Vehicle Loans - 48 Months
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $15,000.00-$19,999.99
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
Used Vehicles Loan
5.50%
7 - 9 years
▼
APR5.50%
Term7 - 9 years
Last UpdatedAug 28, 2026
Details
As Low As
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - 72 Months
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
AAPR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 6 to 10 years old
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
A+APR*
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
5.50%
48 MONTHS
▼
APR5.50%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.54%
48 Months
▼
APR5.54%
Term48 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
New & Newer Used Auto Loan
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used/Program Vehicle Loans - 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $20,000.00-$29,999.99
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
Used Vehicles Loan
5.75%
10 - 15 years
▼
APR5.75%
Term10 - 15 years
Last UpdatedAug 28, 2026
Details
As Low As
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 6 to 10 years old
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
A+APR*
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Peoples Credit Union Rayne, LA
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Used Vehicle Loan
5.75%
Up to 60 mo.
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedAug 28, 2026
Details
Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Used Auto / Refi
5.79%
7 years
▼
APR5.79%
Term7 years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment.
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Used Auto/Van/Truck Loans
5.79%
67-78 months
▼
APR5.79%
Term67-78 months
Last UpdatedAug 28, 2026
Details
As low as
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
5.85%
60 MONTHS
▼
APR5.85%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
New & Newer Used Auto Loan
5.89%
49 to 78 Months
▼
APR5.89%
Term49 to 78 Months
Last UpdatedAug 28, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.89%
48 Months
▼
APR5.89%
Term48 Months
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
5.98%
78 Months
▼
APR5.98%
Term78 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Used Auto Loans
5.99%
up to 60 months
▼
APR5.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Financing: up to 115%
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 11 to 15 years old - 36 Months
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+APR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 6 to 10 years old
6.00%
Up to 60 Months
▼
APR6.00%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
AAPR*
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New or Used Autos/Trucks
6.00%
73 - 84 Months
▼
APR6.00%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade B
6.00%
24 MONTHS
▼
APR6.00%
Term24 MONTHS
Last UpdatedAug 28, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.81%
Used Auto Loan
6.04%
84 Months
▼
APR6.04%
Term84 Months
Last UpdatedAug 28, 2026
Details
Beginning APR*
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New and Used Auto Loans
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedAug 28, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Vehicle - 2022 and Older Model Years Loan
6.24%
1 to 36 Months
▼
APR6.24%
Term1 to 36 Months
Last UpdatedAug 28, 2026
Details
2019-2022 Model Years
Access Of Louisiana Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.01%
Used Car Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedAug 28, 2026
Details
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - Up to 60 Months
6.25%
Up to 60 Months
▼
APR6.25%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
BAPR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 11 to 15 years old - 48 Months
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
A+APR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 6 to 10 years old
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
AAPR*
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade B
6.25%
36 MONTHS
▼
APR6.25%
Term36 MONTHS
Last UpdatedAug 28, 2026
Details
CSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Used Auto Loans
6.35%
Up to 24 Months
▼
APR6.35%
TermUp to 24 Months
Last UpdatedAug 28, 2026
Details
Maximum term for loans up to $5,000 is 24 months
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Used Auto Loans
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedAug 28, 2026
Details
Financing: up to 115%
BRECO Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.75%
New/Used Auto 0-36 Months
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
BRECO Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.75%
New/Used Auto 37-48 Months
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 125% financing including TT&L, Gap Insurance, Extended Warranty, Debt Protection
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
Used/Program Vehicle Loans - 72 Months
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
Maximum Loan Amount: $30,000.00-$39,999.99
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 1 to 5 years old - 72 Months
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
BAPR*
705 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 13.64%
Pre-Owned Auto Loans 11 to 15 years old - 36 Months
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
AAPR*
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.92%
Used Vehicle Loans - Grade A
6.50%
72 MONTHS
▼
APR6.50%
Term72 MONTHS
Last UpdatedAug 28, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
Used Vehicle - 2022 and Older Model Years Loan
6.54%
49 to 60 Months
▼
APR6.54%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details
2019-2022 Model Years
Powered by
MonitorBankRates
Ruby, LA Auto Loan Rate Trends
Compare local Ruby, LA 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 — LA Avg
6.222%
▼ 0.098 vs 7 days ago
Louisiana new auto rates fell 0.098 points over the past 7 days to 6.222% APR.
Used Auto Loan — LA Avg
6.999%
▲ 0.434 vs 7 days ago
Louisiana used auto rates rose 0.434 points over the past 7 days to 6.999% APR.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Louisiana 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 @ 6.22% APR LA average | Used Auto @ 7.00% APR LA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $291.54/mo | $297.01/mo | $5.47/mo |
| $25,000 | $485.91/mo | $495.02/mo | $9.12/mo |
| $35,000 | $680.27/mo | $693.03/mo | $12.76/mo |
| $45,000 | $874.63/mo | $891.04/mo | $16.41/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Ruby, Louisiana Auto Loan Rate Database
42 Local Lenders Tracked
Banks & Credit Unions
Updated Daily
Our Ruby, Louisiana auto loan tables currently track 42 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Ruby, Louisiana database right now is 3.00% APR from Fleur de Lis Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Ruby, Louisiana
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Ruby, Louisiana 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 Louisiana. 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 Ruby, Louisiana 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 → Ruby, Louisiana CD rates lock in a guaranteed return until you’re ready to buy
Louisiana Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)
$40,534
Median Individual Earnings
National avg: $47,340
6.2%
Unemployment Rate
National avg: 4.8%
18.9%
Poverty Rate
National avg: 11.1%
$583/mo
Payment on a $30K / 60-mo Loan
At LA new-auto avg 6.22% APR
A $583 monthly car payment works out to roughly 17.3% of the median individual income in Louisiana. 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 Ruby, Louisiana — 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 Ruby, Louisiana. We’ve prefilled the APR with today’s LA new-auto average — or click any current rate on the right to apply it instantly.
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Current Rates — Click to Apply
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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 Ruby, Louisiana 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 Ruby, Louisiana 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 Ruby, Louisiana. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in LA.
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 Ruby, Louisiana
How does my credit score affect my car loan rate in Louisiana?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Ruby, Louisiana 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 Louisiana *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 Ruby, Louisiana 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 Ruby, Louisiana?
Yes. A preapproval from a bank or credit union serving Ruby, Louisiana 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 Ruby, Louisiana 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 Ruby, Louisiana?
Based on our current data, some of the lowest auto loan rates available in Ruby, Louisiana include:
- Fleur de Lis Federal Credit Union: 3.00% (New and Used Auto)
- CUSA Federal Credit Union: 3.25% (New Vehicles Loan)
- Instep Credit Union: 3.25% (New and Used Auto)
- Riverland Federal Credit Union: 3.50% (Auto Loans)
- Barksdale Federal Credit Union: 3.69% (2019 & Newer Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ruby, Louisiana. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026
Ruby, Louisiana Rates & Resources
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