Auto Loan Rates in Phoenix, Maryland (MD) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Phoenix, Maryland include WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.46% offering New or Used Vehicle Loans at 2.49%, Cedar Point Federal Credit UnionCedar Point Federal Credit UnionA+5.0 ★Texas Ratio: 3.81% offering New Auto at 3.49%, Market USA Federal Credit UnionMarket USA Federal Credit UnionA5.0 ★Texas Ratio: 5.99% offering New Auto Loan at 3.49%, Police Federal Credit UnionPolice Federal Credit UnionA+5.0 ★Texas Ratio: 1.85% offering New Autos at 3.74%, Tower Federal Credit UnionTower Federal Credit UnionA+5.0 ★Texas Ratio: 1.30% offering New Cars and Trucks Loan at 3.74%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Phoenix borrowers have access to 32 lenders serving the Maryland area, with auto loan rates as low as 2.49% APR from WEPCO 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 Phoenix, Maryland. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Phoenix, Maryland & Surrounding Area
Phoenix Auto Loan Rates
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As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; See Auto Loan Rates for details.
As Low As; Minimum Financing of $15,000 for 72 Months
As low as
As low as
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
As Low As; Monthly Payment (per $1,000 borrowed): $29.41
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As
As Low As
As Low As; 2026 & Newer
Rates as of June 11, 2026
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Monthly Payment (per $1,000 borrowed): $22.69
As Low As; Monthly Payment (per $1,000 borrowed): $29.63
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; See Auto Loan Rates for details.
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Your first Payment may be deferred up to 60 days!
As Low As; APR*
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; APR*
As Low As; APR*
As Low As; Estimated Monthly Payment: $1,042.94
As Low As; Estimated Monthly Payment: $1,042.94
As Low As; **
APR* as low as**
New Auto or Truck Purchase/Refinance As of May 15, 2026
Rates as of June 11, 2026
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As Low As
As Low As
Age of Vehicle: 1-7 years
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As Low As; First payment may be deferred for up to 90 days. Interest will continue to accrue from the date of loan disbursal and be due once payments begin. Speak with a Signal team member for complete details. Membership required. Qualified applicants that open a new Visa Platinum Rewards credit card and a vehicle loan during the promo period will receive a 5,000 reward points bonus to their credit card rewards account. Qualified applicants that open a new Visa Signature Cash Back credit card and a vehicle loan during the promo period will receive a $50 cash back reward bonus to their credit card rewards account. Bonus rewards will be granted to qualified applicants 45 days after the promo end date. Credit card must be activated in order to receive bonus rewards. Membership required. APR=Annual Percentage Rate. Rates as of June 16, 2026. The APR shown above reflects the current minimum APR offered to qualified members enrolled in Signal Smart Plus and have automatic payments from a Signal account which results in a 0.25% APR discount, and an additional 0.25% promotional discount for Auto Loan applications entered during May 18, 2026 to July 6, 2026 promotional period. For members not enrolled in Signal Smart Plus, add 0.25% APR to the above advertised rates. Signal Smart Plus and promotional discounts do not apply to internal Signal Financial loan refinances. The APR may be adjusted based on individual credit standing, term, loan-to-value, debt-to-income ratio, aggregate credit score and other underwriting factors. Maximum financed amount is determined by your credit score and a down payment may be required. Please apply or contact a Credit Union representative to determine the rate and term for which you qualify. Not all applicants will qualify or qualify for the lowest rate. Rates and terms are subject to change at any time without notice. Membership required.
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As; APR*
As low as
As low as
As Low As; **
As Low As; Monthly Payment (per $1,000 borrowed): $15.98
As Low As; Monthly Payment (per $1,000 borrowed): $22.91
Rates as of June 11, 2026
As Low As; APR*
APR* as low as**
Used Auto or Truck Purchase/Refinance As of May 15, 2026
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As Low As
As Low As
As Low As
As Low As; **
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
As Low As; APR*
As Low As
Rates as of June 11, 2026
Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; 2023 - 2025*
Rates as of June 11, 2026
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As Low As
As Low As
$25; As Low As
As Low As
As low as
As low as
As Low As; APR*
As Low As; APR*
As Low As; Estimated Monthly Payment: $811.61
As Low As; Estimated Monthly Payment: 811.61
As Low As
As Low As; **
As Low As; 12-84 Months available
As Low As; Monthly Payment (per $1,000 borrowed): $16.22
Rates as of June 11, 2026
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; See Auto Loan Rates for details.
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As*
As Low As; APR*
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $669.83
As Low As
As Low As; **
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Up to $15,000; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.
As Low As
As Low As
As Low As
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As
As Low As; Used Vehicles
As Low As
Age of Vehicle: ** Vehicle must be 10 model years or newer at the end of the 84 month term.
As Low As
As Low As
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; APR*
As low as
As low as
As Low As; APR*
As Low As; Estimated Monthly Payment: $577.17
As Low As
As Low As; Monthly Payment (per $1,000 borrowed): $14.48
Rates as of June 11, 2026
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
APR* as low as**
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As
As Low As
Rates as of June 11, 2026
As Low As; Used Vehicles
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As
Up to 135% of Car Value (Minimum $15,000)
Up to 135% of Car Value (Minimum $15,000)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; APR*
As Low As; Estimated Monthly Payment: $581.37
As Low As; **
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
As Low As
Rates as of June 11, 2026
As Low As
As Low As
As Low As
As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing. Rates may change without notice. All loans subject to credit approval.
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As Low As
As Low As
As Low As
As Low As; Estimated Monthly Payment: $516.72
As Low As; Monthly Payment (per $1,000 borrowed): $14.72
The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Phoenix New Auto Auto Loan Rates
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; See Auto Loan Rates for details.
As Low As; Minimum Financing of $15,000 for 72 Months
As low as
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
As Low As; Monthly Payment (per $1,000 borrowed): $29.41
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As
As Low As
Rates as of June 11, 2026
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Monthly Payment (per $1,000 borrowed): $22.69
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; See Auto Loan Rates for details.
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; APR*
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; APR*
As Low As; Estimated Monthly Payment: $1,042.94
As Low As; **
APR* as low as**
New Auto or Truck Purchase/Refinance As of May 15, 2026
Rates as of June 11, 2026
As Low As
As Low As
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
As low as
As Low As; **
As Low As; Monthly Payment (per $1,000 borrowed): $15.98
As Low As; APR*
APR* as low as**
As Low As
As Low As
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Rates as of June 11, 2026
Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As
As Low As
$25; As Low As
As low as
As Low As; APR*
As Low As; Estimated Monthly Payment: $811.61
As Low As
As Low As; 12-84 Months available
Rates as of June 11, 2026
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
As Low As; See Auto Loan Rates for details.
As Low As; APR*
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As
As Low As
As Low As; **
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Up to 135% of Car Value
Up to 135% of Car Value
As low as
As Low As; APR*
As Low As; Estimated Monthly Payment: $577.17
As Low As
As Low As; Monthly Payment (per $1,000 borrowed): $14.48
APR* as low as**
$15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As
As Low As
Rates as of June 11, 2026
As Low As; Rate includes 0.25% off for automatic-debit of loan payment from NIHFCU savings or checking account.
Up to 135% of Car Value (Minimum $15,000)
Up to 135% of Car Value (Minimum $15,000)
As Low As
As Low As
As Low As
As Low As
As Low As; Estimated Monthly Payment: $516.72
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Phoenix Used Auto Auto Loan Rates
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Minimum Financing of $15,000 for 72 Months
As low as
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As; Minimum Financing of $25,000 for 84 Months
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; Monthly Payment (per $1,000 borrowed): $29.63
As Low As
Rates are subject to change and based on creditworthiness. Other rates may apply.
Up to 135% of Car Value
Up to 135% of Car Value
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As; APR*
As Low As; Estimated Monthly Payment: $1,042.94
As Low As
Age of Vehicle: 1-7 years
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As; APR*
As low as
As Low As; Monthly Payment (per $1,000 borrowed): $22.91
Rates as of June 11, 2026
Used Auto or Truck Purchase/Refinance As of May 15, 2026
As Low As
As Low As
As Low As
As Low As
As Low As; **
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
As Low As; APR*
As Low As
As Low As; Up to $15,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Rates as of June 11, 2026
As Low As
$25; As Low As
As Low As
As low as
As Low As; APR*
As Low As; Estimated Monthly Payment: 811.61
As Low As
As Low As; **
As Low As; 12-84 Months available
As Low As; Monthly Payment (per $1,000 borrowed): $16.22
Rates are subject to change and based on creditworthiness. Other rates may apply.
As Low As
As Low As
As Low As; APR*
As Low As; Estimated Monthly Payment: $669.83
As Low As
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2023 to current model year. Add 2.00% to above pricing for all overseas vehicle loans.
Up to $15,000; Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. New member discount is not applicable.
As Low As; Used Vehicles
Age of Vehicle: ** Vehicle must be 10 model years or newer at the end of the 84 month term.
As Low As
Up to 135% of Car Value
Up to 135% of Car Value
As Low As; APR*
As low as
As Low As
Rates as of June 11, 2026
As Low As; $15,000 to $35,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications are subject to change. Payment examples do not include debt protection coverage.
As Low As; Used Vehicles
As Low As
Up to 135% of Car Value (Minimum $15,000)
Up to 135% of Car Value (Minimum $15,000)
As Low As; APR*
As Low As; Estimated Monthly Payment: $581.37
As Low As; **
Rates as of June 11, 2026
As Low As
As Low As
As Low As
As Low As; Monthly Payment (per $1,000 borrowed): $14.72
Phoenix, MD Auto Loan Rate Trends
Compare local Phoenix, MD 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.
Maryland new auto rates fell 0.088 points over the past 7 days to 5.189% APR.
Maryland used auto rates fell 0.183 points over the past 7 days to 6.468% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Phoenix, Maryland 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 Phoenix, Maryland 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 Phoenix, Maryland. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MD.
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 Phoenix, Maryland
How does my credit score affect my car loan rate in Maryland?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Phoenix, Maryland?
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans)
- Cedar Point Federal Credit Union: 3.49% (New Auto)
- Market USA Federal Credit Union: 3.49% (New Auto Loan)
- Police Federal Credit Union: 3.74% (New Autos)
- Tower Federal Credit Union: 3.74% (New Cars and Trucks Loan)
