Auto Loan Rates in Novi, Michigan (MI) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Novi, Michigan. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Novi, Michigan include Dfcu Financial Credit UnionDfcu Financial Credit Union39570 W 10 Mile Rd, Novi, MI, 48375A+5.0 ★Texas Ratio: 1.05% offering New Vehicle with Auto Pay from DFCU Account at 4.99%, Michigan State University Federal Credit UnionMichigan State University Federal Credit Union43420 Grand River Ave, Novi, MI, 48375A5.0 ★Texas Ratio: 9.68% offering New, Used, Refinance and Cash Out Refinance Business Auto Loans at 5.49%, ABD Federal Credit UnionABD Federal Credit UnionA+5.0 ★Texas Ratio: 2.11% offering New and Used Auto Loans at 3.25%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.95%, Aeroquip Credit UnionAeroquip Credit UnionA+5.0 ★Texas Ratio: 2.13% offering New/Used Auto at 3.99%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.
Novi has 2 local institutions in our database, with auto loan rates as low as 4.99% APR from Dfcu Financial Credit Union at 39570 W 10 Mile Rd, Novi, MI, 48375. 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 Novi, Michigan. Auto Loan Rates Last Updated and Verified: May 4, 2026
Compare Auto Loan Rates Today in Novi, Michigan & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
39570 W 10 Mile Rd, Novi, MI, 48375
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 4.99%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
39570 W 10 Mile Rd, Novi, MI, 48375
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 4.99%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
39570 W 10 Mile Rd, Novi, MI, 48375
New Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 5.24%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
39570 W 10 Mile Rd, Novi, MI, 48375
Used Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 5.24%
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Auto Loan
5.99%
49 to 60 months
▼
APR5.99%
Term49 to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
6.09%
37 to 48 months
▼
APR6.09%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
6.49%
49 to 60 months
▼
APR6.49%
Term49 to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 0-36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Michigan One Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Vehicle Refinance
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
Extra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.54%
Vehicle Loans
4.07%
Up to 96 Months
▼
APR4.07%
TermUp to 96 Months
Last UpdatedMay 2, 2026
Details
As Low As; Specific rates are based on credit history and are determined after the application is reviewed. *APR is Annual Percentage Rate and includes the cost of the loan. Costs vary from $45-$75 and are assessed by loan amount. 96 monthly payments of $12.19 per $1,000 borrowed.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Car
4.24%
Up to 72 months
▼
APR4.24%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 25, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
4.25%
Term Based on Loan Amount - Up to 84 Months
▼
APR4.25%
TermTerm Based on Loan Amount - Up to 84 Months
Last UpdatedApr 27, 2026
Details
Credit Score: 800+; Rate with 0% Down: 4.25%
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (54 month term)
4.25%
up to 54 months
▼
APR4.25%
Termup to 54 months
Last UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (66 month term)
4.25%
up to 66 months
▼
APR4.25%
Termup to 66 months
Last UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (78 month term)
4.25%
up to 78 months
▼
APR4.25%
Termup to 78 months
Last UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
4.44%
up to 48 months
▼
APR4.44%
Termup to 48 months
Last UpdatedApr 25, 2026
Details
As Low As; 2020 - 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Military APR: 3.740%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.49%
37-48 Months
▼
APR4.49%
Term37-48 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 37-48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 49-60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.49%
Up to 39
▼
APR4.49%
TermUp to 39
Last UpdatedMay 2, 2026
Details
As Low As; Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
NEW VEHICLES
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As; 24 Months - Longer terms/rates available, call for details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 36 Month
4.58%
36 Month
▼
APR4.58%
Term36 Month
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
4.69%
49 - 60 months
▼
APR4.69%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; 2020 - 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.69%
40 - 64
▼
APR4.69%
Term40 - 64
Last UpdatedMay 2, 2026
Details
As Low As; Minimum Loan Amount $7,500
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 60 Month
4.71%
60 Month
▼
APR4.71%
Term60 Month
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Vehicle Loans
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As; 2015 - 2025
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2025-2023)
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 24 Month
4.74%
24 Month
▼
APR4.74%
Term24 Month
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
Military APR: 3.990%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.74%
61-66 Months
▼
APR4.74%
Term61-66 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 61-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 2, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
APR as low as
Zeal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
Auto Loans
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedMay 2, 2026
Details
As Low As
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans up to 60 months
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; 4.74%
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Auto Up To 72 Months
4.75%
Apply Today
▼
APR4.75%
TermApply Today
Last UpdatedMay 2, 2026
Details
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New Vehicles
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos - 36 Months
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos - 36 Months
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedMay 2, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Used Auto
4.75%
72-78 months
▼
APR4.75%
Term72-78 months
Last UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 48 Month
4.76%
48 Month
▼
APR4.76%
Term48 Month
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Marshall Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
Vehicle Loan
4.89%
0 - 42 Months
▼
APR4.89%
Term0 - 42 Months
Last UpdatedMay 2, 2026
Details
As low as
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.89%
65 - 75
▼
APR4.89%
Term65 - 75
Last UpdatedMay 2, 2026
Details
As Low As; Minimum Loan Amount $10,000
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 72 Month
4.92%
72 Month
▼
APR4.92%
Term72 Month
Last UpdatedApr 25, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
4.94%
61 - 72 months
▼
APR4.94%
Term61 - 72 months
Last UpdatedApr 25, 2026
Details
As Low As; 2020 - 2026
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
New & Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Recreational Titled Vehicle Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
As Low As
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Vehicle Loans
4.99%
73 to 84 months
▼
APR4.99%
Term73 to 84 months
Last UpdatedApr 25, 2026
Details
2015 - 2025
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 24 Month
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW AUTO LOAN - 60 MONTHS
4.99%
60 M
▼
APR4.99%
Term60 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW AUTO LOAN 24 MTHS
4.99%
24 M
▼
APR4.99%
Term24 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW AUTO LOAN 36 MONTHS
4.99%
36 M
▼
APR4.99%
Term36 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW AUTO LOAN 48 MONTHS
4.99%
48 M
▼
APR4.99%
Term48 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 24 MONTHS
4.99%
24 M
▼
APR4.99%
Term24 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 36 MONTHS
4.99%
36 M
▼
APR4.99%
Term36 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 48 MONTHS
4.99%
48 M
▼
APR4.99%
Term48 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 60 MONTHS
4.99%
60 M
▼
APR4.99%
Term60 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedMay 2, 2026
Details
Military APR: 4.240%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.99%
67-72 Months
▼
APR4.99%
Term67-72 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 67-72 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2019-2022
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
APR as low as
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details
APR as low as
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Auto Loan
4.99%
12-36 Months
▼
APR4.99%
Term12-36 Months
Last UpdatedMay 2, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Newer Autos
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2024 and Newer Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
4.99%
24 - 39
▼
APR4.99%
Term24 - 39
Last UpdatedMay 2, 2026
Details
As Low As; Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Used vehicles 2018-2023
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedApr 17, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
New Vehicle
5.00%
24-84 Months
▼
APR5.00%
Term24-84 Months
Last UpdatedApr 18, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
Used Vehicle
5.00%
24-84 Months
▼
APR5.00%
Term24-84 Months
Last UpdatedApr 18, 2026
Details
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loan
5.00%
FOR UP TO 36 MONTHS
▼
APR5.00%
TermFOR UP TO 36 MONTHS
Last UpdatedApr 25, 2026
Details
Rates as low as
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto
5.00%
Up to 36 Months
▼
APR5.00%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 48 Month
5.00%
48 Month
▼
APR5.00%
Term48 Month
Last UpdatedApr 25, 2026
Details
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Auto 73 To 84 Months
5.00%
Apply Today
▼
APR5.00%
TermApply Today
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 36 Month
5.08%
36 Month
▼
APR5.08%
Term36 Month
Last UpdatedApr 25, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan; Autos 2018 - Newer; 12 to 60 Months
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan; Autos Any Model Year; 12 to 48 Months
5.09%
12 to 48 Months
▼
APR5.09%
Term12 to 48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loans
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedMay 2, 2026
Details
Frankenmuth Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.43%
Auto Loan Special
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
5.19%
73 - 84 months
▼
APR5.19%
Term73 - 84 months
Last UpdatedApr 25, 2026
Details
As Low As; 2023 - 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
5.19%
76 - 88
▼
APR5.19%
Term76 - 88
Last UpdatedMay 2, 2026
Details
As Low As; Minimum Loan Amount $15,000
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans
5.20%
36-month term
▼
APR5.20%
Term36-month term
Last UpdatedMay 2, 2026
Details
As Low As; 5.20%
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 60 Month
5.21%
60 Month
▼
APR5.21%
Term60 Month
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2022-2018)
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedApr 25, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 24 MONTHS
5.24%
24 M
▼
APR5.24%
Term24 M
Last UpdatedMay 2, 2026
Details
2018-2020 Vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 36 MONTHS
5.24%
24 M
▼
APR5.24%
Term24 M
Last UpdatedMay 2, 2026
Details
2018-2020 Vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 48 MONTHS
5.24%
24 M
▼
APR5.24%
Term24 M
Last UpdatedMay 2, 2026
Details
2018-2020 Vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 60 MONTHS
5.24%
24 M
▼
APR5.24%
Term24 M
Last UpdatedMay 2, 2026
Details
2018-2020 Vehicle/Additional 0.50% off for auto pay!
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan; Autos 2021 - Newer; 61 to 72 Months
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedMay 2, 2026
Details
Military APR: 4.490%
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 2, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2019-2022
5.24%
49-60 months
▼
APR5.24%
Term49-60 months
Last UpdatedMay 2, 2026
Details
APR as low as
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedMay 2, 2026
Details
APR as low as
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans 61-72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 5.24%
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2017 to current Used Vehicles
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
5.25%
Term Based on Loan Amount - Up to 84 Months
▼
APR5.25%
TermTerm Based on Loan Amount - Up to 84 Months
Last UpdatedApr 27, 2026
Details
Credit Score: 700-749; Rate with 0% Down: 5.25%
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Auto/Motocycle
5.25%
Multiple Terms Available
▼
APR5.25%
TermMultiple Terms Available
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos - 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos - 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
New Auto
5.25%
60 M
▼
APR5.25%
Term60 M
Last UpdatedMay 2, 2026
Details
Rates starting @ 4.25%, based on individual credit.
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
Used Auto 2017 or Newer
5.25%
60 M
▼
APR5.25%
Term60 M
Last UpdatedMay 2, 2026
Details
Rates starting @ 4.25%, based on individual credit.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos - 72 Months
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos - 72 Months
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 2, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loans 2024 & Newer
5.31%
84 Months
▼
APR5.31%
Term84 Months
Last UpdatedMay 4, 2026
Details
Up to 84 months
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
5.34%
up to 48 months
▼
APR5.34%
Termup to 48 months
Last UpdatedApr 25, 2026
Details
As Low As; 2019 & older
Lake Trust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
Auto Loan
5.39%
Up to 84 months
▼
APR5.39%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
As Low As; Members may be eligible to receive a 0.50% discount. Range of rates published below do not include the 0.50% discount.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 72 Month
5.43%
72 Month
▼
APR5.43%
Term72 Month
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans
5.45%
72-month term
▼
APR5.45%
Term72-month term
Last UpdatedMay 2, 2026
Details
As Low As; 5.45%
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr =annual percent
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Vehicle
5.49%
Up to 36
▼
APR5.49%
TermUp to 36
Last UpdatedApr 25, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 24 MONTHS
5.49%
24 M
▼
APR5.49%
Term24 M
Last UpdatedMay 2, 2026
Details
2017 or older vehicle / 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 36 MONTHS
5.49%
24 M
▼
APR5.49%
Term24 M
Last UpdatedMay 2, 2026
Details
2017 or older vehicle / 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 48 MONTHS
5.49%
24 M
▼
APR5.49%
Term24 M
Last UpdatedMay 2, 2026
Details
2017 or older vehicle / 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 60 MONTHS
5.49%
24 M
▼
APR5.49%
Term24 M
Last UpdatedMay 2, 2026
Details
2017 or older vehicle / 0.50% off for auto pay!
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedMay 2, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto (2023 and newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rates as low as 5.49% APR*
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2019-2022
5.49%
61-72 months
▼
APR5.49%
Term61-72 months
Last UpdatedMay 2, 2026
Details
APR as low as
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Auto Loan
5.49%
up to 36 months
▼
APR5.49%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
Preferred Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
Auto Loan Special
5.49%
60 Month
▼
APR5.49%
Term60 Month
Last UpdatedMay 2, 2026
Details
2024 & Newer
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
Auto Loans 73 to 84 months
5.49%
73 to 84 months
▼
APR5.49%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As; 5.49%
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.88%
Auto Loan
5.49%
40 - 64
▼
APR5.49%
Term40 - 64
Last UpdatedMay 2, 2026
Details
As Low As; Minimum Loan Amount $7,500
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
Used Auto 2021 & Older
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Used vehicles 2018-2023
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2021-2023 Model Years
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedApr 25, 2026
Details
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
USED AUTO 18-24 MODELS
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As; 24 Months, Longer Terms/Rates available - call for details
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New Vehicles
5.50%
37 to 48 Months
▼
APR5.50%
Term37 to 48 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loans 2022 & Newer
5.57%
72 Months
▼
APR5.57%
Term72 Months
Last UpdatedMay 4, 2026
Details
Up to 72 months
Integra First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Recreational Titled Vehicle Loans
5.59%
84 months
▼
APR5.59%
Term84 months
Last UpdatedApr 25, 2026
Details
As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
NEW CAR -20K
5.59%
66 Month Max
▼
APR5.59%
Term66 Month Max
Last UpdatedMay 2, 2026
Details
$15; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
NEW CAR K
5.59%
60 Month Max
▼
APR5.59%
Term60 Month Max
Last UpdatedMay 2, 2026
Details
UP TO $15; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
NEW CAR K & UP
5.59%
72 Month Max
▼
APR5.59%
Term72 Month Max
Last UpdatedMay 2, 2026
Details
$20; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
USED CAR -10K
5.59%
48 Month Max
▼
APR5.59%
Term48 Month Max
Last UpdatedMay 2, 2026
Details
$5; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
USED CAR -15K
5.59%
60 Month Max
▼
APR5.59%
Term60 Month Max
Last UpdatedMay 2, 2026
Details
$10; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
USED CAR -20K
5.59%
66 Month Max
▼
APR5.59%
Term66 Month Max
Last UpdatedMay 2, 2026
Details
$15; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
USED CAR K & UP
5.59%
72 Month Max
▼
APR5.59%
Term72 Month Max
Last UpdatedMay 2, 2026
Details
$20; As Low As
Marshall Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
Vehicle Loan
5.64%
43 - 60 Months
▼
APR5.64%
Term43 - 60 Months
Last UpdatedMay 2, 2026
Details
As low as
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 84 Month
5.65%
84 Month
▼
APR5.65%
Term84 Month
Last UpdatedApr 25, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Automobiles
5.69%
49 - 60 months
▼
APR5.69%
Term49 - 60 months
Last UpdatedApr 25, 2026
Details
As Low As; 2019 & older
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
39570 W 10 Mile Rd, Novi, MI, 48375
New Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 4.99%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
39570 W 10 Mile Rd, Novi, MI, 48375
New Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 5.24%
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Auto Loan
5.99%
49 to 60 months
▼
APR5.99%
Term49 to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
6.09%
37 to 48 months
▼
APR6.09%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
6.49%
49 to 60 months
▼
APR6.49%
Term49 to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 0-36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Car
4.24%
Up to 72 months
▼
APR4.24%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedApr 25, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
4.25%
Term Based on Loan Amount - Up to 84 Months
▼
APR4.25%
TermTerm Based on Loan Amount - Up to 84 Months
Last UpdatedApr 27, 2026
Details
Credit Score: 800+; Rate with 0% Down: 4.25%
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (54 month term)
4.25%
up to 54 months
▼
APR4.25%
Termup to 54 months
Last UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (66 month term)
4.25%
up to 66 months
▼
APR4.25%
Termup to 66 months
Last UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
New Auto (78 month term)
4.25%
up to 78 months
▼
APR4.25%
Termup to 78 months
Last UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Military APR: 3.740%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.49%
37-48 Months
▼
APR4.49%
Term37-48 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 37-48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 49-60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
NEW VEHICLES
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As; 24 Months - Longer terms/rates available, call for details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 36 Month
4.58%
36 Month
▼
APR4.58%
Term36 Month
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 60 Month
4.71%
60 Month
▼
APR4.71%
Term60 Month
Last UpdatedApr 25, 2026
Details
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 24 Month
4.74%
24 Month
▼
APR4.74%
Term24 Month
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
Military APR: 3.990%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.74%
61-66 Months
▼
APR4.74%
Term61-66 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 61-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 2, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details
APR as low as
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Auto Up To 72 Months
4.75%
Apply Today
▼
APR4.75%
TermApply Today
Last UpdatedMay 2, 2026
Details
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New Vehicles
4.75%
Up to 36 Months
▼
APR4.75%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos - 36 Months
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedMay 2, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 48 Month
4.76%
48 Month
▼
APR4.76%
Term48 Month
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 72 Month
4.92%
72 Month
▼
APR4.92%
Term72 Month
Last UpdatedApr 25, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
New & Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW AUTO LOAN - 60 MONTHS
4.99%
60 M
▼
APR4.99%
Term60 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW AUTO LOAN 24 MTHS
4.99%
24 M
▼
APR4.99%
Term24 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW AUTO LOAN 36 MONTHS
4.99%
36 M
▼
APR4.99%
Term36 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
NEW AUTO LOAN 48 MONTHS
4.99%
48 M
▼
APR4.99%
Term48 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedMay 2, 2026
Details
Military APR: 4.240%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.99%
67-72 Months
▼
APR4.99%
Term67-72 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 67-72 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details
APR as low as
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New Auto Loan
4.99%
12-36 Months
▼
APR4.99%
Term12-36 Months
Last UpdatedMay 2, 2026
Details
Bloom Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Newer Autos
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As
Intandem Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan Special (2023 & newer)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
West Michigan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2024 and Newer Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
New Vehicle
5.00%
24-84 Months
▼
APR5.00%
Term24-84 Months
Last UpdatedApr 18, 2026
Details
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Auto Loan
5.00%
FOR UP TO 36 MONTHS
▼
APR5.00%
TermFOR UP TO 36 MONTHS
Last UpdatedApr 25, 2026
Details
Rates as low as
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto
5.00%
Up to 36 Months
▼
APR5.00%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto 37 to 84 Months
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedApr 25, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
New Auto Up to 36 Months
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedApr 25, 2026
Details
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
New Auto 73 To 84 Months
5.00%
Apply Today
▼
APR5.00%
TermApply Today
Last UpdatedMay 2, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan; Autos 2018 - Newer; 12 to 60 Months
5.09%
12 to 60 Months
▼
APR5.09%
Term12 to 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans
5.20%
36-month term
▼
APR5.20%
Term36-month term
Last UpdatedMay 2, 2026
Details
As Low As; 5.20%
Allegheny Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
New Vehicle Loan
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Current Year + 2 Years
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 25, 2026
Details
Wildfire Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan; Autos 2021 - Newer; 61 to 72 Months
5.24%
61 to 72 Months
▼
APR5.24%
Term61 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedMay 2, 2026
Details
Military APR: 4.490%
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 2, 2026
Details
Alliance Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
Auto Loans 2023 & Newer
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedMay 2, 2026
Details
APR as low as
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
5.25%
Term Based on Loan Amount - Up to 84 Months
▼
APR5.25%
TermTerm Based on Loan Amount - Up to 84 Months
Last UpdatedApr 27, 2026
Details
Credit Score: 700-749; Rate with 0% Down: 5.25%
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos - 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
New Auto
5.25%
60 M
▼
APR5.25%
Term60 M
Last UpdatedMay 2, 2026
Details
Rates starting @ 4.25%, based on individual credit.
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
Used Auto 2017 or Newer
5.25%
60 M
▼
APR5.25%
Term60 M
Last UpdatedMay 2, 2026
Details
Rates starting @ 4.25%, based on individual credit.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
New Autos - 72 Months
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 2, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loans 2024 & Newer
5.31%
84 Months
▼
APR5.31%
Term84 Months
Last UpdatedMay 4, 2026
Details
Up to 84 months
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans
5.45%
72-month term
▼
APR5.45%
Term72-month term
Last UpdatedMay 2, 2026
Details
As Low As; 5.45%
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr =annual percent
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Vehicle
5.49%
Up to 36
▼
APR5.49%
TermUp to 36
Last UpdatedApr 25, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedMay 2, 2026
Details
Monroe Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto (2023 and newer)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Rates as low as 5.49% APR*
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Montcalm Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New Vehicles
5.50%
37 to 48 Months
▼
APR5.50%
Term37 to 48 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Auto Loans 2022 & Newer
5.57%
72 Months
▼
APR5.57%
Term72 Months
Last UpdatedMay 4, 2026
Details
Up to 72 months
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
NEW CAR -20K
5.59%
66 Month Max
▼
APR5.59%
Term66 Month Max
Last UpdatedMay 2, 2026
Details
$15; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
NEW CAR K
5.59%
60 Month Max
▼
APR5.59%
Term60 Month Max
Last UpdatedMay 2, 2026
Details
UP TO $15; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
NEW CAR K & UP
5.59%
72 Month Max
▼
APR5.59%
Term72 Month Max
Last UpdatedMay 2, 2026
Details
$20; As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
New Auto (2025-2026) 84 Month
5.65%
84 Month
▼
APR5.65%
Term84 Month
Last UpdatedApr 25, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
39570 W 10 Mile Rd, Novi, MI, 48375
Used Vehicle with Auto Pay from DFCU Account
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 4.99%
Dfcu Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
39570 W 10 Mile Rd, Novi, MI, 48375
Used Vehicle without Auto Pay
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As low as 5.24%
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Auto Loan
5.99%
49 to 60 months
▼
APR5.99%
Term49 to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
6.09%
37 to 48 months
▼
APR6.09%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
43420 Grand River Ave, Novi, MI, 48375
New, Used, Refinance and Cash Out Refinance Business Auto Loans
6.49%
49 to 60 months
▼
APR6.49%
Term49 to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 0-36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
4.25%
Term Based on Loan Amount - Up to 84 Months
▼
APR4.25%
TermTerm Based on Loan Amount - Up to 84 Months
Last UpdatedApr 27, 2026
Details
Credit Score: 800+; Rate with 0% Down: 4.25%
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
Military APR: 3.740%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.49%
37-48 Months
▼
APR4.49%
Term37-48 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 37-48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 49-60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2025-2023)
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedApr 25, 2026
Details
As Low As
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
Military APR: 3.990%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.74%
61-66 Months
▼
APR4.74%
Term61-66 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 61-66 Months
4.74%
66 Months
▼
APR4.74%
Term66 Months
Last UpdatedMay 2, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans: New and Used 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos - 36 Months
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 2, 2026
Details
Alpena-Alcona Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
Used Auto
4.75%
72-78 months
▼
APR4.75%
Term72-78 months
Last UpdatedMay 4, 2026
Details
As Low As; Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 2, 2026
Details
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
4.80%
Up to 60 Months
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
American 1 Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.10%
New & Used Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Used Cars and Trucks
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 24 Month
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedApr 25, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 25, 2026
Details
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 24 MONTHS
4.99%
24 M
▼
APR4.99%
Term24 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 36 MONTHS
4.99%
36 M
▼
APR4.99%
Term36 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 48 MONTHS
4.99%
48 M
▼
APR4.99%
Term48 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 60 MONTHS
4.99%
60 M
▼
APR4.99%
Term60 M
Last UpdatedMay 2, 2026
Details
2021 or newer vehicle/Additional 0.50% off for auto pay!
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
4.99%
Up to 72 Months > $15k
▼
APR4.99%
TermUp to 72 Months > $15k
Last UpdatedMay 2, 2026
Details
Military APR: 4.240%
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto
4.99%
67-72 Months
▼
APR4.99%
Term67-72 Months
Last UpdatedMay 2, 2026
Details
Aeroquip Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
New/Used Auto - 67-72 Months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 2, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Used vehicles 2018-2023
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedApr 17, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.04%
Used Vehicle
5.00%
24-84 Months
▼
APR5.00%
Term24-84 Months
Last UpdatedApr 18, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 48 Month
5.00%
48 Month
▼
APR5.00%
Term48 Month
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 36 Month
5.08%
36 Month
▼
APR5.08%
Term36 Month
Last UpdatedApr 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans
5.20%
36-month term
▼
APR5.20%
Term36-month term
Last UpdatedMay 2, 2026
Details
As Low As; 5.20%
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 60 Month
5.21%
60 Month
▼
APR5.21%
Term60 Month
Last UpdatedApr 25, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
Used Car (2022-2018)
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedApr 25, 2026
Details
As Low As
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 24 MONTHS
5.24%
24 M
▼
APR5.24%
Term24 M
Last UpdatedMay 2, 2026
Details
2018-2020 Vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 36 MONTHS
5.24%
24 M
▼
APR5.24%
Term24 M
Last UpdatedMay 2, 2026
Details
2018-2020 Vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 48 MONTHS
5.24%
24 M
▼
APR5.24%
Term24 M
Last UpdatedMay 2, 2026
Details
2018-2020 Vehicle/Additional 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 60 MONTHS
5.24%
24 M
▼
APR5.24%
Term24 M
Last UpdatedMay 2, 2026
Details
2018-2020 Vehicle/Additional 0.50% off for auto pay!
FreeStar Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New or Used Vehicles
5.24%
Up to 84 Months > $25k
▼
APR5.24%
TermUp to 84 Months > $25k
Last UpdatedMay 2, 2026
Details
Military APR: 4.490%
TLC Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New and Used Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 2, 2026
Details
Electrical Workers Local 58 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2017 to current Used Vehicles
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; apr = annual percent rate
Circle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New & Used Vehicle
5.25%
Term Based on Loan Amount - Up to 84 Months
▼
APR5.25%
TermTerm Based on Loan Amount - Up to 84 Months
Last UpdatedApr 27, 2026
Details
Credit Score: 700-749; Rate with 0% Down: 5.25%
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Used Auto/Motocycle
5.25%
Multiple Terms Available
▼
APR5.25%
TermMultiple Terms Available
Last UpdatedMay 2, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos - 60 Months
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 2, 2026
Details
River Valley Credit Union Ada, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
Used Auto 2017 or Newer
5.25%
60 M
▼
APR5.25%
Term60 M
Last UpdatedMay 2, 2026
Details
Rates starting @ 4.25%, based on individual credit.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.27%
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedApr 25, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Embers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Used Autos - 72 Months
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 2, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
Used Auto (2018-2024) 72 Month
5.43%
72 Month
▼
APR5.43%
Term72 Month
Last UpdatedApr 25, 2026
Details
Community West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
New & Used Auto Loans
5.45%
72-month term
▼
APR5.45%
Term72-month term
Last UpdatedMay 2, 2026
Details
As Low As; 5.45%
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 24 MONTHS
5.49%
24 M
▼
APR5.49%
Term24 M
Last UpdatedMay 2, 2026
Details
2017 or older vehicle / 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 36 MONTHS
5.49%
24 M
▼
APR5.49%
Term24 M
Last UpdatedMay 2, 2026
Details
2017 or older vehicle / 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 48 MONTHS
5.49%
24 M
▼
APR5.49%
Term24 M
Last UpdatedMay 2, 2026
Details
2017 or older vehicle / 0.50% off for auto pay!
Great Lakes Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
USED AUTO LOAN - 60 MONTHS
5.49%
24 M
▼
APR5.49%
Term24 M
Last UpdatedMay 2, 2026
Details
2017 or older vehicle / 0.50% off for auto pay!
Public Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New/Used Vehicle
5.49%
61-72 Months
▼
APR5.49%
Term61-72 Months
Last UpdatedMay 2, 2026
Details
United Churches Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used Auto Loan
5.49%
up to 36 months
▼
APR5.49%
Termup to 36 months
Last UpdatedMay 2, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.15%
Used Auto 2021 & Older
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Tandem Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.73%
Used vehicles 2018-2023
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Used Auto: 2021-2023 Model Years
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedApr 25, 2026
Details
Northwest Consumers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
USED AUTO 18-24 MODELS
5.50%
24 Months
▼
APR5.50%
Term24 Months
Last UpdatedApr 25, 2026
Details
As Low As; 24 Months, Longer Terms/Rates available - call for details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
USED CAR -10K
5.59%
48 Month Max
▼
APR5.59%
Term48 Month Max
Last UpdatedMay 2, 2026
Details
$5; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
USED CAR -15K
5.59%
60 Month Max
▼
APR5.59%
Term60 Month Max
Last UpdatedMay 2, 2026
Details
$10; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
USED CAR -20K
5.59%
66 Month Max
▼
APR5.59%
Term66 Month Max
Last UpdatedMay 2, 2026
Details
$15; As Low As
Tri Cities Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
USED CAR K & UP
5.59%
72 Month Max
▼
APR5.59%
Term72 Month Max
Last UpdatedMay 2, 2026
Details
$20; As Low As
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MonitorBankRates
Novi, MI Auto Loan Rate Trends
Compare local Novi, MI 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 — MI Avg
5.632%
▲ 0.381 vs 7 days ago
Michigan new auto rates rose 0.381 points over the past 7 days to 5.632% APR.
Used Auto Loan — MI Avg
6.351%
▲ 0.708 vs 7 days ago
Michigan used auto rates rose 0.708 points over the past 7 days to 6.351% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Novi, Michigan
How does my credit score affect my car loan rate in Michigan?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Novi, Michigan 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 Michigan *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 Novi, Michigan typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Novi, Michigan?
Based on our current data, some of the lowest auto loan rates available in Novi, Michigan include:
- Dfcu Financial Credit Union: 4.99% (New Vehicle with Auto Pay from DFCU Account)
- Michigan State University Federal Credit Union: 5.49% (New, Used, Refinance and Cash Out Refinance Business Auto Loans)
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
- United Federal Credit Union: 3.95% (Fixed Rate New & Used Auto Loans)
- Aeroquip Credit Union: 3.99% (New/Used Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Novi, Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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