Auto Loan Rates in North Carolina (NC) for June 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 North Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in North Carolina include Internal Revenue Employees Federal Credit UnionInternal Revenue Employees Federal Credit Union4905 Koger Blvd, Greensboro, NC, 27407A+5.0 ★Texas Ratio: 0.03% offering New Car Loan at 2.90%, United Federal Credit UnionUnited Federal Credit Union209 Turnersburg Hwy, Statesville, NC, 28625 2797A+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 Gregson Dr, Cary, NC, 27511A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Members Credit Union Winston Salem, NCMembers Credit Union Winston Salem, NC2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779A+5.0 ★Texas Ratio: 2.81% offering AUTO LOAN at 3.51%, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union5712 Creedmoor Rd, Raleigh, NC, 27612A+5.0 ★Texas Ratio: 3.88% offering New Auto Loans at 3.74%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across North Carolina side-by-side. North Carolina auto loan rates currently start as low as 2.90% APR from Internal Revenue Employees Federal Credit Union at 4905 Koger Blvd, Greensboro, NC, 27407. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in North Carolina. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in North Carolina
North Carolina Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
New Car Loan
2.90%
up to 84 months
▼
APR2.90%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Used Car Loan
2.90%
up to 60 months
▼
APR2.90%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Limited-time offer. Rate requires autopay from a United checking account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
AUTO LOAN
3.51%
36-MO
▼
APR3.51%
Term36-MO
Last UpdatedJun 16, 2026
Details
As Low As; 96 Month Financing Now Available
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.74%
12-36 Months
▼
APR3.74%
Term12-36 Months
Last UpdatedJun 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 0-36 Months Loan
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.62%
3700 South Blvd, Charlotte, NC, 28209
Auto Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown are for qualified borrowers only. All loans are subject to credit approval. Rates and terms are based on creditworthiness, loan amount and collateral. Rates may vary or change at any time. Payment Example: $30,000 at 3.99% APR for 48 months would be approximately $677/month.
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2026 & Newer
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; 5.74%
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
New Auto (Less than 10,000 miles)
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedJun 16, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.34%
12-36 Months
▼
APR4.34%
Term12-36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
1700 Russ Ave, Waynesville, NC, 28786 5807
Auto Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJun 11, 2026
Details
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
10926 David Taylor Dr Ste 110, Charlotte, NC, 28262 1042
Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Your first Payment may be deferred up to 60 days!
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As low as
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
Finance up to 80% of MSRP according to Black Book
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
4.69%
1-66 Months
▼
APR4.69%
Term1-66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 1-60 Months) Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.74%
49 to 66 months
▼
APR4.74%
Term49 to 66 months
Last UpdatedJun 16, 2026
Details
As Low As; 5.99%
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
Year Model 2024-2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2020-2021
4.75%
max term 54 months
▼
APR4.75%
Termmax term 54 months
Last UpdatedJun 16, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Current or Prior Year - less than 10,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
4.75%
Up to 36 months
▼
APR4.75%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.89%
49 to 66 months
▼
APR4.89%
Term49 to 66 months
Last UpdatedJun 16, 2026
Details
As Low As; 6.34%
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 72 Months
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans
4.99%
Up to 72
▼
APR4.99%
TermUp to 72
Last UpdatedJun 16, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 780 & Higher
4.99%
Up to 72
▼
APR4.99%
TermUp to 72
Last UpdatedJun 16, 2026
Details
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As low as
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Rates as Low as; Fixed
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.00%
Up to 84 Months
▼
APR5.00%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics: Up to 60 Months Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; *** applies to Used Cars, Trucks, SUVs, and Classics
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Vehicle Loan
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
New Car Loan
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJun 16, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC, 27103 4625
New Autos
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.09%
67 to 84 months
▼
APR5.09%
Term67 to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; 7.04%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2023 - 2025*
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.19%
1-66 Months
▼
APR5.19%
Term1-66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 1-60 Months) Loan
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loan
5.19%
49 to 60 Months
▼
APR5.19%
Term49 to 60 Months
Last UpdatedJun 16, 2026
Details
Rates as Low as; Fixed
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.20%
67-75 Months
▼
APR5.20%
Term67-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 61-66 Months) Loan
5.20%
66 Months
▼
APR5.20%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
401 W Innes St, Salisbury, NC, 28144
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJun 16, 2026
Details
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
New Car Loans
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJun 16, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 37 - 48 Months Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedJun 16, 2026
Details
New Auto (Less than 10,000 miles)
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedJun 16, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
5.25%
61 Months - 84 Months
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedJun 16, 2026
Details
As low as
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Vehicle Loan
5.25%
49-60 Months
▼
APR5.25%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As low as
Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Used Car Loan
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJun 16, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Current or Prior Year - less than 10,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJun 16, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loans
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.35%
76-84 Months
▼
APR5.35%
Term76-84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 67-75 Months) Loan
5.35%
75 Months
▼
APR5.35%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.39%
49 to 66 months
▼
APR5.39%
Term49 to 66 months
Last UpdatedJun 16, 2026
Details
As Low As; 6.59%
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
5.49%
12-36
▼
APR5.49%
Term12-36
Last UpdatedJun 16, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
5.49%
12-36
▼
APR5.49%
Term12-36
Last UpdatedJun 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 49 - 60 Months Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Vehicle Loan
5.50%
61-72 Months
▼
APR5.50%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Vehicle Loan
5.50%
Up to 48 Months
▼
APR5.50%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3 Academy ST, Canton, NC, 28716
New and Used Cars Loan
5.50%
Up to 96 Months
▼
APR5.50%
TermUp to 96 Months
Last UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
90% financing
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC, 27103 4625
Used Autos
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedJun 16, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loans
5.59%
60 Months
▼
APR5.59%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.59%
Up to 48 months
▼
APR5.59%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; 6.89%
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loan
5.69%
61 to 72 Months
▼
APR5.69%
Term61 to 72 Months
Last UpdatedJun 16, 2026
Details
Rates as Low as; Fixed
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.70%
67-75 Months
▼
APR5.70%
Term67-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 61-66 Months) Loan
5.70%
66 Months
▼
APR5.70%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.74%
67 to 84 months
▼
APR5.74%
Term67 to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; 7.64%
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
Used Car Loans
5.74%
36-84 months
▼
APR5.74%
Term36-84 months
Last UpdatedJun 16, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles 0-36 Months Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles 37 - 48 Months Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Year Model 2024-2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics: 61 Months - 84 Months Loan
5.75%
61 Months - 84 Months
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; *** applies to Used Cars, Trucks, SUVs, and Classics
TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
New Auto
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.75%
37-48 months
▼
APR5.75%
Term37-48 months
Last UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.85%
76-84 Months
▼
APR5.85%
Term76-84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 67-75 Months) Loan
5.85%
75 Months
▼
APR5.85%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.89%
49 to 66 months
▼
APR5.89%
Term49 to 66 months
Last UpdatedJun 16, 2026
Details
As Low As; 7.14%
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 61 - 72 Months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 700-779
5.99%
Up to 72
▼
APR5.99%
TermUp to 72
Last UpdatedJun 16, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loan
5.99%
96 Months
▼
APR5.99%
Term96 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles 49 - 60 Months Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Vehicle Loan
6.00%
49-60 Months
▼
APR6.00%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Vehicles Loan
6.00%
Max. Term 15 Years
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedJun 16, 2026
Details
Fixed
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.00%
61-75 months
▼
APR6.00%
Term61-75 months
Last UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans
6.14%
76 - 84 Months
▼
APR6.14%
Term76 - 84 Months
Last UpdatedJun 11, 2026
Details
As Low As
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loan
6.19%
73 to 84 Months
▼
APR6.19%
Term73 to 84 Months
Last UpdatedJun 16, 2026
Details
Rates as Low as; Fixed
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
New Car Loan
6.25%
up to 84 months
▼
APR6.25%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles 61 - 72 Months Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
6.25%
73-84 months
▼
APR6.25%
Term73-84 months
Last UpdatedJun 16, 2026
Details
As low as
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
6.25%
Up to 73-84 months
▼
APR6.25%
TermUp to 73-84 months
Last UpdatedJun 16, 2026
Details
As low as
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedJun 16, 2026
Details
Finance up to 80% of Black Book^
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
6.25%
Up to 84 Months
▼
APR6.25%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Current or Prior Year - less than 10,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
6.25%
76-84 months
▼
APR6.25%
Term76-84 months
Last UpdatedJun 16, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
6.29%
67 to 84 months
▼
APR6.29%
Term67 to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; 8.19%
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
6.49%
76-84
▼
APR6.49%
Term76-84
Last UpdatedJun 16, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
6.49%
76-84
▼
APR6.49%
Term76-84
Last UpdatedJun 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC, 28273
Vehicle Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As;*
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 73 - 84 Months Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
100% financing
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
6.50%
96 months
▼
APR6.50%
Term96 months
Last UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.50%
76-84 months (2023 or Newer)
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedJun 16, 2026
Details
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loan
6.69%
85 to 96 Months
▼
APR6.69%
Term85 to 96 Months
Last UpdatedJun 16, 2026
Details
Rates as Low as; Fixed
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Vehicle Loan
6.75%
61- 72 Months
▼
APR6.75%
Term61- 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Used Auto
6.85%
Up to 84 Months
▼
APR6.85%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Used Car - less than 100,000 Miles Loan
7.00%
up to 84 months
▼
APR7.00%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
7.00%
85-96 months
▼
APR7.00%
Term85-96 months
Last UpdatedJun 16, 2026
Details
As low as
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Used Vehicles Loan
7.00%
Max. Term 15 Years
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedJun 16, 2026
Details
Fixed
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 650-699
7.25%
Up to 72
▼
APR7.25%
TermUp to 72
Last UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedJun 16, 2026
Details
Finance up to 90% of Black Book^
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
7.25%
Up to 96 Months
▼
APR7.25%
TermUp to 96 Months
Last UpdatedJun 16, 2026
Details
Current or Prior Year - less than 10,000 miles
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
1823 Banking St, Greensboro, NC, 27408
Older Auto Loans 2011-2015
7.74%
48 months
▼
APR7.74%
Term48 months
Last UpdatedJun 16, 2026
Details
*
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
7.89%
Up to 72 months
▼
APR7.89%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; 9.19%
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
7.99%
up to 42 months
▼
APR7.99%
Termup to 42 months
Last UpdatedJun 16, 2026
Details
2019 & Older- Max LTV < 90%
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - 2019 & Older- Max LTV < 90%
7.99%
up to 42 months
▼
APR7.99%
Termup to 42 months
Last UpdatedJun 16, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
8.14%
49 to 72 months
▼
APR8.14%
Term49 to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; 9.44%
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
8.25%
84 Months
▼
APR8.25%
Term84 Months
Last UpdatedJun 16, 2026
Details
100% financing^
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.40%
12-48 Months
▼
APR8.40%
Term12-48 Months
Last UpdatedJun 16, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
8.54%
67 to 84 months
▼
APR8.54%
Term67 to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; 9.84%
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.90%
60 Months
▼
APR8.90%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJun 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Used Car - greater than 100,000 Miles Loan
9.00%
up to 72 months
▼
APR9.00%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
9.04%
Up to 66 months
▼
APR9.04%
TermUp to 66 months
Last UpdatedJun 16, 2026
Details
As Low As; 10.34%
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
9.34%
49 to 66 months
▼
APR9.34%
Term49 to 66 months
Last UpdatedJun 16, 2026
Details
As Low As; 10.59%
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 600-649
9.99%
Up to 72
▼
APR9.99%
TermUp to 72
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate Other Vehicle Loans
11.39%
60 months
▼
APR11.39%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; APR = Annual Percentage Rate. The base APR available varies by state, as high as 11.39% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, loan-to-value and terms of the loan. Payment Example: $20,000 at 11.39% APR for 60 months equals $438.75 per month. *Rates include a 0.50% rate discount below the base APR for 80% Loan to Value and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 550-599
13.99%
Up to 60
▼
APR13.99%
TermUp to 60
Last UpdatedJun 16, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Rebuilding Rate
17.50%
Up to 60
▼
APR17.50%
TermUp to 60
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
North Carolina New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
New Car Loan
2.90%
up to 84 months
▼
APR2.90%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.74%
12-36 Months
▼
APR3.74%
Term12-36 Months
Last UpdatedJun 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 0-36 Months Loan
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
New Auto (Less than 10,000 miles)
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedJun 16, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As low as
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
Finance up to 80% of MSRP according to Black Book
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
4.69%
1-66 Months
▼
APR4.69%
Term1-66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJun 16, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Current or Prior Year - less than 10,000 miles
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As low as
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.00%
Up to 84 Months
▼
APR5.00%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Vehicle Loan
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
New Car Loan
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJun 16, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC, 27103 4625
New Autos
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.19%
1-66 Months
▼
APR5.19%
Term1-66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.20%
67-75 Months
▼
APR5.20%
Term67-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
New Car Loans
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJun 16, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 37 - 48 Months Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedJun 16, 2026
Details
New Auto (Less than 10,000 miles)
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedJun 16, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
5.25%
61 Months - 84 Months
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedJun 16, 2026
Details
As low as
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Vehicle Loan
5.25%
49-60 Months
▼
APR5.25%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Current or Prior Year - less than 10,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.35%
76-84 Months
▼
APR5.35%
Term76-84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
5.49%
12-36
▼
APR5.49%
Term12-36
Last UpdatedJun 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 49 - 60 Months Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
New and Current Model Vehicle Loan
5.50%
61-72 Months
▼
APR5.50%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3 Academy ST, Canton, NC, 28716
New and Used Cars Loan
5.50%
Up to 96 Months
▼
APR5.50%
TermUp to 96 Months
Last UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
90% financing
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.70%
67-75 Months
▼
APR5.70%
Term67-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
New Auto
5.75%
Up to 84 Months
▼
APR5.75%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.85%
76-84 Months
▼
APR5.85%
Term76-84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 61 - 72 Months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Vehicles Loan
6.00%
Max. Term 15 Years
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedJun 16, 2026
Details
Fixed
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
New Car Loan
6.25%
up to 84 months
▼
APR6.25%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
6.25%
73-84 months
▼
APR6.25%
Term73-84 months
Last UpdatedJun 16, 2026
Details
As low as
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
6.25%
Up to 84 Months
▼
APR6.25%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Current or Prior Year - less than 10,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
6.25%
76-84 months
▼
APR6.25%
Term76-84 months
Last UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
6.49%
76-84
▼
APR6.49%
Term76-84
Last UpdatedJun 16, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 73 - 84 Months Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
100% financing
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
6.50%
96 months
▼
APR6.50%
Term96 months
Last UpdatedJun 16, 2026
Details
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
7.00%
85-96 months
▼
APR7.00%
Term85-96 months
Last UpdatedJun 16, 2026
Details
As low as
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
7.25%
Up to 96 Months
▼
APR7.25%
TermUp to 96 Months
Last UpdatedJun 16, 2026
Details
Current or Prior Year - less than 10,000 miles
Powered by
MonitorBankRates
North Carolina Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Used Car Loan
2.90%
up to 60 months
▼
APR2.90%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.34%
12-36 Months
▼
APR4.34%
Term12-36 Months
Last UpdatedJun 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 1-60 Months) Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
Year Model 2024-2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2020-2021
4.75%
max term 54 months
▼
APR4.75%
Termmax term 54 months
Last UpdatedJun 16, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
4.75%
Up to 36 months
▼
APR4.75%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.00%
Up to 84 Months
▼
APR5.00%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics: Up to 60 Months Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; *** applies to Used Cars, Trucks, SUVs, and Classics
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 1-60 Months) Loan
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 61-66 Months) Loan
5.20%
66 Months
▼
APR5.20%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As low as
Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Used Car Loan
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 67-75 Months) Loan
5.35%
75 Months
▼
APR5.35%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; [1]
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
5.49%
12-36
▼
APR5.49%
Term12-36
Last UpdatedJun 16, 2026
Details
As Low As
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Vehicle Loan
5.50%
Up to 48 Months
▼
APR5.50%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3 Academy ST, Canton, NC, 28716
New and Used Cars Loan
5.50%
Up to 96 Months
▼
APR5.50%
TermUp to 96 Months
Last UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC, 27103 4625
Used Autos
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 61-66 Months) Loan
5.70%
66 Months
▼
APR5.70%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
Used Car Loans
5.74%
36-84 months
▼
APR5.74%
Term36-84 months
Last UpdatedJun 16, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles 0-36 Months Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles 37 - 48 Months Loan
5.75%
48 Months
▼
APR5.75%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Year Model 2024-2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics: 61 Months - 84 Months Loan
5.75%
61 Months - 84 Months
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; *** applies to Used Cars, Trucks, SUVs, and Classics
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.75%
37-48 months
▼
APR5.75%
Term37-48 months
Last UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 67-75 Months) Loan
5.85%
75 Months
▼
APR5.85%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Non-Payroll Deduction
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles 49 - 60 Months Loan
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Vehicle Loan
6.00%
49-60 Months
▼
APR6.00%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.00%
61-75 months
▼
APR6.00%
Term61-75 months
Last UpdatedJun 16, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles 61 - 72 Months Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
6.25%
Up to 73-84 months
▼
APR6.25%
TermUp to 73-84 months
Last UpdatedJun 16, 2026
Details
As low as
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedJun 16, 2026
Details
Finance up to 80% of Black Book^
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
6.49%
76-84
▼
APR6.49%
Term76-84
Last UpdatedJun 16, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.50%
76-84 months (2023 or Newer)
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedJun 16, 2026
Details
Shuford Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.69%
882 16th St NE, Hickory, NC, 28601
Used Vehicle Loan
6.75%
61- 72 Months
▼
APR6.75%
Term61- 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Steal the Car(rates as low as 4.50%)
TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Used Auto
6.85%
Up to 84 Months
▼
APR6.85%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Used Car - less than 100,000 Miles Loan
7.00%
up to 84 months
▼
APR7.00%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Used Vehicles Loan
7.00%
Max. Term 15 Years
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedJun 16, 2026
Details
Fixed
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedJun 16, 2026
Details
Finance up to 90% of Black Book^
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
7.99%
up to 42 months
▼
APR7.99%
Termup to 42 months
Last UpdatedJun 16, 2026
Details
2019 & Older- Max LTV < 90%
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - 2019 & Older- Max LTV < 90%
7.99%
up to 42 months
▼
APR7.99%
Termup to 42 months
Last UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
8.25%
84 Months
▼
APR8.25%
Term84 Months
Last UpdatedJun 16, 2026
Details
100% financing^
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.40%
12-48 Months
▼
APR8.40%
Term12-48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.90%
60 Months
▼
APR8.90%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Used Car - greater than 100,000 Miles Loan
9.00%
up to 72 months
▼
APR9.00%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
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MonitorBankRates
North Carolina Auto Loan Rate Trends
Compare local North Carolina 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 — NC Avg
5.225%
▼ 0.009 vs 7 days ago
North Carolina new auto rates fell 0.009 points over the past 7 days to 5.225% APR.
Used Auto Loan — NC Avg
5.587%
▲ 0.001 vs 7 days ago
North Carolina used auto rates rose 0.001 points over the past 7 days to 5.587% APR.
As of Jun 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Carolina 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 North Carolina 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 North Carolina. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NC.
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 North Carolina
How does my credit score affect my car loan rate in North Carolina?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in North Carolina 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 North Carolina *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 North Carolina 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 North Carolina?
Based on our current data, some of the lowest auto loan rates available in North Carolina include:
- Internal Revenue Employees Federal Credit Union: 2.90% (New Car Loan)
- United Federal Credit Union: 2.99% (Auto Loan)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Members Credit Union Winston Salem, NC: 3.51% (AUTO LOAN)
- Carolinas Telco Federal Credit Union: 3.74% (New Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026
Auto Loan Rates by City in North Carolina
Rate Assistant
MonitorBankRates.com · Live Data
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