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Auto Loan Rates in Asheville, North Carolina (NC) for May 2026

Content reviewed by
Brian McKay Brian McKay
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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| i Editorial Disclosure
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 Asheville, North Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 4, 2026

Current auto loan rates in Asheville, North Carolina include United Federal Credit UnionUnited Federal Credit Union1441 Patton Ave, Asheville, NC, 28806A+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.95%, Skyla Federal Credit UnionSkyla Federal Credit Union148 Charlotte St, Asheville, NC, 28801 1923A5.0 ★Texas Ratio: 6.28% offering Auto Loans at 3.99%, Arcade Credit UnionArcade Credit Union151 Patton Ave Ste 280, Asheville, NC, 28801A+5.0 ★Texas Ratio: 4.35% offering New Car at 5.00%, Champion Credit Union Canton, NCChampion Credit Union Canton, NC1000 Patton Ave, Asheville, NC, 28806 3623A+5.0 ★Texas Ratio: 4.91% offering New and Used Cars at 5.50%, Self-Help Credit UnionSelf-Help Credit Union1911 Hendersonville Rd, Asheville, NC, 28803A5.0 ★Texas Ratio: 7.18% offering New Car at 6.25%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.

Asheville has 5 local institutions in our database, with auto loan rates as low as 3.95% APR from United Federal Credit Union at 1441 Patton Ave, Asheville, NC, 28806. 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 Asheville, North Carolina. Auto Loan Rates Last Updated and Verified: May 4, 2026

Compare Auto Loan Rates Today in Asheville, North Carolina & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
148 Charlotte St, Asheville, NC, 28801 1923
Auto Loans
3.99%
0 - 48 months
View
▼
APR3.99%
Term0 - 48 months
Last UpdatedMay 2, 2026
Details

Auto loans as low as 3.99% APR for 0 - 48 months

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
View
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
View
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
View
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
New Car
5.00%
Up to 84 months
View
▼
APR5.00%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
View
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Used Car
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Patton Ave, Asheville, NC, 28806 3623
New and Used Cars
5.50%
Up to 96 Months
View
▼
APR5.50%
TermUp to 96 Months
Last UpdatedMay 2, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.75%
Up to 84 Months
View
▼
APR5.75%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1911 Hendersonville Rd, Asheville, NC, 28803
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1911 Hendersonville Rd, Asheville, NC, 28803
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1911 Hendersonville Rd, Asheville, NC, 28803
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate Other Vehicle Loans
11.39%
$1,000
View
▼
APR11.39%
Term$1,000
Last UpdatedApr 25, 2026
Details

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Car
2.90%
84 Months
View
▼
APR2.90%
Term84 Months
Last UpdatedApr 17, 2026
Details

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Car
2.90%
60 Months
View
▼
APR2.90%
Term60 Months
Last UpdatedApr 17, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.09%
48 Months
View
▼
APR4.09%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.19%
60 Months
View
▼
APR4.19%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto
4.25%
Up to 72 months
View
▼
APR4.25%
TermUp to 72 months
Last UpdatedApr 26, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.39%
36 Months
View
▼
APR4.39%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.49%
Up to 84 months
View
▼
APR4.49%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Car Loans
4.49%
36-84 months
View
▼
APR4.49%
Term36-84 months
Last UpdatedMay 2, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
4.50%
Up to 60 Months
View
▼
APR4.50%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMay 2, 2026
Details

Starting at 4.50%

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.59%
84 Months
View
▼
APR4.59%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto
4.75%
Year Model 2024-2026, up to 60 months
View
▼
APR4.75%
TermYear Model 2024-2026, up to 60 months
Last UpdatedApr 26, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.79%
96 Months
View
▼
APR4.79%
Term96 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans
4.99%
Up to 72
View
▼
APR4.99%
TermUp to 72
Last UpdatedMay 2, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans - New or Used
4.99%
Up to 72
View
▼
APR4.99%
TermUp to 72
Last UpdatedMay 2, 2026
Details

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New Auto Loans
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Used Car Loans
4.99%
36-84 months
View
▼
APR4.99%
Term36-84 months
Last UpdatedMay 2, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
5.09%
84 Months
View
▼
APR5.09%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 67 to 84 months

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto
5.25%
73-84 months
View
▼
APR5.25%
Term73-84 months
Last UpdatedApr 26, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
5.25%
61 Months - 84 Months
View
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMay 2, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
5.39%
66 Months
View
▼
APR5.39%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Auto Loans
5.49%
up to 84 months
View
▼
APR5.49%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan 90% financing
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details

Starting at 5.50%

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMay 2, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
5.59%
48 Months
View
▼
APR5.59%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
5.74%
48 Months
View
▼
APR5.74%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto
5.75%
Year Model 2024-2026, 61-72 months
View
▼
APR5.75%
TermYear Model 2024-2026, 61-72 months
Last UpdatedApr 26, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.75%
61 Months - 84 Months
View
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedMay 2, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
5.89%
66 Months
View
▼
APR5.89%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans
5.99%
Up to 72
View
▼
APR5.99%
TermUp to 72
Last UpdatedMay 2, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
5.99%
Up to 84 Months with Cash Out
View
▼
APR5.99%
TermUp to 84 Months with Cash Out
Last UpdatedMay 2, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
5.99%
66 Months
View
▼
APR5.99%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
New Vehicles
6.00%
Max. Term 15 Years
View
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedMay 2, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedMay 2, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

Starting at 6.25%

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedMay 2, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
6.34%
48 Months
View
▼
APR6.34%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedMay 2, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
6.59%
66 Months
View
▼
APR6.59%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Used Auto
6.85%
84 Months
View
▼
APR6.85%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
6.89%
48 Months
View
▼
APR6.89%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Used Vehicles
7.00%
Max. Term 15 Years
View
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedMay 2, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
7.04%
84 Months
View
▼
APR7.04%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
7.14%
66 Months
View
▼
APR7.14%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans
7.25%
Up to 72
View
▼
APR7.25%
TermUp to 72
Last UpdatedMay 2, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan 90% of Black Book
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

Starting at 7.25%

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
7.64%
84 Months
View
▼
APR7.64%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 67 to 84 months

Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
Older Auto Loans
7.74%
48 months
View
▼
APR7.74%
Term48 months
Last UpdatedApr 27, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
7.89%
48 Months
View
▼
APR7.89%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto
7.99%
2019 & Older- Max LTV < 90%, up to 42 months
View
▼
APR7.99%
Term2019 & Older- Max LTV < 90%, up to 42 months
Last UpdatedApr 26, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
8.14%
66 Months
View
▼
APR8.14%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
8.19%
84 Months
View
▼
APR8.19%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; 67 to 84 months

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
8.35%
96 Months
View
▼
APR8.35%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
8.54%
72 Months
View
▼
APR8.54%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; 67 to 84 months

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2014-2011 Auto Loan
9.04%
48 Months
View
▼
APR9.04%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
9.19%
48 Months
View
▼
APR9.19%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2014-2011 Auto Loan
9.34%
66 Months
View
▼
APR9.34%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
9.35%
108 Months
View
▼
APR9.35%
Term108 Months
Last UpdatedApr 18, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
9.44%
66 Months
View
▼
APR9.44%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
9.84%
72 Months
View
▼
APR9.84%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As; 67 to 84 months

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans
9.99%
Up to 72
View
▼
APR9.99%
TermUp to 72
Last UpdatedMay 2, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2014-2011 Auto Loan
10.34%
48 Months
View
▼
APR10.34%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2014-2011 Auto Loan
10.59%
66 Months
View
▼
APR10.59%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; 49 to 66 months

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans
13.99%
Up to 60
View
▼
APR13.99%
TermUp to 60
Last UpdatedMay 2, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
14.74%
Up to 84 months
View
▼
APR14.74%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans
17.50%
Up to 60
View
▼
APR17.50%
TermUp to 60
Last UpdatedMay 2, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
View
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
View
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
View
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
New Car
5.00%
Up to 84 months
View
▼
APR5.00%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
View
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Patton Ave, Asheville, NC, 28806 3623
New and Used Cars
5.50%
Up to 96 Months
View
▼
APR5.50%
TermUp to 96 Months
Last UpdatedMay 2, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.75%
Up to 84 Months
View
▼
APR5.75%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1911 Hendersonville Rd, Asheville, NC, 28803
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Car
2.90%
84 Months
View
▼
APR2.90%
Term84 Months
Last UpdatedApr 17, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.09%
48 Months
View
▼
APR4.09%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.19%
60 Months
View
▼
APR4.19%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto
4.25%
Up to 72 months
View
▼
APR4.25%
TermUp to 72 months
Last UpdatedApr 26, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Car Loans
4.49%
36-84 months
View
▼
APR4.49%
Term36-84 months
Last UpdatedMay 2, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
4.50%
Up to 60 Months
View
▼
APR4.50%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMay 2, 2026
Details

Starting at 4.50%

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.59%
84 Months
View
▼
APR4.59%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.79%
96 Months
View
▼
APR4.79%
Term96 Months
Last UpdatedMay 2, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans - New or Used
4.99%
Up to 72
View
▼
APR4.99%
TermUp to 72
Last UpdatedMay 2, 2026
Details

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New Auto Loans
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto
5.25%
73-84 months
View
▼
APR5.25%
Term73-84 months
Last UpdatedApr 26, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
5.25%
61 Months - 84 Months
View
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMay 2, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan 90% financing
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 2, 2026
Details

Starting at 5.50%

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMay 2, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
New Vehicles
6.00%
Max. Term 15 Years
View
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedMay 2, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedMay 2, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
8.35%
96 Months
View
▼
APR8.35%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
9.35%
108 Months
View
▼
APR9.35%
Term108 Months
Last UpdatedApr 18, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.20%
Up to 36 Months
View
▼
APR4.20%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.65%
Up to 36 Months
View
▼
APR4.65%
TermUp to 36 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
4.85%
Up to 60 Months
View
▼
APR4.85%
TermUp to 60 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.15%
Up to 72 Months
View
▼
APR5.15%
TermUp to 72 Months
Last UpdatedApr 25, 2026
Details

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Used Car
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Patton Ave, Asheville, NC, 28806 3623
New and Used Cars
5.50%
Up to 96 Months
View
▼
APR5.50%
TermUp to 96 Months
Last UpdatedMay 2, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
1441 Patton Ave, Asheville, NC, 28806
Fixed Rate New & Used Auto Loans
5.75%
Up to 84 Months
View
▼
APR5.75%
TermUp to 84 Months
Last UpdatedApr 25, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1911 Hendersonville Rd, Asheville, NC, 28803
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1911 Hendersonville Rd, Asheville, NC, 28803
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Car
2.90%
60 Months
View
▼
APR2.90%
Term60 Months
Last UpdatedApr 17, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.39%
36 Months
View
▼
APR4.39%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto
4.75%
Year Model 2024-2026, up to 60 months
View
▼
APR4.75%
TermYear Model 2024-2026, up to 60 months
Last UpdatedApr 26, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedMay 2, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans - New or Used
4.99%
Up to 72
View
▼
APR4.99%
TermUp to 72
Last UpdatedMay 2, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Used Car Loans
4.99%
36-84 months
View
▼
APR4.99%
Term36-84 months
Last UpdatedMay 2, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

As Low As

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Auto Loans
5.49%
up to 84 months
View
▼
APR5.49%
Termup to 84 months
Last UpdatedMay 2, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto
5.75%
Year Model 2024-2026, 61-72 months
View
▼
APR5.75%
TermYear Model 2024-2026, 61-72 months
Last UpdatedApr 26, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.75%
61 Months - 84 Months
View
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedMay 2, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
5.99%
Up to 84 Months with Cash Out
View
▼
APR5.99%
TermUp to 84 Months with Cash Out
Last UpdatedMay 2, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedMay 2, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

Starting at 6.25%

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedMay 2, 2026
Details

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Used Auto
6.85%
84 Months
View
▼
APR6.85%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Used Vehicles
7.00%
Max. Term 15 Years
View
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedMay 2, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan 90% of Black Book
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details

Starting at 7.25%

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto
7.99%
2019 & Older- Max LTV < 90%, up to 42 months
View
▼
APR7.99%
Term2019 & Older- Max LTV < 90%, up to 42 months
Last UpdatedApr 26, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
8.35%
96 Months
View
▼
APR8.35%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
9.35%
108 Months
View
▼
APR9.35%
Term108 Months
Last UpdatedApr 18, 2026
Details

As Low As

Asheville, NC Auto Loan Rate Trends

Compare local Asheville, NC 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.

View Full North Carolina Auto Trends →
New Auto Loan — NC Avg
5.632%
▲ 0.935 vs 7 days ago

North Carolina new auto rates rose 0.935 points over the past 7 days to 5.632% APR.

Used Auto Loan — NC Avg
6.351%
▲ 1.200 vs 7 days ago

North Carolina used auto rates rose 1.200 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 Asheville, 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 Asheville, 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 Asheville, 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 Asheville, North Carolina?

Based on our current data, some of the lowest auto loan rates available in Asheville, North Carolina include:
  • United Federal Credit Union: 3.95% (Fixed Rate New & Used Auto Loans)
  • Skyla Federal Credit Union: 3.99% (Auto Loans)
  • Arcade Credit Union: 5.00% (New Car)
  • Champion Credit Union Canton, NC: 5.50% (New and Used Cars)
  • Self-Help Credit Union: 6.25% (New Car)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Asheville, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026

Asheville, North Carolina Rates & Resources

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