Auto Loan Rates in Enka, North Carolina (NC) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Enka, North Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Enka, North Carolina include Internal Revenue Employees Federal Credit UnionInternal Revenue Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.03% offering New Car at 2.90%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, CS Credit UnionCS Credit UnionA+5.0 ★Texas Ratio: 0.65% offering New & Used Vehicles at 3.50%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.70%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%. Auto loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Enka borrowers have access to 39 lenders serving the North Carolina area, with auto loan rates as low as 2.90% APR from Internal Revenue Employees Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Enka, North Carolina. Auto Loan Rates Last Updated and Verified: April 6, 2026
Compare Auto Loan Rates Today in Enka, North Carolina & Surrounding Area
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%
New Car
2.90%
84 Months
▼
APR2.90%
Term84 Months
Last UpdatedApr 4, 2026
Details
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Car
2.90%
60 Months
▼
APR2.90%
Term60 Months
Last UpdatedApr 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 25, 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
▼
APR3.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
3.79%
0-36
▼
APR3.79%
Term0-36
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedApr 6, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Auto Loan Refinance
3.99%
120 Months
▼
APR3.99%
Term120 Months
Last UpdatedMar 25, 2026
Details
As Low As; Refinance Example #2:$90,000 120-Month Auto Loan
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 25, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2026 & Newer
Greensboro Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.43%
New and Used Autos < 10 years
4.00%
36 months - 84 months
▼
APR4.00%
Term36 months - 84 months
Last UpdatedMar 27, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
APR4.00%
TermUp to 36 months
Last UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.09%
48 Months
▼
APR4.09%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.09%
48 months
▼
APR4.09%
Term48 months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.19%
60 Months
▼
APR4.19%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.19%
60 months
▼
APR4.19%
Term60 months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
APR4.24%
Term48 Months
Last UpdatedMar 25, 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 (Less than 10,000 miles)
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedApr 5, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.39%
72 months
▼
APR4.39%
Term72 months
Last UpdatedMar 25, 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
▼
APR4.39%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Auto Rate
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Vehicle Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Auto Refinance
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
Up to 48 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
Up to 48 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
New Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 6, 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
▼
APR4.49%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 25, 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
▼
APR4.49%
TermUp to 84 months
Last UpdatedMar 28, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 4, 2026
Details
Score: A+ = 750+
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New auto loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedApr 6, 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
▼
APR4.50%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; Finance up to 80% of MSRP according to Black Book
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 28, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 4, 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
▼
APR4.59%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.59%
84 months
▼
APR4.59%
Term84 months
Last UpdatedMar 25, 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
▼
APR4.59%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Auto Refinance
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 5, 2026
Details
49 to 60 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 5, 2026
Details
49 to 60 Months
APR4.74%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; 49 to 66 months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 4, 2026
Details
Score: A+ = 750+
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2020-2021
4.75%
max term 54 months
▼
APR4.75%
Termmax term 54 months
Last UpdatedApr 5, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Auto Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMar 28, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedMar 28, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Up to 60 Months
APR4.75%
TermUp to 36 months
Last UpdatedMar 28, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.79%
96 Months
▼
APR4.79%
Term96 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.79%
96 Months
▼
APR4.79%
Term96 Months
Last UpdatedMar 25, 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
▼
APR4.79%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
APR4.89%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 48 months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 5, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Vehicle Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 5, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Auto Refinance
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 5, 2026
Details
61 to 72 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 5, 2026
Details
61 to 72 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 5, 2026
Details
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
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As; Up to 72 Months
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans Credit Scores 780 & Higher
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
New Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMar 28, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.99%
120 months
▼
APR4.99%
Term120 months
Last UpdatedMar 25, 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
▼
APR4.99%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 4, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2023-2026
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
A+ | 750+
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
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 5, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New auto loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 5, 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%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
APR5.00%
Term84 Months
Last UpdatedApr 6, 2026
Details
Up to 84 months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Auto Loans
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedMar 28, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedMar 28, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
New Autos
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up tp 84 Months
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
APR5.09%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; 67 to 84 months
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
New Auto Loans 2025 - Newer
5.14%
36 - 63
▼
APR5.14%
Term36 - 63
Last UpdatedMar 29, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.19%
24-48
▼
APR5.19%
Term24-48
Last UpdatedApr 4, 2026
Details
As Low As; New, 2025 (untitled) -2026
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Auto Loan 2025-2026
5.19%
24-48
▼
APR5.19%
Term24-48
Last UpdatedApr 4, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.19%
1-66
▼
APR5.19%
Term1-66
Last UpdatedApr 6, 2026
Details
As Low As; Term: 1-66 Months; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Vehicle
5.19%
1-60
▼
APR5.19%
Term1-60
Last UpdatedApr 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
5.19%
49 to 60 Months
▼
APR5.19%
Term49 to 60 Months
Last UpdatedMar 28, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMar 27, 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
▼
APR5.24%
Term12-36
Last UpdatedMar 27, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 5, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Vehicle Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 5, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Auto Refinance
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 5, 2026
Details
73 to 84 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 5, 2026
Details
73 to 84 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 5, 2026
Details
49 to 60 Months
APR5.24%
Term36-84 months
Last UpdatedMar 25, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.25%
37 - 48
▼
APR5.25%
Term37 - 48
Last UpdatedApr 4, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
Score: A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2023-2026
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
A+ | 750+
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedApr 5, 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
▼
APR5.25%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New auto loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
5.25%
61 Months - 84 Months
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
New Autos
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
Used Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details
Up to 72 months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Auto Loans
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedMar 28, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 24, 2026
Details
Up to 72 Months
APR5.25%
Term37-48 months
Last UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.39%
49-60
▼
APR5.39%
Term49-60
Last UpdatedApr 4, 2026
Details
As Low As; New, 2025 (untitled) -2026
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Auto Loan 2025-2026
5.39%
49-60
▼
APR5.39%
Term49-60
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Pre-Owned Auto Loan (2020
5.39%
24-48
▼
APR5.39%
Term24-48
Last UpdatedApr 4, 2026
Details
As Low As
APR5.39%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; 49 to 66 months
Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Vehicle Loans
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMar 25, 2026
Details
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 4, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 5, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Vehicle Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 5, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 5, 2026
Details
61 to 72 Months
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
Used Autos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedApr 4, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 4, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2020-2022
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2023-2026
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
A | 680-749
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
New Autos
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
New and Used Cars
5.50%
96 Months
▼
APR5.50%
Term96 Months
Last UpdatedMar 25, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan 90% financing
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Auto Loans
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedMar 28, 2026
Details
As Low As
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
Used Autos (2016 - 2025)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 84 Months
APR5.50%
Term61-75 months
Last UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
New Auto Loans 2025 - Newer
5.54%
64 - 75
▼
APR5.54%
Term64 - 75
Last UpdatedMar 29, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.59%
61-66
▼
APR5.59%
Term61-66
Last UpdatedApr 4, 2026
Details
As Low As; New, 2025 (untitled) -2026
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Auto Loan 2025-2026
5.59%
61-66
▼
APR5.59%
Term61-66
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Pre-Owned Auto Loan (2020
5.59%
49-60
▼
APR5.59%
Term49-60
Last UpdatedApr 4, 2026
Details
As Low As
APR5.59%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 48 months
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
Used Auto Loan
5.64%
36 - 63
▼
APR5.64%
Term36 - 63
Last UpdatedMar 29, 2026
Details
Model Year: 2019 - 2024
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.69%
1-66
▼
APR5.69%
Term1-66
Last UpdatedApr 6, 2026
Details
As Low As; Term: 1-66 Months; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Vehicle
5.69%
1-60
▼
APR5.69%
Term1-60
Last UpdatedApr 6, 2026
Details
As Low As; Non-Payroll Deduction
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
5.69%
61 to 72 Months
▼
APR5.69%
Term61 to 72 Months
Last UpdatedMar 28, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.70%
67-75
▼
APR5.70%
Term67-75
Last UpdatedApr 6, 2026
Details
As Low As; Term: 67-75 Months; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Vehicle
5.70%
61-66
▼
APR5.70%
Term61-66
Last UpdatedApr 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.74%
67-72
▼
APR5.74%
Term67-72
Last UpdatedApr 4, 2026
Details
As Low As; New, 2025 (untitled) -2026
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Auto Loan 2025-2026
5.74%
67-72
▼
APR5.74%
Term67-72
Last UpdatedApr 4, 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
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedApr 5, 2026
Details
85 to 96 Months
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 5, 2026
Details
73 to 84 Months
APR5.74%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 48 months
APR5.74%
Term36-84 months
Last UpdatedMar 25, 2026
Details
APR5.75%
Term84 Months
Last UpdatedMar 28, 2026
Details
up to 84 months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
5.75%
0-36
▼
APR5.75%
Term0-36
Last UpdatedApr 4, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2023-2026
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
A | 680-749
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedApr 5, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedApr 5, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Used auto loan rate
5.75%
72 months
▼
APR5.75%
Term72 months
Last UpdatedApr 5, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.75%
61 Months - 84 Months
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedApr 6, 2026
Details
As Low As
APR5.75%
Term84 Months
Last UpdatedMar 28, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedMar 28, 2026
Details
APR5.75%
Term37-48 months
Last UpdatedMar 28, 2026
Details
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.79%
61-66
▼
APR5.79%
Term61-66
Last UpdatedApr 4, 2026
Details
As Low As; Pre-Owned (2020+)
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Pre-Owned Auto Loan (2020
5.79%
61-66
▼
APR5.79%
Term61-66
Last UpdatedApr 4, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.85%
76-84
▼
APR5.85%
Term76-84
Last UpdatedApr 6, 2026
Details
As Low As; Term: 76-84 Months; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Vehicle
5.85%
67-75
▼
APR5.85%
Term67-75
Last UpdatedApr 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
APR5.89%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; 49 to 66 months
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.94%
67-72
▼
APR5.94%
Term67-72
Last UpdatedApr 4, 2026
Details
As Low As; Pre-Owned (2020+)
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Pre-Owned Auto Loan (2020
5.94%
67-72
▼
APR5.94%
Term67-72
Last UpdatedApr 4, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
New Auto Loans 2025 - Newer
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMar 29, 2026
Details
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 4, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.99%
61 - 72
▼
APR5.99%
Term61 - 72
Last UpdatedApr 4, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 5, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Vehicle Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 5, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans Credit Scores 700-779
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
Used Autos
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
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
▼
APR5.99%
TermUp to 84 Months with Cash Out
Last UpdatedMar 25, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
APR5.99%
Term66 Months
Last UpdatedMar 25, 2026
Details
As Low As; 49 to 66 months
Powered by
MonitorBankRates
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%
New Car
2.90%
84 Months
▼
APR2.90%
Term84 Months
Last UpdatedApr 4, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
3.79%
0-36
▼
APR3.79%
Term0-36
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 25, 2026
Details
As Low As
Greensboro Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.43%
New and Used Autos < 10 years
4.00%
36 months - 84 months
▼
APR4.00%
Term36 months - 84 months
Last UpdatedMar 27, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
APR4.00%
TermUp to 36 months
Last UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.09%
48 Months
▼
APR4.09%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.09%
48 months
▼
APR4.09%
Term48 months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.19%
60 Months
▼
APR4.19%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.19%
60 months
▼
APR4.19%
Term60 months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedApr 5, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.39%
72 months
▼
APR4.39%
Term72 months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Auto Rate
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 5, 2026
Details
Up to 48 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
New Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 4, 2026
Details
Score: A+ = 750+
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New auto loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedApr 6, 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
▼
APR4.50%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; Finance up to 80% of MSRP according to Black Book
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 28, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 4, 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
▼
APR4.59%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.59%
84 months
▼
APR4.59%
Term84 months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 5, 2026
Details
49 to 60 Months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 4, 2026
Details
Score: A+ = 750+
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedMar 28, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 24, 2026
Details
Up to 60 Months
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
New Cars
4.79%
96 Months
▼
APR4.79%
Term96 Months
Last UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.79%
96 Months
▼
APR4.79%
Term96 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 5, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 5, 2026
Details
61 to 72 Months
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
New Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.99%
120 months
▼
APR4.99%
Term120 months
Last UpdatedMar 25, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 4, 2026
Details
Score: A+ = 750+
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
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 5, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New auto loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
APR5.00%
Term84 Months
Last UpdatedApr 6, 2026
Details
Up to 84 months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedMar 28, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
New Autos
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up tp 84 Months
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
New Auto Loans 2025 - Newer
5.14%
36 - 63
▼
APR5.14%
Term36 - 63
Last UpdatedMar 29, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Auto Loan 2025-2026
5.19%
24-48
▼
APR5.19%
Term24-48
Last UpdatedApr 4, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.19%
1-66
▼
APR5.19%
Term1-66
Last UpdatedApr 6, 2026
Details
As Low As; Term: 1-66 Months; Payroll Deduction or Automatic Draft
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMar 27, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedApr 5, 2026
Details
73 to 84 Months
APR5.24%
Term36-84 months
Last UpdatedMar 25, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.25%
37 - 48
▼
APR5.25%
Term37 - 48
Last UpdatedApr 4, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedApr 4, 2026
Details
Score: A = 680-749
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedApr 5, 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
▼
APR5.25%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
New auto loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
5.25%
61 Months - 84 Months
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
New Autos
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 24, 2026
Details
Up to 72 Months
APR5.25%
Term37-48 months
Last UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Auto Loan 2025-2026
5.39%
49-60
▼
APR5.39%
Term49-60
Last UpdatedApr 4, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 4, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 5, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.50%
49 - 60
▼
APR5.50%
Term49 - 60
Last UpdatedApr 4, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 4, 2026
Details
Score: A+ = 750+
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
New Autos
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
New and Used Cars
5.50%
96 Months
▼
APR5.50%
Term96 Months
Last UpdatedMar 25, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan 90% financing
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
APR5.50%
Term61-75 months
Last UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
New Auto Loans 2025 - Newer
5.54%
64 - 75
▼
APR5.54%
Term64 - 75
Last UpdatedMar 29, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Auto Loan 2025-2026
5.59%
61-66
▼
APR5.59%
Term61-66
Last UpdatedApr 4, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.69%
1-66
▼
APR5.69%
Term1-66
Last UpdatedApr 6, 2026
Details
As Low As; Term: 1-66 Months; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.70%
67-75
▼
APR5.70%
Term67-75
Last UpdatedApr 6, 2026
Details
As Low As; Term: 67-75 Months; Payroll Deduction or Automatic Draft
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
New Auto Loan 2025-2026
5.74%
67-72
▼
APR5.74%
Term67-72
Last UpdatedApr 4, 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
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
New Auto
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedApr 5, 2026
Details
85 to 96 Months
APR5.75%
Term84 Months
Last UpdatedMar 28, 2026
Details
up to 84 months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
APR5.75%
Term84 Months
Last UpdatedMar 28, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedMar 28, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.85%
76-84
▼
APR5.85%
Term76-84
Last UpdatedApr 6, 2026
Details
As Low As; Term: 76-84 Months; Payroll Deduction or Automatic Draft
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
New Auto Loans 2025 - Newer
5.99%
76 - 84
▼
APR5.99%
Term76 - 84
Last UpdatedMar 29, 2026
Details
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 4, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.99%
61 - 72
▼
APR5.99%
Term61 - 72
Last UpdatedApr 4, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 5, 2026
Details
As Low As
Powered by
MonitorBankRates
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%
Used Car
2.90%
60 Months
▼
APR2.90%
Term60 Months
Last UpdatedApr 4, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedMar 25, 2026
Details
As Low As
Greensboro Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.43%
New and Used Autos < 10 years
4.00%
36 months - 84 months
▼
APR4.00%
Term36 months - 84 months
Last UpdatedMar 27, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.09%
48 months
▼
APR4.09%
Term48 months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: All Years**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.19%
60 months
▼
APR4.19%
Term60 months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.39%
72 months
▼
APR4.39%
Term72 months
Last UpdatedMar 25, 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
▼
APR4.39%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2020 or Newer**
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Used Cars
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.59%
84 months
▼
APR4.59%
Term84 months
Last UpdatedMar 25, 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
▼
APR4.59%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2020-2021
4.75%
max term 54 months
▼
APR4.75%
Termmax term 54 months
Last UpdatedApr 5, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
APR4.75%
TermUp to 36 months
Last UpdatedMar 28, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.79%
96 Months
▼
APR4.79%
Term96 Months
Last UpdatedMar 25, 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
▼
APR4.79%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
▼
APR4.85%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 5, 2026
Details
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
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
Special Refinance Offer: New & Used Cars, Trucks, SUVs
4.99%
120 months
▼
APR4.99%
Term120 months
Last UpdatedMar 25, 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
▼
APR4.99%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2023-2026
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 4, 2026
Details
A+ | 750+
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
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 5, 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%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Vehicle Model Years: 2022 or Newer
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Vehicle
5.19%
1-60
▼
APR5.19%
Term1-60
Last UpdatedApr 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMar 27, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedApr 5, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedApr 5, 2026
Details
49 to 60 Months
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2023-2026
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 4, 2026
Details
A+ | 750+
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
Used Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details
Up to 72 months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Pre-Owned Auto Loan (2020
5.39%
24-48
▼
APR5.39%
Term24-48
Last UpdatedApr 4, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 4, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 5, 2026
Details
61 to 72 Months
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
Used Autos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2020-2022
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2023-2026
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
A | 680-749
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
New and Used Cars
5.50%
96 Months
▼
APR5.50%
Term96 Months
Last UpdatedMar 25, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
Used Autos (2016 - 2025)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 26, 2026
Details
As Low As; Up to 84 Months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Pre-Owned Auto Loan (2020
5.59%
49-60
▼
APR5.59%
Term49-60
Last UpdatedApr 4, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
Used Auto Loan
5.64%
36 - 63
▼
APR5.64%
Term36 - 63
Last UpdatedMar 29, 2026
Details
Model Year: 2019 - 2024
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Vehicle
5.69%
1-60
▼
APR5.69%
Term1-60
Last UpdatedApr 6, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Vehicle
5.70%
61-66
▼
APR5.70%
Term61-66
Last UpdatedApr 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 5, 2026
Details
73 to 84 Months
APR5.74%
Term36-84 months
Last UpdatedMar 25, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
5.75%
0-36
▼
APR5.75%
Term0-36
Last UpdatedApr 4, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Used Vehicles 2023-2026
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
A | 680-749
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedApr 5, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedApr 5, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.12%
Used auto loan rate
5.75%
72 months
▼
APR5.75%
Term72 months
Last UpdatedApr 5, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.75%
61 Months - 84 Months
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedApr 6, 2026
Details
As Low As
APR5.75%
Term37-48 months
Last UpdatedMar 28, 2026
Details
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Pre-Owned Auto Loan (2020
5.79%
61-66
▼
APR5.79%
Term61-66
Last UpdatedApr 4, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Vehicle
5.85%
67-75
▼
APR5.85%
Term67-75
Last UpdatedApr 6, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Pre-Owned Auto Loan (2020
5.94%
67-72
▼
APR5.94%
Term67-72
Last UpdatedApr 4, 2026
Details
As Low As
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
New/Used Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 4, 2026
Details
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.67%
Used Autos
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
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
▼
APR5.99%
TermUp to 84 Months with Cash Out
Last UpdatedMar 25, 2026
Details
As Low As
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Enka, NC Auto Loan Rate Trends
Compare local Enka, 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.
New Auto Loan — NC Avg
6.385%
▼ 0.005 vs 7 days ago
North Carolina new auto rates fell 0.005 points over the past 7 days to 6.385% APR.
Used Auto Loan — NC Avg
6.451%
▲ 0.260 vs 7 days ago
North Carolina used auto rates rose 0.260 points over the past 7 days to 6.451% APR.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Enka, 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 Enka, 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 Enka, 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 Enka, North Carolina?
Based on our current data, some of the lowest auto loan rates available in Enka, North Carolina include:
- Internal Revenue Employees Federal Credit Union: 2.90% (New Car)
- Baxter Credit Union: 3.24% (Auto Loans)
- CS Credit Union: 3.50% (New & Used Vehicles)
- United Federal Credit Union: 3.70% (Fixed Rate New & Used Auto Loans)
- American Airlines Federal Credit Union: 3.74% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Enka, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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