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Auto Loan Rates in Lillington, North Carolina (NC) for April 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 Lillington, 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: April 9, 2026

Current auto loan rates in Lillington, North Carolina include State Employees Credit UnionState Employees Credit Union411 PINE STATE ST, LILLINGTON, NC, 27546A-5.0 ★Texas Ratio: 15.54% offering New auto loans at 4.25%, 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 2026 & Newer 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%. Auto loan rates as of April 9, 2026 according to verified data from MonitorBankRates.

Lillington has 1 local institution in our database, with auto loan rates as low as 4.25% APR from State Employees Credit Union at 411 PINE STATE ST, LILLINGTON, NC, 27546. 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 Lillington, North Carolina. Auto Loan Rates Last Updated and Verified: April 9, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
Auto Loans
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedApr 8, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
Auto Loans
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedApr 8, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
Auto Loans
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedApr 8, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
5.75%
84 months
View
▼
APR5.75%
Term84 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
6.50%
96 months
View
▼
APR6.50%
Term96 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
7.00%
36 months
View
▼
APR7.00%
Term36 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
7.25%
48 months
View
▼
APR7.25%
Term48 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
7.50%
60 months
View
▼
APR7.50%
Term60 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
7.75%
72 months
View
▼
APR7.75%
Term72 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
8.50%
84 months
View
▼
APR8.50%
Term84 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
9.25%
96 months
View
▼
APR9.25%
Term96 months
Last UpdatedApr 8, 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 4, 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 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 8, 2026
Details

As Low As

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 UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR3.99%
Term120 Months
Last UpdatedApr 8, 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
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 8, 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
View
▼
APR3.99%
Term36 months
Last UpdatedApr 8, 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 UpdatedApr 8, 2026
Details

As Low As; APR - 2026 & Newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 8, 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 UpdatedMar 28, 2026
Details

Greensboro Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.43%
New and Used Autos < 10 years
4.00%
36 months - 84 months
View
▼
APR4.00%
Term36 months - 84 months
Last UpdatedApr 8, 2026
Details

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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.09%
Term48 Months
Last UpdatedApr 8, 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
View
▼
APR4.09%
Term48 months
Last UpdatedApr 8, 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
View
▼
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
View
▼
APR4.19%
Term60 Months
Last UpdatedApr 8, 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
View
▼
APR4.19%
Term60 months
Last UpdatedApr 8, 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
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Auto Loan
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMar 25, 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
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details

As Low As

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
View
▼
APR4.25%
TermUp to 72 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
View
▼
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
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 8, 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
View
▼
APR4.39%
Term72 months
Last UpdatedApr 8, 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 UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2023 - 2025
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 8, 2026
Details

As Low As

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 UpdatedApr 9, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
4.50%
48 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.50%
Term84 Months
Last UpdatedApr 6, 2026
Details

As Low As; Finance up to 80% of MSRP according to Black Book

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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.59%
Term84 Months
Last UpdatedApr 8, 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
View
▼
APR4.59%
Term84 months
Last UpdatedApr 8, 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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Auto Loan
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedMar 25, 2026
Details

As Low As; 49 to 66 months

Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Auto Refinance
4.74%
60 Months
View
▼
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
View
▼
APR4.74%
Term60 Months
Last UpdatedApr 5, 2026
Details

49 to 60 Months

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 UpdatedMar 28, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 5, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details

Current or Prior Year - less than 10,000 miles

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 UpdatedApr 8, 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
View
▼
APR4.79%
Term96 Months
Last UpdatedApr 8, 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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 4, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Auto Loan
4.89%
48 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedApr 8, 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
View
▼
APR4.99%
Term120 months
Last UpdatedApr 8, 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 UpdatedApr 8, 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 UpdatedApr 8, 2026
Details

As Low As; APR - 2023 - 2025*

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2023 - 2025
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
4.99%
76 - 84 Months
View
▼
APR4.99%
Term76 - 84 Months
Last UpdatedApr 8, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
5.00%
72 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 6, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Car
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 6, 2026
Details

Up to 84 months

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
New Autos
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 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
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 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
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Auto Loan
5.09%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.19%
Term49 to 60 Months
Last UpdatedApr 8, 2026
Details

As Low As

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Car Loans
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMar 25, 2026
Details

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 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 5, 2026
Details

49 to 60 Months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMar 28, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.25%
37 - 48
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Used Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details

Up to 72 months

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 8, 2026
Details

Current or Prior Year - less than 10,000 miles

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
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Auto Loan
5.39%
66 Months
View
▼
APR5.39%
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
5.39%
49-60
View
▼
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
View
▼
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
View
▼
APR5.39%
Term24-48
Last UpdatedApr 4, 2026
Details

As Low As

Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Vehicle Loans
5.39%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 6, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMar 28, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.50%
49 - 60
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.50%
Term96 Months
Last UpdatedApr 6, 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 UpdatedApr 6, 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
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 8, 2026
Details

As Low As; Up to 84 Months

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
New Auto Loans 2025 - Newer
5.54%
64 - 75
View
▼
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
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 4, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Auto Loan
5.59%
48 Months
View
▼
APR5.59%
Term48 Months
Last UpdatedMar 25, 2026
Details

As Low As; Up to 48 months

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.59%
61-66
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.69%
Term61 to 72 Months
Last UpdatedApr 8, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.70%
67-75
View
▼
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
View
▼
APR5.70%
Term61-66
Last UpdatedApr 6, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Auto Loan
5.74%
48 Months
View
▼
APR5.74%
Term48 Months
Last UpdatedMar 25, 2026
Details

As Low As; Up to 48 months

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Used Car Loans
5.74%
36-84 months
View
▼
APR5.74%
Term36-84 months
Last UpdatedMar 25, 2026
Details

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.74%
67-72
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 5, 2026
Details

73 to 84 Months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedMar 28, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car
5.75%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedApr 6, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 8, 2026
Details

As Low As; Up to 84 Months

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.36%
Auto Loan
5.79%
61-66
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.85%
Term67-75
Last UpdatedApr 6, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Auto Loan
5.89%
66 Months
View
▼
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
View
▼
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
View
▼
APR5.94%
Term67-72
Last UpdatedApr 4, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
5.75%
84 months
View
▼
APR5.75%
Term84 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
6.50%
96 months
View
▼
APR6.50%
Term96 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
7.00%
36 months
View
▼
APR7.00%
Term36 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
7.25%
48 months
View
▼
APR7.25%
Term48 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
7.50%
60 months
View
▼
APR7.50%
Term60 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
7.75%
72 months
View
▼
APR7.75%
Term72 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
8.50%
84 months
View
▼
APR8.50%
Term84 months
Last UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
411 PINE STATE ST, LILLINGTON, NC, 27546
New auto loans
9.25%
96 months
View
▼
APR9.25%
Term96 months
Last UpdatedApr 8, 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 4, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 8, 2026
Details

As Low As

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 UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 8, 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
View
▼
APR3.99%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 8, 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 UpdatedMar 28, 2026
Details

Greensboro Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.43%
New and Used Autos < 10 years
4.00%
36 months - 84 months
View
▼
APR4.00%
Term36 months - 84 months
Last UpdatedApr 8, 2026
Details

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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.09%
Term48 Months
Last UpdatedApr 8, 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
View
▼
APR4.09%
Term48 months
Last UpdatedApr 8, 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
View
▼
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
View
▼
APR4.19%
Term60 Months
Last UpdatedApr 8, 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
View
▼
APR4.19%
Term60 months
Last UpdatedApr 8, 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
View
▼
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
View
▼
APR4.25%
TermUp to 72 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
View
▼
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
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 8, 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
View
▼
APR4.39%
Term72 months
Last UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.50%
Term84 Months
Last UpdatedApr 6, 2026
Details

As Low As; Finance up to 80% of MSRP according to Black Book

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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.59%
Term84 Months
Last UpdatedApr 8, 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
View
▼
APR4.59%
Term84 months
Last UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 4, 2026
Details

Score: A+ = 750+

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details

Current or Prior Year - less than 10,000 miles

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 UpdatedApr 8, 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
View
▼
APR4.79%
Term96 Months
Last UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.99%
Term120 months
Last UpdatedApr 8, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans 2026 & Newer
4.99%
76 - 84 Months
View
▼
APR4.99%
Term76 - 84 Months
Last UpdatedApr 8, 2026
Details

As Low As

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
New Vehicles
5.00%
72 Months
View
▼
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
View
▼
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
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 5, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Car
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 6, 2026
Details

Up to 84 months

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
New Autos
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 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
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.19%
Term1-66
Last UpdatedApr 6, 2026
Details

As Low As; Term: 1-66 Months; Payroll Deduction or Automatic Draft

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Car Loans
5.24%
36-84 months
View
▼
APR5.24%
Term36-84 months
Last UpdatedMar 25, 2026
Details

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 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
View
▼
APR5.24%
Term84 Months
Last UpdatedApr 5, 2026
Details

73 to 84 Months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMar 28, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.25%
37 - 48
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 8, 2026
Details

Current or Prior Year - less than 10,000 miles

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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.49%
Term75 Months
Last UpdatedApr 5, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMar 28, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.50%
49 - 60
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.50%
Term96 Months
Last UpdatedApr 6, 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 UpdatedApr 6, 2026
Details

As Low As

Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
New Auto Loans 2025 - Newer
5.54%
64 - 75
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.74%
Term96 Months
Last UpdatedApr 5, 2026
Details

85 to 96 Months

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New Car
5.75%
84 Months
View
▼
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
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 4, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 8, 2026
Details

As Low As; Up to 84 Months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.85%
76-84
View
▼
APR5.85%
Term76-84
Last UpdatedApr 6, 2026
Details

As Low As; Term: 76-84 Months; Payroll Deduction or Automatic Draft

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
View
▼
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
View
▼
APR3.50%
Term48 Months
Last UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR3.99%
Term36 months
Last UpdatedApr 8, 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
View
▼
APR4.00%
Term36 months - 84 months
Last UpdatedApr 8, 2026
Details

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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.09%
Term48 months
Last UpdatedApr 8, 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
View
▼
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
View
▼
APR4.19%
Term60 months
Last UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.39%
Term72 months
Last UpdatedApr 8, 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 UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 8, 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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.59%
Term84 months
Last UpdatedApr 8, 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 UpdatedApr 8, 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
View
▼
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
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 4, 2026
Details

As Low As

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 UpdatedMar 28, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.75%
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
4.79%
96 Months
View
▼
APR4.79%
Term96 Months
Last UpdatedApr 8, 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 UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.99%
Term120 months
Last UpdatedApr 8, 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 UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Used Car
5.25%
72 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.50%
Term96 Months
Last UpdatedApr 6, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
Used Autos (2016 - 2025)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 8, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.70%
Term61-66
Last UpdatedApr 6, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Used Car Loans
5.74%
36-84 months
View
▼
APR5.74%
Term36-84 months
Last UpdatedMar 25, 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 5, 2026
Details

Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
Used Auto
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 5, 2026
Details

73 to 84 Months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
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
5.75%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedApr 6, 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
5.79%
61-66
View
▼
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
View
▼
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
View
▼
APR5.94%
Term67-72
Last UpdatedApr 4, 2026
Details

As Low As

Lillington, NC Auto Loan Rate Trends

Compare local Lillington, 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
6.242%
▼ 0.211 vs 7 days ago

North Carolina new auto rates fell 0.211 points over the past 7 days to 6.242% APR.

Used Auto Loan — NC Avg
5.933%
▼ 1.117 vs 7 days ago

North Carolina used auto rates fell 1.117 points over the past 7 days to 5.933% APR.

As of Apr 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Lillington, 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 Lillington, 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 Lillington, 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 Lillington, North Carolina?

Based on our current data, some of the lowest auto loan rates available in Lillington, North Carolina include:
  • State Employees Credit Union: 4.25% (New auto loans)
  • Internal Revenue Employees Federal Credit Union: 2.90% (New Car)
  • Baxter Credit Union: 3.24% (Auto Loans 2026 & Newer)
  • CS Credit Union: 3.50% (New & Used Vehicles)
  • United Federal Credit Union: 3.70% (Fixed Rate New & Used Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lillington, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 9, 2026

Lillington, North Carolina Rates & Resources

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