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Auto Loan Rates in Fredericksburg, Ohio (OH) for July 2026

Content reviewed by
Brian McKay Brian McKay
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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 Fredericksburg, Ohio. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: July 13, 2026

Current auto loan rates in Fredericksburg, Ohio include YTR Community Federal Credit UnionYTR Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.85% offering New Auto (2022-Newer) at 2.50%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%, Riverview Federal Credit UnionRiverview Federal Credit UnionA+5.0 ★Texas Ratio: 5.59% offering New Vehicle Loan at 3.74%, Homeland Credit UnionHomeland Credit UnionA+5.0 ★Texas Ratio: 1.50% offering Auto Loans 2025-2026 at 3.99%, Abbott Laboratories Credit UnionAbbott Laboratories Credit UnionA+5.0 ★Texas Ratio: 0.33% offering New Autos at 3.99%. Auto loan rates as of July 13, 2026 according to verified data from MonitorBankRates.

Fredericksburg borrowers have access to 44 lenders serving the Ohio area, with auto loan rates as low as 2.50% APR from YTR Community 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 Fredericksburg, Ohio. Auto Loan Rates Last Updated and Verified: July 13, 2026

Compare Auto Loan Rates Today in Fredericksburg, Ohio & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Fredericksburg Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.50%
24 Months
View
▼
APR2.50%
Term24 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.75%
36 Months
View
▼
APR2.75%
Term36 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Auto Loan
2.99%
36 months
View
▼
APR2.99%
Term36 months
Last UpdatedJul 8, 2026
Details

As Low As; with autopay from a United checking account.

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.00%
48 Months
View
▼
APR3.00%
Term48 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.25%
60 Months
View
▼
APR3.25%
Term60 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.50%
72 Months
View
▼
APR3.50%
Term72 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.74%
60 Months
View
▼
APR3.74%
Term60 Months
Last UpdatedJul 10, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.75%
24 Months
View
▼
APR3.75%
Term24 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 650-719

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
View
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.80%
48 Months
View
▼
APR3.80%
Term48 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.90%
36 Months
View
▼
APR3.90%
Term36 Months
Last UpdatedJul 10, 2026
Details

Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
Auto Loans 2025-2026
3.99%
Up to 66 Months
View
▼
APR3.99%
TermUp to 66 Months
Last UpdatedJul 6, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedJul 10, 2026
Details

Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Autos
3.99%
up to 48 months
View
▼
APR3.99%
Termup to 48 months
Last UpdatedJul 11, 2026
Details

As Low As; financing on new and used autos.

LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
New Auto 2026
3.99%
up to 48 months
View
▼
APR3.99%
Termup to 48 months
Last UpdatedJul 11, 2026
Details

Rates as low as

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 720-749

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
View
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Vehicle Loan
4.00%
36 Months - 63 Months
View
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 11, 2026
Details

As Low As

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
View
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 11, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
4.10%
24 Months
View
▼
APR4.10%
Term24 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedJul 10, 2026
Details

Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2020 & Newer
4.24%
Up to 60 Months
View
▼
APR4.24%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 650-719

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.29%
Up to 36 Months
View
▼
APR4.29%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedJul 6, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedJul 6, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.31%
48 Months
View
▼
APR4.31%
Term48 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedJul 6, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedJul 6, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.41%
36 Months
View
▼
APR4.41%
Term36 Months
Last UpdatedJul 10, 2026
Details

Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Auto Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedJul 6, 2026
Details

Vehicle Year: 2020 and newer

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedJul 6, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedJul 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedJul 6, 2026
Details

As Low As

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $4,000

Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2020 & Newer
4.49%
Up to 76 Months
View
▼
APR4.49%
TermUp to 76 Months
Last UpdatedJul 11, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 24 Months
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
View
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Vehicle Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedJul 11, 2026
Details

over $20,000; As Low As

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.54%
37-48 Months
View
▼
APR4.54%
Term37-48 Months
Last UpdatedJul 11, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedJul 6, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedJul 6, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.60%
24 Months
View
▼
APR4.60%
Term24 Months
Last UpdatedJul 10, 2026
Details

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - 2023 - 2021
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedJul 6, 2026
Details

APR*

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - New - 2024
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedJul 6, 2026
Details

APR*

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $7,500

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - New - 2024
4.70%
60 months
View
▼
APR4.70%
Term60 months
Last UpdatedJul 6, 2026
Details

APR*

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.74%
Up to 84 months
View
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details

Rates As Low As

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Pre-Owned Vehicle Loan
4.74%
Up to 84 months
View
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details

Rates As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2026/2025/2024/2023

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2020
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2021
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2022
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.75%
84 Months
View
▼
APR4.75%
Term84 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 720-749

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 24 Months
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 36 Months
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedJul 6, 2026
Details

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details

over $20,000; As Low As

Toledo Urban Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.96%
New Auto
4.75%
Up to 84 Months
View
▼
APR4.75%
TermUp to 84 Months
Last UpdatedJul 12, 2026
Details

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - 2023 - 2021
4.79%
48 months
View
▼
APR4.79%
Term48 months
Last UpdatedJul 6, 2026
Details

APR*

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - New - 2024
4.89%
72 months
View
▼
APR4.89%
Term72 months
Last UpdatedJul 6, 2026
Details

APR*

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $10,000

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedJul 11, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New Autos 2025 & Newer
4.93%
up to 72 Months
View
▼
APR4.93%
Termup to 72 Months
Last UpdatedJul 11, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.95%
72 Months
View
▼
APR4.95%
Term72 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedJul 6, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedJul 6, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
4.96%
up to 72 Months
View
▼
APR4.96%
Termup to 72 Months
Last UpdatedJul 11, 2026
Details

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - 2023 - 2021
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedJul 6, 2026
Details

APR*

Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details

Vehicle Year: 2020 and newer

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 66 Months
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedJul 6, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedJul 8, 2026
Details

As Low As; fixed

Butler Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
Auto Loan
4.99%
up to 76 months
View
▼
APR4.99%
Termup to 76 months
Last UpdatedJul 9, 2026
Details

Summer Vehicle Refinance Special; Offer available through July 31, 2026.

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Vehicle Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedJul 11, 2026
Details

$25,000; As Low As

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedJul 11, 2026
Details

over $25,000; As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle Loan
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedJul 11, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 650-719

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 24 Months
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 36 Months
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 48 Months
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedJul 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.00%
Up to 84 Months
View
▼
APR5.00%
TermUp to 84 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car Loans
5.00%
1-6 year loan
View
▼
APR5.00%
Term1-6 year loan
Last UpdatedJul 11, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2021-2023
5.04%
up to 72 Months
View
▼
APR5.04%
Termup to 72 Months
Last UpdatedJul 11, 2026
Details

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.04%
73-78 Months
View
▼
APR5.04%
Term73-78 Months
Last UpdatedJul 11, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos & Trucks
5.08%
Up to 60 months
View
▼
APR5.08%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details

As Low As; 4.74% Rate

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
60 months
View
▼
APR5.09%
Term60 months
Last UpdatedJul 11, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2021-2023
5.11%
up to 60 Months
View
▼
APR5.11%
Termup to 60 Months
Last UpdatedJul 11, 2026
Details

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.14%
Up to 36 Months
View
▼
APR5.14%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.19%
36 Months
View
▼
APR5.19%
Term36 Months
Last UpdatedJul 6, 2026
Details

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
View
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $15,000

Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Auto Loans
5.24%
Up to 72 months
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details

Vehicle Year: 2020 and newer

Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loan
5.24%
Up to 72 Months
View
▼
APR5.24%
TermUp to 72 Months
Last UpdatedJul 6, 2026
Details

Rate includes 0.25% discount for automatic payments. Rate may vary based on creditworthiness and term. See associate for details.

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans 1-75 month term
5.24%
75 Month
View
▼
APR5.24%
Term75 Month
Last UpdatedJul 8, 2026
Details

As Low As

CLEARVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
36 Month Auto Loan
5.24%
36 Month
View
▼
APR5.24%
Term36 Month
Last UpdatedJul 11, 2026
Details

As Low As

Pathways Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.22%
New Auto Loans
5.24%
Terms up to 85 months available
View
▼
APR5.24%
TermTerms up to 85 months available
Last UpdatedJul 13, 2026
Details

As Low As; 3 model year vehicles

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 24 Months
5.25%
24 Months
View
▼
APR5.25%
Term24 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 36 Months
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 48 Months
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 60 Months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedJul 6, 2026
Details

Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
Auto Loans 2024-2026
5.25%
Up to 84 Months
View
▼
APR5.25%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedJul 6, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
NEW AUTO up to 66 mos
5.25%
up to 66 mos
View
▼
APR5.25%
Termup to 66 mos
Last UpdatedJul 11, 2026
Details

Tier/LTV: A+/ 110%

Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.25%
1-60Months
View
▼
APR5.25%
Term1-60Months
Last UpdatedJul 12, 2026
Details

Credit Rating: A+

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos & Trucks
5.28%
61 to 72 Months
View
▼
APR5.28%
Term61 to 72 Months
Last UpdatedJul 6, 2026
Details

As Low As; 4.99% Rate

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedJul 6, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedJul 6, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
72 months
View
▼
APR5.29%
Term72 months
Last UpdatedJul 11, 2026
Details

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Autos & Trucks
5.33%
Up to 60 Months
View
▼
APR5.33%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details

2022-2024

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2019-2020
5.35%
up to 60 Months
View
▼
APR5.35%
Termup to 60 Months
Last UpdatedJul 11, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
NEW AUTO up to 66 mos
5.35%
up to 66 mos
View
▼
APR5.35%
Termup to 66 mos
Last UpdatedJul 11, 2026
Details

Tier/LTV: A / 105%

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedJul 6, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedJul 6, 2026
Details

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 63 Months
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedJul 6, 2026
Details

As Low As

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedJul 11, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedJul 6, 2026
Details

Toledo Fire Fighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Auto Loan
5.49%
Up to 84 months; Over 72 months add 0.5%
View
▼
APR5.49%
TermUp to 84 months; Over 72 months add 0.5%
Last UpdatedJul 6, 2026
Details

As Low As; Rates shown are "as low as" based on credit score.

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - 2020 - 2016
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedJul 6, 2026
Details

APR*

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 75 Months
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedJul 6, 2026
Details

As Low As

OUCU Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New vehicles 2025 and newer Loan
5.49%
24 Months
View
▼
APR5.49%
Term24 Months
Last UpdatedJul 6, 2026
Details

As Low As*; current model year or prior model year with fewer than 15,000 miles

Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicles Loan
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedJul 8, 2026
Details

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans 1-75 month term
5.49%
75 Month
View
▼
APR5.49%
Term75 Month
Last UpdatedJul 8, 2026
Details

As Low As; Bright Auto Loans

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans Used (2021-2026) 1-75 month term
5.49%
75 Month
View
▼
APR5.49%
Term75 Month
Last UpdatedJul 8, 2026
Details

As Low As; Used (2021-2026)

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedJul 8, 2026
Details

Model Year: 2026; Rate (APR as low as)

Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New or Used Vehicles Loan
5.49%
up to 96 months
View
▼
APR5.49%
Termup to 96 months
Last UpdatedJul 11, 2026
Details

As Low As; We Will Finance: up to 120% LTV*

Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2023 & Newer
5.49%
77 to 84 Months
View
▼
APR5.49%
Term77 to 84 Months
Last UpdatedJul 11, 2026
Details

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 1-3 years old Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedJul 11, 2026
Details

As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 4-5 years old Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details

As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 6-7 years old Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details

As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 8 years or older Loan
5.49%
up to 48 months
View
▼
APR5.49%
Termup to 48 months
Last UpdatedJul 11, 2026
Details

As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 8-plus years Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedJul 11, 2026
Details

As Low As

ih Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.13%
New & Used Vehicles (Models 2023 & Newer) Loan
5.49%
63 months
View
▼
APR5.49%
Term63 months
Last UpdatedJul 11, 2026
Details

As Low As; Rate may be higher based on individual circumstance and credit score.

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 73 to 84 months Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedJul 11, 2026
Details

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2019

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2018
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2019
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Vehicle - 2025 & 2026 Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedJul 12, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 36 Months
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 48 Months
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 60 Months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 72 Months
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedJul 6, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedJul 10, 2026
Details

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Car Loans
5.50%
1-4 year loan
View
▼
APR5.50%
Term1-4 year loan
Last UpdatedJul 11, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2019-2020
5.50%
up to 48 Months
View
▼
APR5.50%
Termup to 48 Months
Last UpdatedJul 11, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
NEW AUTO up to 66 mos
5.50%
up to 66 mos
View
▼
APR5.50%
Termup to 66 mos
Last UpdatedJul 11, 2026
Details

Tier/LTV: B / 100%

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.56%
48 Months
View
▼
APR5.56%
Term48 Months
Last UpdatedJul 10, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedJul 6, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedJul 6, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Vehicles 2022 - 2021 Models (Loan Amounts of or Greater) - Up to 48 Months
5.59%
Up to 48 Months
View
▼
APR5.59%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details

$30,000

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.60%
60 months
View
▼
APR5.60%
Term60 months
Last UpdatedJul 8, 2026
Details

Model Year: 2026; Rate (APR as low as)

Toledo Fire Fighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Auto Loan
5.61%
Up to 84 months*; Over 72 months add 0.50%*
View
▼
APR5.61%
TermUp to 84 months*; Over 72 months add 0.50%*
Last UpdatedJul 6, 2026
Details

As Low As; * Indicates rate as low as based on credit score. Annual Percentage Rate includes $75.00 processing fee. Rates and terms are determined by your credit qualifications.

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
NEW AUTO up to 66 mos
5.65%
up to 66 mos
View
▼
APR5.65%
Termup to 66 mos
Last UpdatedJul 11, 2026
Details

Tier/LTV: C / 100%

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.66%
36 Months
View
▼
APR5.66%
Term36 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (over 7 yrs)
5.66%
36 Months
View
▼
APR5.66%
Term36 Months
Last UpdatedJul 10, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.69%
72 Months
View
▼
APR5.69%
Term72 Months
Last UpdatedJul 6, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.69%
36 Months
View
▼
APR5.69%
Term36 Months
Last UpdatedJul 6, 2026
Details

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 84 Months
5.72%
Up to 84 Months
View
▼
APR5.72%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details

As Low As

Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedJul 6, 2026
Details

Rate includes 0.25% discount for automatic payments. Rate may vary based on creditworthiness and term. See associate for details.

OUCU Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New vehicles 2025 and newer Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedJul 6, 2026
Details

As Low As*; current model year or prior model year with fewer than 15,000 miles

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans 1-51 month term
5.74%
51 Month
View
▼
APR5.74%
Term51 Month
Last UpdatedJul 8, 2026
Details

As Low As; Bright Auto Loans

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans 76-84 month term K
5.74%
84 Month
View
▼
APR5.74%
Term84 Month
Last UpdatedJul 8, 2026
Details

$30; As Low As

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans Used (2020 & Older) 1-51 month term
5.74%
51 Month
View
▼
APR5.74%
Term51 Month
Last UpdatedJul 8, 2026
Details

As Low As; Used (2020 & Older)

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
View
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details

As low as

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 66 Months
5.74%
Up to 66 Months
View
▼
APR5.74%
TermUp to 66 Months
Last UpdatedJul 11, 2026
Details

As Low As

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 78 Months
5.74%
Up to 78 Months
View
▼
APR5.74%
TermUp to 78 Months
Last UpdatedJul 11, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2017

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2016/Older
5.74%
48 months
View
▼
APR5.74%
Term48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2017
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles (2019-2020) Loan
5.74%
48 months
View
▼
APR5.74%
Term48 months
Last UpdatedJul 12, 2026
Details

As Low As

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles (2021-2023 & 2024 - less than K) Loan
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details

$15; As Low As

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles Loan
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedJul 12, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 650-719

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 48 Months
5.75%
48 Months
View
▼
APR5.75%
Term48 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 60 Months
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 24 Months
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 72 Months
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedJul 6, 2026
Details

Northwestern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New Car Loan
5.75%
Up to 72 mo.
View
▼
APR5.75%
TermUp to 72 mo.
Last UpdatedJul 8, 2026
Details

As low as

Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.75%
1-60Months
View
▼
APR5.75%
Term1-60Months
Last UpdatedJul 12, 2026
Details

Credit Rating: A

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 72 Months
5.76%
Up to 72 Months
View
▼
APR5.76%
TermUp to 72 Months
Last UpdatedJul 11, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Autos & Trucks
5.78%
61 to 72 Months
View
▼
APR5.78%
Term61 to 72 Months
Last UpdatedJul 6, 2026
Details

2022-2024

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.79%
48 Months
View
▼
APR5.79%
Term48 Months
Last UpdatedJul 6, 2026
Details

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 75 Months
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedJul 6, 2026
Details

As Low As

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Vehicles 2022 - 2021 Models (Loan Amounts of or Greater) - 49 to 60 Months
5.79%
49 to 60 Months
View
▼
APR5.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details

$30,000

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 60 Months
5.81%
Up to 60 Months
View
▼
APR5.81%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.86%
24 Months
View
▼
APR5.86%
Term24 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (over 7 yrs)
5.86%
24 Months
View
▼
APR5.86%
Term24 Months
Last UpdatedJul 10, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.89%
60 Months
View
▼
APR5.89%
Term60 Months
Last UpdatedJul 6, 2026
Details

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - 2020 - 2016
5.89%
48 months
View
▼
APR5.89%
Term48 months
Last UpdatedJul 6, 2026
Details

APR*

Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
New Vehicle Loan
5.90%
48 Months
View
▼
APR5.90%
Term48 Months
Last UpdatedJul 8, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
View
▼
APR5.90%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details

As low as

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New Autos 2025 & Newer
5.91%
73-84 Months
View
▼
APR5.91%
Term73-84 Months
Last UpdatedJul 11, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedJul 6, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedJul 6, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
5.93%
73-84 Months
View
▼
APR5.93%
Term73-84 Months
Last UpdatedJul 11, 2026
Details

Fredericksburg New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.50%
24 Months
View
▼
APR2.50%
Term24 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.75%
36 Months
View
▼
APR2.75%
Term36 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.00%
48 Months
View
▼
APR3.00%
Term48 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.25%
60 Months
View
▼
APR3.25%
Term60 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.50%
72 Months
View
▼
APR3.50%
Term72 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.74%
60 Months
View
▼
APR3.74%
Term60 Months
Last UpdatedJul 10, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.75%
24 Months
View
▼
APR3.75%
Term24 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 650-719

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
View
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.80%
48 Months
View
▼
APR3.80%
Term48 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.90%
36 Months
View
▼
APR3.90%
Term36 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedJul 10, 2026
Details

Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Autos
3.99%
up to 48 months
View
▼
APR3.99%
Termup to 48 months
Last UpdatedJul 11, 2026
Details

As Low As; financing on new and used autos.

LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
New Auto 2026
3.99%
up to 48 months
View
▼
APR3.99%
Termup to 48 months
Last UpdatedJul 11, 2026
Details

Rates as low as

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 720-749

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
View
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Vehicle Loan
4.00%
36 Months - 63 Months
View
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 11, 2026
Details

As Low As

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
View
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 11, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
4.10%
24 Months
View
▼
APR4.10%
Term24 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedJul 10, 2026
Details

Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2020 & Newer
4.24%
Up to 60 Months
View
▼
APR4.24%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 650-719

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.29%
Up to 36 Months
View
▼
APR4.29%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedJul 6, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.31%
48 Months
View
▼
APR4.31%
Term48 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedJul 6, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.41%
36 Months
View
▼
APR4.41%
Term36 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedJul 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedJul 6, 2026
Details

As Low As

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $4,000

Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2020 & Newer
4.49%
Up to 76 Months
View
▼
APR4.49%
TermUp to 76 Months
Last UpdatedJul 11, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 750+

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedJul 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
View
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Vehicle Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedJul 11, 2026
Details

over $20,000; As Low As

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
4.54%
37-48 Months
View
▼
APR4.54%
Term37-48 Months
Last UpdatedJul 11, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedJul 6, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.60%
24 Months
View
▼
APR4.60%
Term24 Months
Last UpdatedJul 10, 2026
Details

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - New - 2024
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedJul 6, 2026
Details

APR*

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $7,500

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - New - 2024
4.70%
60 months
View
▼
APR4.70%
Term60 months
Last UpdatedJul 6, 2026
Details

APR*

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.74%
Up to 84 months
View
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details

Rates As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2026/2025/2024/2023

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2020
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2021
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2022
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.75%
84 Months
View
▼
APR4.75%
Term84 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 720-749

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedJul 6, 2026
Details

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details

over $20,000; As Low As

Toledo Urban Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.96%
New Auto
4.75%
Up to 84 Months
View
▼
APR4.75%
TermUp to 84 Months
Last UpdatedJul 12, 2026
Details

LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan - New - 2024
4.89%
72 months
View
▼
APR4.89%
Term72 months
Last UpdatedJul 6, 2026
Details

APR*

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $10,000

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedJul 11, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New Autos 2025 & Newer
4.93%
up to 72 Months
View
▼
APR4.93%
Termup to 72 Months
Last UpdatedJul 11, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.95%
72 Months
View
▼
APR4.95%
Term72 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedJul 6, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
4.96%
up to 72 Months
View
▼
APR4.96%
Termup to 72 Months
Last UpdatedJul 11, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 66 Months
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedJul 6, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedJul 8, 2026
Details

As Low As; fixed

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
New Vehicle Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedJul 11, 2026
Details

$25,000; As Low As

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedJul 11, 2026
Details

over $25,000; As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle Loan
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedJul 11, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 650-719

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.00%
Up to 84 Months
View
▼
APR5.00%
TermUp to 84 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car Loans
5.00%
1-6 year loan
View
▼
APR5.00%
Term1-6 year loan
Last UpdatedJul 11, 2026
Details

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan
5.04%
73-78 Months
View
▼
APR5.04%
Term73-78 Months
Last UpdatedJul 11, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos & Trucks
5.08%
Up to 60 months
View
▼
APR5.08%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details

As Low As; 4.74% Rate

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
60 months
View
▼
APR5.09%
Term60 months
Last UpdatedJul 11, 2026
Details

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
View
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $15,000

Pathways Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.22%
New Auto Loans
5.24%
Terms up to 85 months available
View
▼
APR5.24%
TermTerms up to 85 months available
Last UpdatedJul 13, 2026
Details

As Low As; 3 model year vehicles

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedJul 6, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
NEW AUTO up to 66 mos
5.25%
up to 66 mos
View
▼
APR5.25%
Termup to 66 mos
Last UpdatedJul 11, 2026
Details

Tier/LTV: A+/ 110%

Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.25%
1-60Months
View
▼
APR5.25%
Term1-60Months
Last UpdatedJul 12, 2026
Details

Credit Rating: A+

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos & Trucks
5.28%
61 to 72 Months
View
▼
APR5.28%
Term61 to 72 Months
Last UpdatedJul 6, 2026
Details

As Low As; 4.99% Rate

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedJul 6, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
72 months
View
▼
APR5.29%
Term72 months
Last UpdatedJul 11, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
NEW AUTO up to 66 mos
5.35%
up to 66 mos
View
▼
APR5.35%
Termup to 66 mos
Last UpdatedJul 11, 2026
Details

Tier/LTV: A / 105%

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedJul 6, 2026
Details

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 63 Months
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedJul 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 75 Months
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedJul 6, 2026
Details

As Low As

OUCU Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New vehicles 2025 and newer Loan
5.49%
24 Months
View
▼
APR5.49%
Term24 Months
Last UpdatedJul 6, 2026
Details

As Low As*; current model year or prior model year with fewer than 15,000 miles

Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New or Used Vehicles Loan
5.49%
up to 96 months
View
▼
APR5.49%
Termup to 96 months
Last UpdatedJul 11, 2026
Details

As Low As; We Will Finance: up to 120% LTV*

Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2023 & Newer
5.49%
77 to 84 Months
View
▼
APR5.49%
Term77 to 84 Months
Last UpdatedJul 11, 2026
Details

ih Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.13%
New & Used Vehicles (Models 2023 & Newer) Loan
5.49%
63 months
View
▼
APR5.49%
Term63 months
Last UpdatedJul 11, 2026
Details

As Low As; Rate may be higher based on individual circumstance and credit score.

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 73 to 84 months Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedJul 11, 2026
Details

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2019

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2018
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2019
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Vehicle - 2025 & 2026 Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedJul 12, 2026
Details

As Low As

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
NEW AUTO up to 66 mos
5.50%
up to 66 mos
View
▼
APR5.50%
Termup to 66 mos
Last UpdatedJul 11, 2026
Details

Tier/LTV: B / 100%

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedJul 6, 2026
Details

Greater Cincinnati School Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
NEW AUTO up to 66 mos
5.65%
up to 66 mos
View
▼
APR5.65%
Termup to 66 mos
Last UpdatedJul 11, 2026
Details

Tier/LTV: C / 100%

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.69%
72 Months
View
▼
APR5.69%
Term72 Months
Last UpdatedJul 6, 2026
Details

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 84 Months
5.72%
Up to 84 Months
View
▼
APR5.72%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details

As Low As

OUCU Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New vehicles 2025 and newer Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedJul 6, 2026
Details

As Low As*; current model year or prior model year with fewer than 15,000 miles

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
View
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details

As low as

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 66 Months
5.74%
Up to 66 Months
View
▼
APR5.74%
TermUp to 66 Months
Last UpdatedJul 11, 2026
Details

As Low As

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 78 Months
5.74%
Up to 78 Months
View
▼
APR5.74%
TermUp to 78 Months
Last UpdatedJul 11, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2017

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2016/Older
5.74%
48 months
View
▼
APR5.74%
Term48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2017
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedJul 6, 2026
Details

Credit Score: 650-719

Northwestern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New Car Loan
5.75%
Up to 72 mo.
View
▼
APR5.75%
TermUp to 72 mo.
Last UpdatedJul 8, 2026
Details

As low as

Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.75%
1-60Months
View
▼
APR5.75%
Term1-60Months
Last UpdatedJul 12, 2026
Details

Credit Rating: A

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 72 Months
5.76%
Up to 72 Months
View
▼
APR5.76%
TermUp to 72 Months
Last UpdatedJul 11, 2026
Details

As Low As

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 75 Months
5.79%
75 Months
View
▼
APR5.79%
Term75 Months
Last UpdatedJul 6, 2026
Details

As Low As

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 60 Months
5.81%
Up to 60 Months
View
▼
APR5.81%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details

As Low As

Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
New Vehicle Loan
5.90%
48 Months
View
▼
APR5.90%
Term48 Months
Last UpdatedJul 8, 2026
Details

As Low As

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
View
▼
APR5.90%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details

As low as

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New Autos 2025 & Newer
5.91%
73-84 Months
View
▼
APR5.91%
Term73-84 Months
Last UpdatedJul 11, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedJul 6, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
5.93%
73-84 Months
View
▼
APR5.93%
Term73-84 Months
Last UpdatedJul 11, 2026
Details

Fredericksburg Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
3.75%
Up to 48 Months
View
▼
APR3.75%
TermUp to 48 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.00%
Up to 60 Months
View
▼
APR4.00%
TermUp to 60 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
View
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 11, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedJul 6, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.31%
48 Months
View
▼
APR4.31%
Term48 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedJul 6, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.41%
36 Months
View
▼
APR4.41%
Term36 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedJul 6, 2026
Details

As Low As

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $4,000

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 24 Months
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedJul 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.50%
Up to 72 Months
View
▼
APR4.50%
TermUp to 72 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017.

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedJul 6, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.60%
24 Months
View
▼
APR4.60%
Term24 Months
Last UpdatedJul 10, 2026
Details

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $7,500

CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Pre-Owned Vehicle Loan
4.74%
Up to 84 months
View
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details

Rates As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2026/2025/2024/2023

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2020
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2021
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2022
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details

As Low As*

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 24 Months
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 36 Months
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedJul 6, 2026
Details

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedJul 11, 2026
Details

over $20,000; As Low As

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $10,000

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedJul 11, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.95%
72 Months
View
▼
APR4.95%
Term72 Months
Last UpdatedJul 10, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedJul 6, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
4.96%
up to 72 Months
View
▼
APR4.96%
Termup to 72 Months
Last UpdatedJul 11, 2026
Details

Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Used Vehicle 2023 or newer Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedJul 11, 2026
Details

over $25,000; As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 24 Months
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 36 Months
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 48 Months
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedJul 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.00%
Up to 84 Months
View
▼
APR5.00%
TermUp to 84 Months
Last UpdatedJul 8, 2026
Details

As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2021-2023
5.04%
up to 72 Months
View
▼
APR5.04%
Termup to 72 Months
Last UpdatedJul 11, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
60 months
View
▼
APR5.09%
Term60 months
Last UpdatedJul 11, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2021-2023
5.11%
up to 60 Months
View
▼
APR5.11%
Termup to 60 Months
Last UpdatedJul 11, 2026
Details

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.14%
Up to 36 Months
View
▼
APR5.14%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.19%
36 Months
View
▼
APR5.19%
Term36 Months
Last UpdatedJul 6, 2026
Details

Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
View
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details

Minimum Loan Amount $15,000

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 24 Months
5.25%
24 Months
View
▼
APR5.25%
Term24 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 36 Months
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 48 Months
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 60 Months
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedJul 6, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedJul 6, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
72 months
View
▼
APR5.29%
Term72 months
Last UpdatedJul 11, 2026
Details

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Autos & Trucks
5.33%
Up to 60 Months
View
▼
APR5.33%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details

2022-2024

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2019-2020
5.35%
up to 60 Months
View
▼
APR5.35%
Termup to 60 Months
Last UpdatedJul 11, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedJul 6, 2026
Details

Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedJul 11, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedJul 6, 2026
Details

Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicles Loan
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedJul 8, 2026
Details

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans Used (2021-2026) 1-75 month term
5.49%
75 Month
View
▼
APR5.49%
Term75 Month
Last UpdatedJul 8, 2026
Details

As Low As; Used (2021-2026)

Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New or Used Vehicles Loan
5.49%
up to 96 months
View
▼
APR5.49%
Termup to 96 months
Last UpdatedJul 11, 2026
Details

As Low As; We Will Finance: up to 120% LTV*

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 1-3 years old Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedJul 11, 2026
Details

As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 4-5 years old Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedJul 11, 2026
Details

As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 6-7 years old Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details

As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 8 years or older Loan
5.49%
up to 48 months
View
▼
APR5.49%
Termup to 48 months
Last UpdatedJul 11, 2026
Details

As Low As

Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 8-plus years Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedJul 11, 2026
Details

As Low As

ih Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.13%
New & Used Vehicles (Models 2023 & Newer) Loan
5.49%
63 months
View
▼
APR5.49%
Term63 months
Last UpdatedJul 11, 2026
Details

As Low As; Rate may be higher based on individual circumstance and credit score.

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 73 to 84 months Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedJul 11, 2026
Details

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2019

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2018
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2019
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 36 Months
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 48 Months
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 60 Months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 72 Months
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedJul 6, 2026
Details

Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedJul 6, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedJul 10, 2026
Details

Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Car Loans
5.50%
1-4 year loan
View
▼
APR5.50%
Term1-4 year loan
Last UpdatedJul 11, 2026
Details

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2019-2020
5.50%
up to 48 Months
View
▼
APR5.50%
Termup to 48 Months
Last UpdatedJul 11, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.56%
48 Months
View
▼
APR5.56%
Term48 Months
Last UpdatedJul 10, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedJul 6, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Vehicles 2022 - 2021 Models (Loan Amounts of or Greater) - Up to 48 Months
5.59%
Up to 48 Months
View
▼
APR5.59%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details

$30,000

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.66%
36 Months
View
▼
APR5.66%
Term36 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (over 7 yrs)
5.66%
36 Months
View
▼
APR5.66%
Term36 Months
Last UpdatedJul 10, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.69%
36 Months
View
▼
APR5.69%
Term36 Months
Last UpdatedJul 6, 2026
Details

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 84 Months
5.72%
Up to 84 Months
View
▼
APR5.72%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details

As Low As

Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans Used (2020 & Older) 1-51 month term
5.74%
51 Month
View
▼
APR5.74%
Term51 Month
Last UpdatedJul 8, 2026
Details

As Low As; Used (2020 & Older)

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
View
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details

As low as

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 66 Months
5.74%
Up to 66 Months
View
▼
APR5.74%
TermUp to 66 Months
Last UpdatedJul 11, 2026
Details

As Low As

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 78 Months
5.74%
Up to 78 Months
View
▼
APR5.74%
TermUp to 78 Months
Last UpdatedJul 11, 2026
Details

As Low As

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*; Model Year: 2017

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2016/Older
5.74%
48 months
View
▼
APR5.74%
Term48 months
Last UpdatedJul 12, 2026
Details

As Low As*

BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2017
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details

As Low As*

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles (2019-2020) Loan
5.74%
48 months
View
▼
APR5.74%
Term48 months
Last UpdatedJul 12, 2026
Details

As Low As

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles (2021-2023 & 2024 - less than K) Loan
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details

$15; As Low As

Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles Loan
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedJul 12, 2026
Details

As Low As

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 48 Months
5.75%
48 Months
View
▼
APR5.75%
Term48 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2016 & Older) - 60 Months
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 24 Months
5.75%
24 Months
View
▼
APR5.75%
Term24 Months
Last UpdatedJul 6, 2026
Details

YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017) - 72 Months
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedJul 6, 2026
Details

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 72 Months
5.76%
Up to 72 Months
View
▼
APR5.76%
TermUp to 72 Months
Last UpdatedJul 11, 2026
Details

As Low As

TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Autos & Trucks
5.78%
61 to 72 Months
View
▼
APR5.78%
Term61 to 72 Months
Last UpdatedJul 6, 2026
Details

2022-2024

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.79%
48 Months
View
▼
APR5.79%
Term48 Months
Last UpdatedJul 6, 2026
Details

USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Vehicles 2022 - 2021 Models (Loan Amounts of or Greater) - 49 to 60 Months
5.79%
49 to 60 Months
View
▼
APR5.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details

$30,000

Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 60 Months
5.81%
Up to 60 Months
View
▼
APR5.81%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details

As Low As

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.86%
24 Months
View
▼
APR5.86%
Term24 Months
Last UpdatedJul 10, 2026
Details

Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (over 7 yrs)
5.86%
24 Months
View
▼
APR5.86%
Term24 Months
Last UpdatedJul 10, 2026
Details

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.89%
60 Months
View
▼
APR5.89%
Term60 Months
Last UpdatedJul 6, 2026
Details

General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 63 months Loan
5.90%
Up to 63 months
View
▼
APR5.90%
TermUp to 63 months
Last UpdatedJul 11, 2026
Details

As low as

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedJul 6, 2026
Details

As Low As

Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
5.93%
73-84 Months
View
▼
APR5.93%
Term73-84 Months
Last UpdatedJul 11, 2026
Details

Fredericksburg, OH Auto Loan Rate Trends

Compare local Fredericksburg, OH 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 Ohio Auto Trends →
New Auto Loan — OH Avg
5.762%
▲ 0.087 vs 7 days ago

Ohio new auto rates rose 0.087 points over the past 7 days to 5.762% APR.

Used Auto Loan — OH Avg
6.584%
▲ 0.130 vs 7 days ago

Ohio used auto rates rose 0.130 points over the past 7 days to 6.584% APR.

As of Jul 14, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fredericksburg, Ohio auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Fredericksburg, Ohio directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Fredericksburg, Ohio. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OH.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in Fredericksburg, Ohio

How does my credit score affect my car loan rate in Ohio?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Fredericksburg, Ohio 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 Ohio *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 Fredericksburg, Ohio 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 Fredericksburg, Ohio?

Based on our current data, some of the lowest auto loan rates available in Fredericksburg, Ohio include:
  • YTR Community Federal Credit Union: 2.50% (New Auto (2022-Newer))
  • United Federal Credit Union: 2.99% (Auto Loan)
  • Riverview Federal Credit Union: 3.74% (New Vehicle Loan)
  • Homeland Credit Union: 3.99% (Auto Loans 2025-2026)
  • Abbott Laboratories Credit Union: 3.99% (New Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Fredericksburg, Ohio. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 13, 2026

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