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  9. Auto Loan Rate Trends

New Miami, Ohio Best Auto Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in New Miami, 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: October 12, 2026

New Miami, Ohio auto loan rates from lenders serving Ohio range from 1.99% to 5.24% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in New Miami, Ohio include Materion Federal Credit UnionMaterion Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering Vehicle Loan at 1.99%, YTR Community Federal Credit UnionYTR Community Federal Credit UnionA+5.0 ★Texas Ratio: 4.80% offering New Auto (2022-Newer) at 2.50%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11% offering Fixed Rate New & Used Auto Loans at 2.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.

New Miami borrowers have access to 61 lenders serving the Ohio area, with auto loan rates as low as 1.99% APR from Materion Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in New Miami, Ohio. Auto Loan Rates Last Updated and Verified: October 12, 2026

Compare Auto Loan Rates Today in New Miami, Ohio & Surrounding Area

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

New Miami Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Materion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
1.99%
60 months
View
▼
APR1.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Finance up to 125% of purchase price or collateral value, including tax & title. Monthly installments of $368.25 based on $20,000.00 loan amount over 60 months, 3.99%, 100% LTV. Fixed rate. No prepayment penalty. No Application Fee. Rates and terms are determined by your credit qualifications, loan to value and term. Loan rates effective December 28, 2023 and are subject to change. All loans subject to credit approval.

Rate History
No change since Oct 9, 2026 · 1.99% APR
1.49%1.99%2.49%Oct 9, 2026: 1.99% APROct 9, 2026Oct 13, 2026
Materion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
1.99%
60 months
View
▼
APR1.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Finance up to 125% of purchase price or collateral value, including tax & title. Monthly installments of $372.78 based on $20,000.00 loan amount over 60 months, 4.49% 100% LTV. Fixed rate. No prepayment penalty. No Application Fee. Rates and terms are determined by your credit qualifications, loan to value and term. Loan rates effective December 28, 2023 and are subject to change. All loans subject to credit approval.

Rate History
No change since Oct 9, 2026 · 1.99% APR
1.49%1.99%2.49%Oct 9, 2026: 1.99% APROct 9, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
2.50%
24 Months
View
▼
APR2.50%
Interest Rate2.50%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 2.50% APR · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
2.75%
24 Months
View
▼
APR2.75%
Interest Rate2.75%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 2.75% APR · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
2.75%
36 Months
View
▼
APR2.75%
Interest Rate2.75%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 2.75% APR · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APRSep 18, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.00%
36 Months
View
▼
APR3.00%
Interest Rate3.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.00%
48 Months
View
▼
APR3.00%
Interest Rate3.00%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.25%
48 Months
View
▼
APR3.25%
Interest Rate3.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 3.25% APR · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.25%
60 Months
View
▼
APR3.25%
Interest Rate3.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 3.25% APR · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.50%
60 Months
View
▼
APR3.50%
Interest Rate3.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.50%
72 Months
View
▼
APR3.50%
Interest Rate3.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.75%
24 Months
View
▼
APR3.75%
Interest Rate3.75%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 3.75% APR · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APRSep 18, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Greater Cleveland Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.26%
Auto Loans
3.99%
up to 84 months
View
▼
APR3.99%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; Members can purchase optional loan protection products like Extended Warranty Repair Coverage, GAP insurance, and Credit Life Insurance to further reduce the loan interest rate. These products provide financial protection in case of accidents, theft, mechanical repairs and other unforeseen circumstances. Loans over $25,000 on vehicles 8 - 10yrs old must be signed-off by President/CEO

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Auto 2026/27
3.99%
up to 48 months
View
▼
APR3.99%
Termup to 48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Auto 2026/27
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.00%
36 Months
View
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.00%
72 Months
View
▼
APR4.00%
Interest Rate4.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
1 change since Sep 14, 2026 · 7.00% → 4.00% ▼ 3.00 pts · high 7.00% / low 4.00%
1.00%5.50%10.00%Sep 14, 2026: 7.00% APRSep 17, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
1 change since Sep 14, 2026 · 5.25% → 4.00% ▼ 1.25 pts · high 5.25% / low 4.00%
2.75%4.63%6.50%Sep 14, 2026: 5.25% APRSep 17, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.00%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.15%
48 months
View
▼
APR4.15%
Interest Rate4.15%
Term48 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.15% APR · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APRSep 30, 2026Oct 13, 2026
Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Auto Loans 2025-2026
4.19%
Up to 66 Months
View
▼
APR4.19%
TermUp to 66 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.19% - 16.99%. Year: 2025-2026

Rate History
No change since Oct 9, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 9, 2026: 4.19% APROct 9, 2026Oct 13, 2026
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
GREEN Vehicles Loan
4.24%
Up to 84 months
View
▼
APR4.24%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

New vehicles; 110% financing; any vehicle with EPA estimated mileage of 35MPG/City or HYBRID

Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.25%
48 Months
View
▼
APR4.25%
Interest Rate4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
1 change since Sep 14, 2026 · 5.25% → 4.25% ▼ 1.00 pts · high 5.25% / low 4.25%
3.25%4.75%6.25%Sep 14, 2026: 5.25% APRSep 17, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.25%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.50% APRSep 17, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.25%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Newer Models (2023 & Newer) Auto Loan
4.25%
Up to 72 months
View
▼
APR4.25%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Up to 100% Financing; Model Year: 2023 & Newer; Rates as of April 1, 2026

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Auto Loan
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedOct 12, 2026
Details

Additional APR listed for this product: 4.74%. Sample monthly payment for a loan of $20,000 and a term of 72 months at 4.25% APR would be approximately $315.19; at 4.74% APR would be approximately $319.69. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. All rates and promotions subject to change without notice.

Rate History
No change since Sep 16, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 16, 2026: 4.25% APRSep 16, 2026Oct 13, 2026
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
Vehicle Loans
4.26%
72 months
View
▼
APR4.26%
Interest Rate3.99%
Term72 months
Last UpdatedOct 10, 2026
Details

Qualifications Required: Credit score of 660 or higher; Vehicles 2019 and newer have an interest rate of 3.99% (APR: 4.260%*) when you have a credit score of 660 or higher. *APR based on a $30,000.00 loan with a $199.00 closing fee for 72 months. See loan dept. for details.

Rate History
No change since Sep 18, 2026 · 4.26% APR · checked 5 times
3.76%4.26%4.76%Sep 18, 2026: 4.26% APRSep 18, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
4.29%
Up to 36 Months
View
▼
APR4.29%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 6 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Auto Loan
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 9, 2026
Details

Vehicle Year: 2020 and newer

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $4,000

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
PSE Credit Union Inc
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
Auto Loan
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedOct 10, 2026
Details

Additional APR listed for this product: 9.99%, 10.51%. As Low As; Rate includes a .25% discount for having payroll deposit or electronic payment. Additional terms and rates are available, new money only. This is a limited time offer, loan approval is not guaranteed. Standard underwriting criteria, terms and conditions apply. This promotion cannot be combined with any other loan discounts.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
New Vehicles (Never Titled) 2025-2026 - Carfax Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APROct 8, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 months
View
▼
APR4.50%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Solon Chagrin Falls Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New Vehicle Loan
4.50%
up to 36 Months
View
▼
APR4.50%
Termup to 36 Months
Last UpdatedOct 9, 2026
Details

Actual Rate is based on your Credit Score (rates listed = 740+ credit score). Add 0.25%/0.26% if payments are NOT made by payroll deduction or ACH.

Rate History
1 change since Sep 29, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 29, 2026: 4.25% APROct 5, 2026: 4.50% APRSep 29, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 29, 20264.25%first recorded
Solon Chagrin Falls Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Refinanced New Vehicle Loan (1 yr old or newer)
4.50%
up to 36 Months
View
▼
APR4.50%
Termup to 36 Months
Last UpdatedOct 9, 2026
Details

Same tiers as New Vehicle; 100% of payoff; 740+ credit score. Add .25/.26 if payments are not made by payroll deduction or ACH.

Rate History
No change since Oct 9, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.50%
60 Months
View
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.50%
84 Months
View
▼
APR4.50%
Interest Rate4.50%
Term84 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A++ 750+

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 7 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Cars & Trucks Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Ohio Teamsters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Vehicle Loan
4.50%
up to 84 Months
View
▼
APR4.50%
Termup to 84 Months
Last UpdatedOct 9, 2026
Details

As Low As; All loans subject to credit approval within underwriting guidelines. Rates change without notice. Please contact OTCU for details.

Rate History
No change since Oct 9, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Vehicle Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
4.54%
37-48 Months
View
▼
APR4.54%
Term37-48 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
4.54%
49-60 Months
View
▼
APR4.54%
Term49-60 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
4.54%
61-72 Months
View
▼
APR4.54%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.54%
4 years
View
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.25 pts · high 4.54% / low 4.30%
3.80%4.42%5.04%Sep 14, 2026: 4.30% APRSep 25, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.54%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.54%
4 years
View
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.25 pts · high 4.54% / low 4.30%
3.80%4.42%5.04%Sep 14, 2026: 4.30% APRSep 25, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.54%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New/Used Cars Loan
4.57%
60 months
View
▼
APR4.57%
Interest Rate4.24%
Term60 months
Last UpdatedOct 9, 2026
Details

Maximum Term: 60*

Rate History
No change since Sep 29, 2026 · 4.57% APR · checked 2 times
4.07%4.57%5.07%Sep 29, 2026: 4.57% APRSep 29, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicle Financing
4.59%
36 months
View
▼
APR4.59%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; 100% Financing; Rates effective 1-2-26. Payment example of 4.59% APR for 36 months would be $250 cash applies only to approved vehicle and motorcycle loans. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. Limited time offer; terms and conditions subject to change without notice.

Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 5 times
4.09%4.59%5.09%Sep 16, 2026: 4.59% APRSep 16, 2026Oct 13, 2026
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Switch Your Vehicle Loan
4.59%
36 months
View
▼
APR4.59%
Term36 months
Last UpdatedOct 12, 2026
Details

Rates as low at 4.59%APR*; Affordable Payment Options; No Application Fees or Hidden Charges; $250 Cash just for Switching; Just bring in your VIN Number, Insurance Information, and Contact Information from Your Current Financial Institution!; Rates Effective January 2, 2026; All loans subject to credit approval. 4.59% APR is based on 2025-2026 vehicles financed for 36 months. Rates subject to changes without notice. Additional rates and terms available. A payment example of 4.59% APR for 36 months would be Contact the Credit Union for additional rate information. $50 minimum payment. $250 cash applies only to approved vehicle and motorcycle loans. Terms and rates not available for purchase or refinance of commercial use vehicles. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. $250 cash may be subject to income tax and reimbursement if the loan is paid off within the first 90 days. Please consult your tax advisor. Limited time offer; terms and conditions subject to change without notice. Federally insured by NCUA. Membership eligibility required.

Rate History
No change since Sep 25, 2026 · 4.59% APR · checked 2 times
4.09%4.59%5.09%Sep 25, 2026: 4.59% APRSep 25, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.64%
3 years
View
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.24 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APRSep 25, 2026: 4.64% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.64%
3 years
View
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.24 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APRSep 25, 2026: 4.64% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.65%
60 months
View
▼
APR4.65%
Interest Rate4.65%
Term60 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.65% APR · checked 3 times
4.15%4.65%5.15%Sep 30, 2026: 4.65% APRSep 30, 2026Oct 13, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedOct 9, 2026
Details

Sample

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 2 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Oct 13, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Vehicle Loan
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedOct 9, 2026
Details

Model Year: New - 2024

Rate History
No change since Oct 5, 2026 · 4.69% APR · checked 2 times
4.19%4.69%5.19%Oct 5, 2026: 4.69% APROct 5, 2026Oct 13, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Vehicle Loan
4.69%
48 months
View
▼
APR4.69%
Term48 months
Last UpdatedOct 9, 2026
Details

Model Year: New - 2024

Rate History
No change since Oct 5, 2026 · 4.69% APR · checked 2 times
4.19%4.69%5.19%Oct 5, 2026: 4.69% APROct 5, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $7,500

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 2 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Oct 13, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Vehicle Loan
4.70%
60 months
View
▼
APR4.70%
Term60 months
Last UpdatedOct 9, 2026
Details

Model Year: New - 2024

Rate History
No change since Oct 5, 2026 · 4.70% APR · checked 2 times
4.20%4.70%5.20%Oct 5, 2026: 4.70% APROct 5, 2026Oct 13, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
4.71%
36 Months
View
▼
APR4.71%
Interest Rate4.25%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 4.71% APR · checked 7 times
4.21%4.71%5.21%Sep 14, 2026: 4.71% APRSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.74%
5 years
View
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.61%5.24%Sep 14, 2026: 4.49% APRSep 25, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.74%
5 years
View
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.61%5.24%Sep 14, 2026: 4.49% APRSep 25, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Vehicles (Model Years: 2024 and Newer) - Term of 72 months or less Loan
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedOct 9, 2026
Details

As Low As; New Vehicles (Model Years: 2024 and Newer)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Vehicles Loan
4.74%
72 months or less
View
▼
APR4.74%
Term72 months or less
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2024 and Newer

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2017-2019) - Term of 48 months or less Loan
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2017-2019)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2020-2021) - Term of 60 months or less Loan
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2020-2021)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2022 and Newer) - Term of 66 months or less Loan
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2022 and Newer)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
4.74%
66 months or less
View
▼
APR4.74%
Term66 months or less
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2022 and Newer

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
4.74%
60 months or less
View
▼
APR4.74%
Term60 months or less
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2020-2021

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
4.74%
48 months or less
View
▼
APR4.74%
Term48 months or less
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2017-2019

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Vehicle Loan
4.74%
Up to 72 months
View
▼
APR4.74%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Rates Current as of April 1, 2026. Rates subject to change with out notice. Please check with our Loan Department for current information.

Rate History
No change since Oct 10, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 10, 2026: 4.74% APROct 10, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
New Vehicles & Motorcycles Loan
4.74%
up to 72 months
View
▼
APR4.74%
Termup to 72 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loan 2020 & Newer
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
Auto Loan
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change at any time. All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.

Rate History
No change since Oct 10, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 10, 2026: 4.74% APROct 10, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Solon Chagrin Falls Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New Vehicle Loan
4.75%
From 37 to 48 Months
View
▼
APR4.75%
TermFrom 37 to 48 Months
Last UpdatedOct 9, 2026
Details

Actual Rate is based on your Credit Score (rates listed = 740+ credit score). Add 0.25%/0.26% if payments are NOT made by payroll deduction or ACH.

Rate History
1 change since Sep 29, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 29, 2026: 4.50% APROct 5, 2026: 4.75% APRSep 29, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.50%
  • Sep 29, 20264.50%first recorded
Solon Chagrin Falls Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Refinanced New Vehicle Loan (1 yr old or newer)
4.75%
From 37 to 48 Months
View
▼
APR4.75%
TermFrom 37 to 48 Months
Last UpdatedOct 9, 2026
Details

Same tiers as New Vehicle; 100% of payoff; 740+ credit score. Add .25/.26 if payments are not made by payroll deduction or ACH.

Rate History
No change since Oct 9, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 9, 2026: 4.75% APROct 9, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.75%
84 Months
View
▼
APR4.75%
Interest Rate4.75%
Term84 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A+ 720-749

Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 17, 2026: 4.75% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A++ 750+

Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 17, 2026: 4.75% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
1 change since Sep 14, 2026 · 6.75% → 4.75% ▼ 2.00 pts · high 6.75% / low 4.75%
2.75%5.75%8.75%Sep 14, 2026: 6.75% APRSep 17, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.75%▼ from 6.75%
  • Sep 14, 20266.75%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
1 change since Sep 14, 2026 · 6.00% → 4.75% ▼ 1.25 pts · high 6.00% / low 4.75%
3.50%5.38%7.25%Sep 14, 2026: 6.00% APRSep 17, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.75%▼ from 6.00%
  • Sep 14, 20266.00%first recorded
Toledo Urban Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.05%
New Auto
4.75%
Up to 84 Months
View
▼
APR4.75%
Interest Rate4.75%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Published rate range: 4.75% - 18%.

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Cars & Trucks Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Cars & Trucks Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
TOLEDO METRO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loan
4.75%
72 months or Less
View
▼
APR4.75%
Term72 months or Less
Last UpdatedOct 10, 2026
Details

Credit Score: A+ 740+; *With .50% discount for Automatic Payments or Direct Deposit

Rate History
No change since Sep 30, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APRSep 30, 2026Oct 13, 2026
TOLEDO METRO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Used Auto Loan
4.75%
72 months or Less
View
▼
APR4.75%
Term72 months or Less
Last UpdatedOct 10, 2026
Details

Credit Score: A+ 740+

Rate History
No change since Sep 30, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APRSep 30, 2026Oct 13, 2026
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
2024 Auto Loan
4.75%
72 Months
View
▼
APR4.75%
Interest Rate4.75%
Term72 Months
Last UpdatedOct 10, 2026
Details

Term: 72 Months (New from Dealership)

Rate History
No change since Oct 6, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Oct 6, 2026: 4.75% APROct 6, 2026Oct 13, 2026
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
2025 Auto Loan
4.75%
72 Months
View
▼
APR4.75%
Interest Rate4.75%
Term72 Months
Last UpdatedOct 10, 2026
Details

Term: 72 Months (New from Dealership)

Rate History
No change since Oct 6, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Oct 6, 2026: 4.75% APROct 6, 2026Oct 13, 2026
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
2026 Auto Loan
4.75%
72 Months
View
▼
APR4.75%
Interest Rate4.75%
Term72 Months
Last UpdatedOct 10, 2026
Details

Term: 72 Months (New from Dealership)

Rate History
No change since Oct 6, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Oct 6, 2026: 4.75% APROct 6, 2026Oct 13, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
Auto Loan - Up to 48 months
4.75%
Up to 48 months
View
▼
APR4.75%
Interest Rate4.75%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Published rate range: 4.75% - 17.99%.

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Auto Loan
4.75%
Up To 36 Months
View
▼
APR4.75%
TermUp To 36 Months
Last UpdatedOct 12, 2026
Details

Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Auto Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedOct 12, 2026
Details

Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Fort Randall Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
Auto Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 12, 2026
Details

Model Year: 2021 - NEW; Credit Tier: Platinum (750 - Above)

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Vehicle Loan
4.79%
48 months
View
▼
APR4.79%
Term48 months
Last UpdatedOct 9, 2026
Details

Model Year: 2023 - 2021

Rate History
No change since Oct 5, 2026 · 4.79% APR · checked 2 times
4.29%4.79%5.29%Oct 5, 2026: 4.79% APROct 5, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
New Vehicle Loan
4.82%
72 Months
View
▼
APR4.82%
Interest Rate4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

As low as; Lowest rate requires a direct deposit in place prior to loan disbursement. APR is based on financing $25,000 for 60 months. $50 processing fee is included in the calculation of the APR.

Rate History
No change since Sep 14, 2026 · 4.82% APR · checked 5 times
4.32%4.82%5.32%Sep 14, 2026: 4.82% APRSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2023 - 2024
4.84%
0 - 36 Months
View
▼
APR4.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
No change since Oct 10, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 10, 2026: 4.84% APROct 10, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.85%
Up to 48 Months
View
▼
APR4.85%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 3.80% → 4.85% ▲ 1.05 pts · high 4.85% / low 3.80%
2.75%4.32%5.90%Sep 17, 2026: 3.80% APROct 2, 2026: 4.85% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20264.85%▲ from 3.80%
  • Sep 17, 20263.80%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
4.85%
48 Months
View
▼
APR4.85%
Interest Rate4.50%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 4.85% APR · checked 7 times
4.35%4.85%5.35%Sep 14, 2026: 4.85% APRSep 14, 2026Oct 13, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Vehicle Loan
4.89%
72 months
View
▼
APR4.89%
Term72 months
Last UpdatedOct 9, 2026
Details

Model Year: New - 2024

Rate History
No change since Oct 5, 2026 · 4.89% APR · checked 2 times
4.39%4.89%5.39%Oct 5, 2026: 4.89% APROct 5, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $10,000

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 2 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.90%
72 months
View
▼
APR4.90%
Interest Rate4.90%
Term72 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 30, 2026: 4.90% APRSep 30, 2026Oct 13, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
Vehicle Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Model Year: 2023 - 2021

Rate History
No change since Oct 5, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 5, 2026: 4.99% APROct 5, 2026Oct 13, 2026
Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Auto Loan
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedOct 9, 2026
Details

Vehicle Year: 2020 and newer

Rate History
No change since Oct 5, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 5, 2026: 4.99% APROct 5, 2026Oct 13, 2026
Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Auto Loan
4.99%
Up to 72 months
View
▼
APR4.99%
TermUp to 72 months
Last UpdatedOct 9, 2026
Details

Vehicle Year: 2020 and newer

Rate History
No change since Oct 5, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 5, 2026: 4.99% APROct 5, 2026Oct 13, 2026
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
2016-2018 Auto Loan
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Oct 13, 2026
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
2019-2023 Auto Loan
4.99%
Up to 60 Months
View
▼
APR4.99%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Oct 13, 2026
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
2024 Auto Loan
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

over $15,000; Rate applies to vehicles over $15,000.

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Oct 13, 2026
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
2025 Auto Loan
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

over $15,000; Rate applies to vehicles over $15,000.

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Oct 13, 2026
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
2025-2026(new/untitled) Auto Loan
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Rate applies to new/untitled vehicles.

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Automobiles (2025 and Newer) - 66 Months
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Vehicle Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedOct 9, 2026
Details

$25,000; As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedOct 9, 2026
Details

over $25,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Wright-Patt Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.22%
Auto Loans (2023 or Newer) - Up to 63 Months
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.99% - 15.44%.

Rate History
1 change since Sep 14, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 5.24% APRSep 18, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.99%▼ from 5.24%
  • Sep 14, 20265.24%first recorded
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loan 2020 & Newer
4.99%
Up to 76 Months
View
▼
APR4.99%
TermUp to 76 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Achieve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.32%
Vehicle Loan
4.99%
Up to 60 Months
View
▼
APR4.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Note: Rate dependent on account held as collateral.

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loan
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

Rates As Low As

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APROct 10, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Pre-Owned Vehicle Loan
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

Rates As Low As

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APROct 10, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.44%
New Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; 60 Months fixed; More Info

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
5.00%
72 Months
View
▼
APR5.00%
Interest Rate5.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2016 & Older) - 24 Months
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A+ 720-749

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A++ 750+

Rate History
2 changes since Sep 17, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 14.25% / low 5.00%
0.00%11.75%23.50%Sep 17, 2026: 5.00% APRSep 21, 2026: 14.25% APRSep 25, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Sep 25, 20265.00%▼ from 14.25%
  • Sep 21, 202614.25%▲ from 5.00%
  • Sep 17, 20265.00%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.00% ▼ 2.00 pts · high 7.00% / low 5.00%
3.00%6.00%9.00%Sep 14, 2026: 7.00% APRSep 17, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
1 change since Sep 14, 2026 · 6.00% → 5.00% ▼ 1.00 pts · high 6.00% / low 5.00%
4.00%5.50%7.00%Sep 14, 2026: 6.00% APRSep 17, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▼ from 6.00%
  • Sep 14, 20266.00%first recorded
Local Union 392 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Auto Loans 2026 - 2027 6,000 Miles or Less - A+
5.00%
1-36 Months
View
▼
APR5.00%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Cars & Trucks Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
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 UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
CLEVELAND SELFRELIANCE
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
2025 Auto Loan
5.00%
60 Months (Used)
View
▼
APR5.00%
Interest Rate5.00%
Term60 Months (Used)
Last UpdatedOct 10, 2026
Details

Rate History
No change since Oct 6, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Oct 6, 2026: 5.00% APROct 6, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
3.10%4.53%5.95%Sep 17, 2026: 4.05% APROct 2, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.00%
Up to 3 years
View
▼
APR5.00%
TermUp to 3 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.50% APROct 12, 2026: 5.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.50%
  • Oct 8, 20265.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.00%
Up to 4 years
View
▼
APR5.00%
TermUp to 4 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.50% APROct 12, 2026: 5.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.50%
  • Oct 8, 20265.50%first recorded
Nickel Steel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
NEW/NEWER VEHICLES (2026-2023) Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 12, 2026
Details

Daily Periodic Rate: Starting @ 0.01370%

Rate History
No change since Sep 12, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 12, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Cars (Model Years 2023-2021) Loan
5.00%
36-48 Months
View
▼
APR5.00%
Term36-48 Months
Last UpdatedOct 12, 2026
Details

Beacon Score: 725+; Used cars will be given average trade in value in NADA book

Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
5.04%
60 Months
View
▼
APR5.04%
Interest Rate4.75%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 7 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
5.04%
73-78 Months
View
▼
APR5.04%
Term73-78 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 6 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Vehicle Loan
5.04%
24 Months
View
▼
APR5.04%
Term24 Months
Last UpdatedOct 10, 2026
Details

As Low As; 4.29%

Rate History
No change since Oct 10, 2026 · 5.04% APR
4.54%5.04%5.54%Oct 10, 2026: 5.04% APROct 10, 2026Oct 13, 2026
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Autos & Trucks (2026-2027)
5.08%
Up to 60 months
View
▼
APR5.08%
Interest Rate4.74%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Based on TruePerks membership and credit score of 700 or better

Rate History
No change since Oct 4, 2026 · 5.08% APR · checked 2 times
4.58%5.08%5.58%Oct 4, 2026: 5.08% APROct 4, 2026Oct 13, 2026
Abbey Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.11%
Vehicle Loan
5.10%
Up to 63 Months
View
▼
APR5.10%
Interest Rate5.10%
TermUp to 63 Months
Last UpdatedOct 10, 2026
Details

2023 or Newer

Rate History
No change since Sep 14, 2026 · 5.10% APR · checked 6 times
4.60%5.10%5.60%Sep 14, 2026: 5.10% APRSep 14, 2026Oct 13, 2026
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Vehicle Loan
5.12%
36 Months
View
▼
APR5.12%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As; 4.49%

Rate History
No change since Oct 10, 2026 · 5.12% APR
4.62%5.12%5.62%Oct 10, 2026: 5.12% APROct 10, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
Used Auto Loan
5.14%
Up to 36 Months
View
▼
APR5.14%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 6 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
Used Auto Loan
5.14%
37-48 Months
View
▼
APR5.14%
Term37-48 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 6 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
Used Auto Loan
5.14%
49-60 Months
View
▼
APR5.14%
Term49-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 6 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
USX Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2027-2026-2025-2024 Loan
5.14%
Up to 48 months
View
▼
APR5.14%
TermUp to 48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Oct 6, 2026 · 5.14% APR · checked 2 times
4.64%5.14%5.64%Oct 6, 2026: 5.14% APROct 6, 2026Oct 13, 2026
Falls Catholic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Vehicle Loan
5.15%
48 Months
View
▼
APR5.15%
Term48 Months
Last UpdatedOct 10, 2026
Details

As Low As; 4.69%

Rate History
No change since Oct 10, 2026 · 5.15% APR
4.65%5.15%5.65%Oct 10, 2026: 5.15% APROct 10, 2026Oct 13, 2026
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
NEW VEHICLE LOAN
5.15%
72 months
View
▼
APR5.15%
Term72 months
Last UpdatedOct 9, 2026
Details

Buy that new vehicle you've been wanting!

Rate History
1 change since Sep 21, 2026 · 5.10% → 5.15% ▲ 0.05 pts · high 5.15% / low 5.10%
4.60%5.13%5.65%Sep 21, 2026: 5.10% APROct 5, 2026: 5.15% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20265.15%▲ from 5.10%
  • Sep 21, 20265.10%first recorded
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
PRE OWNED VEHICLE LOAN
5.15%
60 months
View
▼
APR5.15%
Term60 months
Last UpdatedOct 9, 2026
Details

Great rates on used autos too!

Rate History
1 change since Sep 21, 2026 · 5.10% → 5.15% ▲ 0.05 pts · high 5.15% / low 5.10%
4.60%5.13%5.65%Sep 21, 2026: 5.10% APROct 5, 2026: 5.15% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20265.15%▲ from 5.10%
  • Sep 21, 20265.10%first recorded
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
5.15%
84 months
View
▼
APR5.15%
Interest Rate5.15%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 5.15% APR · checked 3 times
4.65%5.15%5.65%Sep 30, 2026: 5.15% APRSep 30, 2026Oct 13, 2026
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2025 & Newer New Auto
5.18%
up to 72 Months
View
▼
APR5.18%
Interest Rate4.99%
Termup to 72 Months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Oct 10, 2026 · 5.18% APR
4.68%5.18%5.68%Oct 10, 2026: 5.18% APROct 10, 2026Oct 13, 2026
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Autos - 2025 & Newer
5.18%
up to 72 Months
View
▼
APR5.18%
Interest Rate4.99%
Termup to 72 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.93% → 5.18% ▲ 0.25 pts · high 5.18% / low 4.93%
4.43%5.06%5.68%Sep 14, 2026: 4.93% APRSep 27, 2026: 5.18% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.18%▲ from 4.93%
  • Sep 14, 20264.93%first recorded
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
5.19%
76 - 88 Months
View
▼
APR5.19%
Term76 - 88 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $15,000

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 2 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
5.20%
6 years
View
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.95% → 5.20% ▲ 0.25 pts · high 5.20% / low 4.95%
4.45%5.08%5.70%Sep 14, 2026: 4.95% APRSep 25, 2026: 5.20% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20265.20%▲ from 4.95%
  • Sep 14, 20264.95%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
5.20%
6 years
View
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.95% → 5.20% ▲ 0.25 pts · high 5.20% / low 4.95%
4.45%5.08%5.70%Sep 14, 2026: 4.95% APRSep 25, 2026: 5.20% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20265.20%▲ from 4.95%
  • Sep 14, 20264.95%first recorded
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Used Autos - 2024 & Newer
5.21%
up to 72 Months
View
▼
APR5.21%
Interest Rate4.99%
Termup to 72 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.96% → 5.21% ▲ 0.25 pts · high 5.21% / low 4.96%
4.46%5.09%5.71%Sep 14, 2026: 4.96% APRSep 27, 2026: 5.21% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.21%▲ from 4.96%
  • Sep 14, 20264.96%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
Used Automobiles (2021 - 2024)
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
Cleveland Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.99%
1st Time Car Buyer Program Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedOct 9, 2026
Details

As low as; Qualifications apply.

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Vehicles (Model Years: 2024 and Newer) - Term of 73 to 84 months Loan
5.24%
73 to 84 months
View
▼
APR5.24%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; New Vehicles (Model Years: 2024 and Newer)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Vehicles Loan
5.24%
73 to 84 months
View
▼
APR5.24%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2024 and Newer

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2017-2019) - Term of 49 to 54 months Loan
5.24%
49 to 54 months
View
▼
APR5.24%
Term49 to 54 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2017-2019)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2020-2021) - Term of 61 to 66 months Loan
5.24%
61 to 66 months
View
▼
APR5.24%
Term61 to 66 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2020-2021)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2022 and Newer) - Term of 67 to 72 months Loan
5.24%
67 to 72 months
View
▼
APR5.24%
Term67 to 72 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2022 and Newer)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
5.24%
67 to 72 months
View
▼
APR5.24%
Term67 to 72 months
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2022 and Newer

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
5.24%
61 to 66 months
View
▼
APR5.24%
Term61 to 66 months
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2020-2021

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
5.24%
49 to 54 months
View
▼
APR5.24%
Term49 to 54 months
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2017-2019

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
New Auto Loans
5.24%
up to 85 months
View
▼
APR5.24%
Interest Rate5.00%
Termup to 85 months
Last UpdatedOct 9, 2026
Details

new and current 3 model year vehicles

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026

New Miami 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: 4.80%
New Auto (2022-Newer)
2.50%
24 Months
View
▼
APR2.50%
Interest Rate2.50%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 2.50% APR · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
2.75%
24 Months
View
▼
APR2.75%
Interest Rate2.75%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 2.75% APR · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
2.75%
36 Months
View
▼
APR2.75%
Interest Rate2.75%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 2.75% APR · checked 6 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APRSep 18, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.00%
36 Months
View
▼
APR3.00%
Interest Rate3.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.00%
48 Months
View
▼
APR3.00%
Interest Rate3.00%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.25%
48 Months
View
▼
APR3.25%
Interest Rate3.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 3.25% APR · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.25%
60 Months
View
▼
APR3.25%
Interest Rate3.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 3.25% APR · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.50%
60 Months
View
▼
APR3.50%
Interest Rate3.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.50%
72 Months
View
▼
APR3.50%
Interest Rate3.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 6 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
3.75%
24 Months
View
▼
APR3.75%
Interest Rate3.75%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 3.75% APR · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APRSep 18, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Auto 2026/27
3.99%
up to 48 months
View
▼
APR3.99%
Termup to 48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Auto 2026/27
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.00%
36 Months
View
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.00%
72 Months
View
▼
APR4.00%
Interest Rate4.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.15%
48 months
View
▼
APR4.15%
Interest Rate4.15%
Term48 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.15% APR · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APRSep 30, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.25%
48 Months
View
▼
APR4.25%
Interest Rate4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Newer Models (2023 & Newer) Auto Loan
4.25%
Up to 72 months
View
▼
APR4.25%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Up to 100% Financing; Model Year: 2023 & Newer; Rates as of April 1, 2026

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Auto Loan
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedOct 12, 2026
Details

Additional APR listed for this product: 4.74%. Sample monthly payment for a loan of $20,000 and a term of 72 months at 4.25% APR would be approximately $315.19; at 4.74% APR would be approximately $319.69. Your actual rate and payment amount may be different as determined by your collateral, term, loan amount and credit qualifications. All rates and promotions subject to change without notice.

Rate History
No change since Sep 16, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 16, 2026: 4.25% APRSep 16, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
4.29%
Up to 36 Months
View
▼
APR4.29%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 6 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
New Auto Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $4,000

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
New Vehicles (Never Titled) 2025-2026 - Carfax Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APROct 8, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 months
View
▼
APR4.50%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Solon Chagrin Falls Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New Vehicle Loan
4.50%
up to 36 Months
View
▼
APR4.50%
Termup to 36 Months
Last UpdatedOct 9, 2026
Details

Actual Rate is based on your Credit Score (rates listed = 740+ credit score). Add 0.25%/0.26% if payments are NOT made by payroll deduction or ACH.

Rate History
1 change since Sep 29, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 29, 2026: 4.25% APROct 5, 2026: 4.50% APRSep 29, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 29, 20264.25%first recorded
Solon Chagrin Falls Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Refinanced New Vehicle Loan (1 yr old or newer)
4.50%
up to 36 Months
View
▼
APR4.50%
Termup to 36 Months
Last UpdatedOct 9, 2026
Details

Same tiers as New Vehicle; 100% of payoff; 740+ credit score. Add .25/.26 if payments are not made by payroll deduction or ACH.

Rate History
No change since Oct 9, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.50%
60 Months
View
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.50%
84 Months
View
▼
APR4.50%
Interest Rate4.50%
Term84 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Cars & Trucks Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Vehicle Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
4.54%
37-48 Months
View
▼
APR4.54%
Term37-48 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
4.54%
49-60 Months
View
▼
APR4.54%
Term49-60 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
4.54%
61-72 Months
View
▼
APR4.54%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 6 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.54%
4 years
View
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.25 pts · high 4.54% / low 4.30%
3.80%4.42%5.04%Sep 14, 2026: 4.30% APRSep 25, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.54%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New/Used Cars Loan
4.57%
60 months
View
▼
APR4.57%
Interest Rate4.24%
Term60 months
Last UpdatedOct 9, 2026
Details

Maximum Term: 60*

Rate History
No change since Sep 29, 2026 · 4.57% APR · checked 2 times
4.07%4.57%5.07%Sep 29, 2026: 4.57% APRSep 29, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicle Financing
4.59%
36 months
View
▼
APR4.59%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; 100% Financing; Rates effective 1-2-26. Payment example of 4.59% APR for 36 months would be $250 cash applies only to approved vehicle and motorcycle loans. This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions. Limited time offer; terms and conditions subject to change without notice.

Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 5 times
4.09%4.59%5.09%Sep 16, 2026: 4.59% APRSep 16, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.64%
3 years
View
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.24 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APRSep 25, 2026: 4.64% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.65%
60 months
View
▼
APR4.65%
Interest Rate4.65%
Term60 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.65% APR · checked 3 times
4.15%4.65%5.15%Sep 30, 2026: 4.65% APRSep 30, 2026Oct 13, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Auto Loan
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedOct 9, 2026
Details

Sample

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 2 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $7,500

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 2 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Oct 13, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
4.71%
36 Months
View
▼
APR4.71%
Interest Rate4.25%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 4.71% APR · checked 7 times
4.21%4.71%5.21%Sep 14, 2026: 4.71% APRSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
4.74%
5 years
View
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.61%5.24%Sep 14, 2026: 4.49% APRSep 25, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Vehicles (Model Years: 2024 and Newer) - Term of 72 months or less Loan
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedOct 9, 2026
Details

As Low As; New Vehicles (Model Years: 2024 and Newer)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Vehicles Loan
4.74%
72 months or less
View
▼
APR4.74%
Term72 months or less
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2024 and Newer

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2022 and Newer) - Term of 66 months or less Loan
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2022 and Newer)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
New Vehicles & Motorcycles Loan
4.74%
up to 72 months
View
▼
APR4.74%
Termup to 72 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loan 2020 & Newer
4.74%
Up to 60 Months
View
▼
APR4.74%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Solon Chagrin Falls Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
New Vehicle Loan
4.75%
From 37 to 48 Months
View
▼
APR4.75%
TermFrom 37 to 48 Months
Last UpdatedOct 9, 2026
Details

Actual Rate is based on your Credit Score (rates listed = 740+ credit score). Add 0.25%/0.26% if payments are NOT made by payroll deduction or ACH.

Rate History
1 change since Sep 29, 2026 · 4.50% → 4.75% ▲ 0.25 pts · high 4.75% / low 4.50%
4.00%4.63%5.25%Sep 29, 2026: 4.50% APROct 5, 2026: 4.75% APRSep 29, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.50%
  • Sep 29, 20264.50%first recorded
Solon Chagrin Falls Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
Refinanced New Vehicle Loan (1 yr old or newer)
4.75%
From 37 to 48 Months
View
▼
APR4.75%
TermFrom 37 to 48 Months
Last UpdatedOct 9, 2026
Details

Same tiers as New Vehicle; 100% of payoff; 740+ credit score. Add .25/.26 if payments are not made by payroll deduction or ACH.

Rate History
No change since Oct 9, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 9, 2026: 4.75% APROct 9, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
4.75%
84 Months
View
▼
APR4.75%
Interest Rate4.75%
Term84 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Toledo Urban Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.05%
New Auto
4.75%
Up to 84 Months
View
▼
APR4.75%
Interest Rate4.75%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Published rate range: 4.75% - 18%.

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Cars & Trucks Loan
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
New Cars & Trucks Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
TOLEDO METRO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loan
4.75%
72 months or Less
View
▼
APR4.75%
Term72 months or Less
Last UpdatedOct 10, 2026
Details

Credit Score: A+ 740+; *With .50% discount for Automatic Payments or Direct Deposit

Rate History
No change since Sep 30, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APRSep 30, 2026Oct 13, 2026
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
New Vehicle Loan
4.82%
72 Months
View
▼
APR4.82%
Interest Rate4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

As low as; Lowest rate requires a direct deposit in place prior to loan disbursement. APR is based on financing $25,000 for 60 months. $50 processing fee is included in the calculation of the APR.

Rate History
No change since Sep 14, 2026 · 4.82% APR · checked 5 times
4.32%4.82%5.32%Sep 14, 2026: 4.82% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.85%
Up to 48 Months
View
▼
APR4.85%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 3.80% → 4.85% ▲ 1.05 pts · high 4.85% / low 3.80%
2.75%4.32%5.90%Sep 17, 2026: 3.80% APROct 2, 2026: 4.85% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20264.85%▲ from 3.80%
  • Sep 17, 20263.80%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
4.85%
48 Months
View
▼
APR4.85%
Interest Rate4.50%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 4.85% APR · checked 7 times
4.35%4.85%5.35%Sep 14, 2026: 4.85% APRSep 14, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $10,000

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 2 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.90%
72 months
View
▼
APR4.90%
Interest Rate4.90%
Term72 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 30, 2026: 4.90% APRSep 30, 2026Oct 13, 2026
University of Toledo Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
2025-2026(new/untitled) Auto Loan
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Rate applies to new/untitled vehicles.

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Automobiles (2025 and Newer) - 66 Months
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
New Vehicle Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedOct 9, 2026
Details

$25,000; As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedOct 9, 2026
Details

over $25,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Wright-Patt Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.22%
Auto Loans (2023 or Newer) - Up to 63 Months
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.99% - 15.44%.

Rate History
1 change since Sep 14, 2026 · 5.24% → 4.99% ▼ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 5.24% APRSep 18, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.99%▼ from 5.24%
  • Sep 14, 20265.24%first recorded
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loan 2020 & Newer
4.99%
Up to 76 Months
View
▼
APR4.99%
TermUp to 76 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Vehicle Loan
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loan
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

Rates As Low As

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APROct 10, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.44%
New Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; 60 Months fixed; More Info

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Auto (2022-Newer)
5.00%
72 Months
View
▼
APR5.00%
Interest Rate5.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Local Union 392 Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Auto Loans 2026 - 2027 6,000 Miles or Less - A+
5.00%
1-36 Months
View
▼
APR5.00%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
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 UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
3.10%4.53%5.95%Sep 17, 2026: 4.05% APROct 2, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.00%
Up to 3 years
View
▼
APR5.00%
TermUp to 3 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 3; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.50% APROct 12, 2026: 5.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.50%
  • Oct 8, 20265.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
New Auto Loan (vehicle year 2025 - 2026)
5.00%
Up to 4 years
View
▼
APR5.00%
TermUp to 4 years
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle year 2025 - 2026; Maximum Term in Years: 4; best rates based on approved credit, reflects maximum relationship discount of 1.00%

Rate History
1 change since Oct 8, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Oct 8, 2026: 5.50% APROct 12, 2026: 5.00% APROct 8, 2026Oct 13, 2026
  • Oct 12, 20265.00%▼ from 5.50%
  • Oct 8, 20265.50%first recorded
Nickel Steel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
NEW/NEWER VEHICLES (2026-2023) Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 12, 2026
Details

Daily Periodic Rate: Starting @ 0.01370%

Rate History
No change since Sep 12, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 12, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
5.04%
60 Months
View
▼
APR5.04%
Interest Rate4.75%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 7 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
New Auto Loan
5.04%
73-78 Months
View
▼
APR5.04%
Term73-78 Months
Last UpdatedOct 10, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 6 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Autos & Trucks (2026-2027)
5.08%
Up to 60 months
View
▼
APR5.08%
Interest Rate4.74%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Based on TruePerks membership and credit score of 700 or better

Rate History
No change since Oct 4, 2026 · 5.08% APR · checked 2 times
4.58%5.08%5.58%Oct 4, 2026: 5.08% APROct 4, 2026Oct 13, 2026
USX Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2027-2026-2025-2024 Loan
5.14%
Up to 48 months
View
▼
APR5.14%
TermUp to 48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Oct 6, 2026 · 5.14% APR · checked 2 times
4.64%5.14%5.64%Oct 6, 2026: 5.14% APROct 6, 2026Oct 13, 2026
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
NEW VEHICLE LOAN
5.15%
72 months
View
▼
APR5.15%
Term72 months
Last UpdatedOct 9, 2026
Details

Buy that new vehicle you've been wanting!

Rate History
1 change since Sep 21, 2026 · 5.10% → 5.15% ▲ 0.05 pts · high 5.15% / low 5.10%
4.60%5.13%5.65%Sep 21, 2026: 5.10% APROct 5, 2026: 5.15% APRSep 21, 2026Oct 13, 2026
  • Oct 5, 20265.15%▲ from 5.10%
  • Sep 21, 20265.10%first recorded
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
5.15%
84 months
View
▼
APR5.15%
Interest Rate5.15%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 5.15% APR · checked 3 times
4.65%5.15%5.65%Sep 30, 2026: 5.15% APRSep 30, 2026Oct 13, 2026
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2025 & Newer New Auto
5.18%
up to 72 Months
View
▼
APR5.18%
Interest Rate4.99%
Termup to 72 Months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Oct 10, 2026 · 5.18% APR
4.68%5.18%5.68%Oct 10, 2026: 5.18% APROct 10, 2026Oct 13, 2026
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
New Autos - 2025 & Newer
5.18%
up to 72 Months
View
▼
APR5.18%
Interest Rate4.99%
Termup to 72 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.93% → 5.18% ▲ 0.25 pts · high 5.18% / low 4.93%
4.43%5.06%5.68%Sep 14, 2026: 4.93% APRSep 27, 2026: 5.18% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.18%▲ from 4.93%
  • Sep 14, 20264.93%first recorded
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
5.19%
76 - 88 Months
View
▼
APR5.19%
Term76 - 88 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $15,000

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 2 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Cars and Trucks Loan
5.20%
6 years
View
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.95% → 5.20% ▲ 0.25 pts · high 5.20% / low 4.95%
4.45%5.08%5.70%Sep 14, 2026: 4.95% APRSep 25, 2026: 5.20% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20265.20%▲ from 4.95%
  • Sep 14, 20264.95%first recorded
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Used Autos - 2024 & Newer
5.21%
up to 72 Months
View
▼
APR5.21%
Interest Rate4.99%
Termup to 72 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.96% → 5.21% ▲ 0.25 pts · high 5.21% / low 4.96%
4.46%5.09%5.71%Sep 14, 2026: 4.96% APRSep 27, 2026: 5.21% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.21%▲ from 4.96%
  • Sep 14, 20264.96%first recorded
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Vehicles (Model Years: 2024 and Newer) - Term of 73 to 84 months Loan
5.24%
73 to 84 months
View
▼
APR5.24%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As Low As; New Vehicles (Model Years: 2024 and Newer)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Vehicles Loan
5.24%
73 to 84 months
View
▼
APR5.24%
Term73 to 84 months
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2024 and Newer

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2022 and Newer) - Term of 67 to 72 months Loan
5.24%
67 to 72 months
View
▼
APR5.24%
Term67 to 72 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2022 and Newer)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Pathways Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.10%
New Auto Loans
5.24%
up to 85 months
View
▼
APR5.24%
Interest Rate5.00%
Termup to 85 months
Last UpdatedOct 9, 2026
Details

new and current 3 model year vehicles

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026

New Miami 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: 4.11%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
View
▼
APR2.99%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 6 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
1 change since Sep 14, 2026 · 7.00% → 4.00% ▼ 3.00 pts · high 7.00% / low 4.00%
1.00%5.50%10.00%Sep 14, 2026: 7.00% APRSep 17, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
1 change since Sep 14, 2026 · 5.25% → 4.00% ▼ 1.25 pts · high 5.25% / low 4.00%
2.75%4.63%6.50%Sep 14, 2026: 5.25% APRSep 17, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.00%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.15%
48 months
View
▼
APR4.15%
Interest Rate4.15%
Term48 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.15% APR · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APRSep 30, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
1 change since Sep 14, 2026 · 5.25% → 4.25% ▼ 1.00 pts · high 5.25% / low 4.25%
3.25%4.75%6.25%Sep 14, 2026: 5.25% APRSep 17, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.25%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.50% APRSep 17, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.25%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $4,000

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 24 Mo. Loan
4.50%
24 months
View
▼
APR4.50%
Term24 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 36 Mo. Loan
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A++ 750+

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 7 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.54%
4 years
View
▼
APR4.54%
Interest Rate4.24%
Term4 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.30% → 4.54% ▲ 0.25 pts · high 4.54% / low 4.30%
3.80%4.42%5.04%Sep 14, 2026: 4.30% APRSep 25, 2026: 4.54% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.54%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
Atomic Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New/Used Cars Loan
4.57%
60 months
View
▼
APR4.57%
Interest Rate4.24%
Term60 months
Last UpdatedOct 9, 2026
Details

Maximum Term: 60*

Rate History
No change since Sep 29, 2026 · 4.57% APR · checked 2 times
4.07%4.57%5.07%Sep 29, 2026: 4.57% APRSep 29, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.64%
3 years
View
▼
APR4.64%
Interest Rate4.24%
Term3 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.24 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APRSep 25, 2026: 4.64% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.65%
60 months
View
▼
APR4.65%
Interest Rate4.65%
Term60 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.65% APR · checked 3 times
4.15%4.65%5.15%Sep 30, 2026: 4.65% APRSep 30, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $7,500

Rate History
No change since Sep 14, 2026 · 4.69% APR · checked 2 times
4.19%4.69%5.19%Sep 14, 2026: 4.69% APRSep 14, 2026Oct 13, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
4.71%
36 Months
View
▼
APR4.71%
Interest Rate4.25%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 4.71% APR · checked 7 times
4.21%4.71%5.21%Sep 14, 2026: 4.71% APRSep 14, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
4.74%
5 years
View
▼
APR4.74%
Interest Rate4.49%
Term5 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.61%5.24%Sep 14, 2026: 4.49% APRSep 25, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2017-2019) - Term of 48 months or less Loan
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2017-2019)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2020-2021) - Term of 60 months or less Loan
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2020-2021)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2022 and Newer) - Term of 66 months or less Loan
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2022 and Newer)

Rate History
No change since Oct 9, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
4.74%
66 months or less
View
▼
APR4.74%
Term66 months or less
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2022 and Newer

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
4.74%
60 months or less
View
▼
APR4.74%
Term60 months or less
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2020-2021

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
4.74%
48 months or less
View
▼
APR4.74%
Term48 months or less
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2017-2019

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
84 months
View
▼
APR4.74%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2026/2025/2024/2023; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New and Used Auto Loans
4.74%
36 - 48 months
View
▼
APR4.74%
Term36 - 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2021; Includes 1/4 rate discount for selecting an automated loan repayment option

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 48 Mo. Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 60 Mo. Loan
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 680 - 729; Grade of Paper: A

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A+ 720-749

Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 17, 2026: 4.75% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A++ 750+

Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 7 times
4.25%4.75%5.25%Sep 17, 2026: 4.75% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
1 change since Sep 14, 2026 · 6.75% → 4.75% ▼ 2.00 pts · high 6.75% / low 4.75%
2.75%5.75%8.75%Sep 14, 2026: 6.75% APRSep 17, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.75%▼ from 6.75%
  • Sep 14, 20266.75%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A++ 750+

Rate History
1 change since Sep 14, 2026 · 6.00% → 4.75% ▼ 1.25 pts · high 6.00% / low 4.75%
3.50%5.38%7.25%Sep 14, 2026: 6.00% APRSep 17, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20264.75%▼ from 6.00%
  • Sep 14, 20266.00%first recorded
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedOct 9, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
TOLEDO METRO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Used Auto Loan
4.75%
72 months or Less
View
▼
APR4.75%
Term72 months or Less
Last UpdatedOct 10, 2026
Details

Credit Score: A+ 740+

Rate History
No change since Sep 30, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 30, 2026: 4.75% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.85%
Up to 48 Months
View
▼
APR4.85%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 3.80% → 4.85% ▲ 1.05 pts · high 4.85% / low 3.80%
2.75%4.32%5.90%Sep 17, 2026: 3.80% APROct 2, 2026: 4.85% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20264.85%▲ from 3.80%
  • Sep 17, 20263.80%first recorded
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
4.85%
48 Months
View
▼
APR4.85%
Interest Rate4.50%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 4.85% APR · checked 7 times
4.35%4.85%5.35%Sep 14, 2026: 4.85% APRSep 14, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $10,000

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 2 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 13, 2026
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
4.90%
72 months
View
▼
APR4.90%
Interest Rate4.90%
Term72 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 30, 2026: 4.90% APRSep 30, 2026Oct 13, 2026
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
Used Vehicle 2023 or newer Loan
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedOct 9, 2026
Details

over $25,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Pre-Owned Vehicle Loan
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedOct 10, 2026
Details

Rates As Low As

Rate History
1 change since Sep 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 14, 2026: 4.74% APROct 10, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.99%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loans
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates effective as of 11/03/25

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 72 Mo. Loan
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 730+; Grade of Paper: A+

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2016 & Older) - 24 Months
5.00%
24 Months
View
▼
APR5.00%
Term24 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 7 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A+ 720-749

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 7 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017)
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 9, 2026
Details

Credit Grade: A++ 750+

Rate History
2 changes since Sep 17, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 14.25% / low 5.00%
0.00%11.75%23.50%Sep 17, 2026: 5.00% APRSep 21, 2026: 14.25% APRSep 25, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Sep 25, 20265.00%▼ from 14.25%
  • Sep 21, 202614.25%▲ from 5.00%
  • Sep 17, 20265.00%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A 650-719

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.00% ▼ 2.00 pts · high 7.00% / low 5.00%
3.00%6.00%9.00%Sep 14, 2026: 7.00% APRSep 17, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2021-2020)
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Credit Score: A+ 720-749

Rate History
1 change since Sep 14, 2026 · 6.00% → 5.00% ▼ 1.00 pts · high 6.00% / low 5.00%
4.00%5.50%7.00%Sep 14, 2026: 6.00% APRSep 17, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20265.00%▼ from 6.00%
  • Sep 14, 20266.00%first recorded
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.66%
Used Cars & Trucks Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Effective Date: October 02, 2026; Vehicle Model Years: All Years**

Rate History
1 change since Sep 17, 2026 · 4.05% → 5.00% ▲ 0.95 pts · high 5.00% / low 4.05%
3.10%4.53%5.95%Sep 17, 2026: 4.05% APROct 2, 2026: 5.00% APRSep 17, 2026Oct 13, 2026
  • Oct 2, 20265.00%▲ from 4.05%
  • Sep 17, 20264.05%first recorded
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Cars (Model Years 2023-2021) Loan
5.00%
36-48 Months
View
▼
APR5.00%
Term36-48 Months
Last UpdatedOct 12, 2026
Details

Beacon Score: 725+; Used cars will be given average trade in value in NADA book

Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
New/Used Automobile/Trucks/Vans
5.04%
60 Months
View
▼
APR5.04%
Interest Rate4.75%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Automobile loan; Based on 730+ credit score

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 7 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
Used Auto Loan
5.14%
Up to 36 Months
View
▼
APR5.14%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 6 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
Used Auto Loan
5.14%
37-48 Months
View
▼
APR5.14%
Term37-48 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 6 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.47%
Used Auto Loan
5.14%
49-60 Months
View
▼
APR5.14%
Term49-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 6 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
USX Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2027-2026-2025-2024 Loan
5.14%
Up to 48 months
View
▼
APR5.14%
TermUp to 48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Oct 6, 2026 · 5.14% APR · checked 2 times
4.64%5.14%5.64%Oct 6, 2026: 5.14% APROct 6, 2026Oct 13, 2026
Campbell Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
New/Used Auto
5.15%
84 months
View
▼
APR5.15%
Interest Rate5.15%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 30, 2026 · 5.15% APR · checked 3 times
4.65%5.15%5.65%Sep 30, 2026: 5.15% APRSep 30, 2026Oct 13, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
New & Used Auto Loan
5.19%
76 - 88 Months
View
▼
APR5.19%
Term76 - 88 Months
Last UpdatedOct 10, 2026
Details

Minimum Loan Amount $15,000

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 2 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Cars and Trucks Loan
5.20%
6 years
View
▼
APR5.20%
Interest Rate4.99%
Term6 years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.95% → 5.20% ▲ 0.25 pts · high 5.20% / low 4.95%
4.45%5.08%5.70%Sep 14, 2026: 4.95% APRSep 25, 2026: 5.20% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20265.20%▲ from 4.95%
  • Sep 14, 20264.95%first recorded
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Used Autos - 2024 & Newer
5.21%
up to 72 Months
View
▼
APR5.21%
Interest Rate4.99%
Termup to 72 Months
Last UpdatedOct 10, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.96% → 5.21% ▲ 0.25 pts · high 5.21% / low 4.96%
4.46%5.09%5.71%Sep 14, 2026: 4.96% APRSep 27, 2026: 5.21% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20265.21%▲ from 4.96%
  • Sep 14, 20264.96%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
Used Automobiles (2021 - 2024)
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2017-2019) - Term of 49 to 54 months Loan
5.24%
49 to 54 months
View
▼
APR5.24%
Term49 to 54 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2017-2019)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2020-2021) - Term of 61 to 66 months Loan
5.24%
61 to 66 months
View
▼
APR5.24%
Term61 to 66 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2020-2021)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles (Model Years: 2022 and Newer) - Term of 67 to 72 months Loan
5.24%
67 to 72 months
View
▼
APR5.24%
Term67 to 72 months
Last UpdatedOct 9, 2026
Details

As Low As; Used Vehicles (Model Years: 2022 and Newer)

Rate History
No change since Oct 9, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
5.24%
67 to 72 months
View
▼
APR5.24%
Term67 to 72 months
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2022 and Newer

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
5.24%
61 to 66 months
View
▼
APR5.24%
Term61 to 66 months
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2020-2021

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles Loan
5.24%
49 to 54 months
View
▼
APR5.24%
Term49 to 54 months
Last UpdatedOct 9, 2026
Details

As of January 1, 2026; Model Years: 2017-2019

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 4 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026

New Miami, OH Auto Loan Rate Trends

Compare local New Miami, 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
5.369%
▲ 0.095 vs 7 days ago

Ohio new auto rates rose 0.095 points over the past 7 days to 5.369% APR.

Used Auto Loan OH Avg
6.033%
▲ 0.027 vs 7 days ago

Ohio used auto rates rose 0.027 points over the past 7 days to 6.033% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

New Miami, OH Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Ohio figures.

Current New Auto Avg
5.37%
APR, as of Oct 13, 2026
6-Month Forecast
5.45%
Fed hold assumed
12-Month Forecast
5.52%
Range: 5.17% to 5.72%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Ohio APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.37% APR
OH average		 Used Auto @ 6.03% APR
OH average		 Monthly Difference
$15,000 $285.61/mo $290.22/mo $4.61/mo
$25,000 $476.02/mo $483.70/mo $7.69/mo
$35,000 $666.43/mo $677.19/mo $10.76/mo
$45,000 $856.83/mo $870.67/mo $13.83/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in New Miami, Ohio

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving New Miami, Ohio locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Ohio. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

New Miami, Ohio Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$33,214
Median Individual Earnings
National avg: $47,340
18.1%
Unemployment Rate
National avg: 4.8%
26.0%
Poverty Rate
National avg: 11.1%
$571/mo
Payment on a $30K / 60-mo Loan
At OH new-auto avg 5.37% APR

A $571 monthly car payment works out to roughly 20.6% of the median individual income in New Miami, Ohio. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in New Miami, Ohio, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in New Miami, Ohio. We’ve prefilled the APR with today’s OH new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Miami, 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 New Miami, 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 New Miami, 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.

Bad Credit Auto Loans in New Miami, Ohio

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans
Powered byMonitorBankRates

Frequently Asked Questions about Auto Loans in New Miami, 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 New Miami, 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 New Miami, 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.

Should I get preapproved for an auto loan before visiting a dealer in New Miami, Ohio?

Yes. A preapproval from a bank or credit union serving New Miami, Ohio gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving New Miami, Ohio can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in New Miami, Ohio?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in New Miami, Ohio?

Based on our current data, some of the lowest auto loan rates available in New Miami, Ohio include:
  • Materion Federal Credit Union: 1.99% (Vehicle Loan)
  • YTR Community Federal Credit Union: 2.50% (New Auto (2022-Newer))
  • United Federal Credit Union: 2.99% (Fixed Rate New & Used Auto Loans)
  • Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in New Miami, Ohio. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 12, 2026

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