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  9. Auto Loan Rate Trends

Parma, Ohio Best Auto Loan Rates - September 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 Parma, 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: September 28, 2026

Current auto loan rates in Parma, Ohio range from 4.25% to 6.14% APR across the five lenders featured below, verified by MonitorBankRates as of September 28, 2026. Current auto loan rates in Parma, Ohio include All Saints Federal Credit UnionAll Saints Federal Credit Union6740 Broadview Rd, Parma, OH, 44134 4886A+5.0 ★Texas Ratio: 2.32% offering New Vehicles (Never Titled) 2025-2026 Loan at 4.25%, Wiremens Credit UnionWiremens Credit Union5800 State Rd, Parma, OH, 44134A+5.0 ★Texas Ratio: 0.26% offering New Vehicle Loan at 4.99%, Holy Family Parma Federal Credit UnionHoly Family Parma Federal Credit Union7367 York Rd, Parma, OH, 44130 5162A+5.0 ★Texas Ratio: 3.73% offering Auto Loan at 5.00%, Bank of AmericaBank of America7635 W Ridgewood Dr, Parma, OH, 44129A+5.0 ★Texas Ratio: 4.24% offering New car (dealer) Loan at 5.49%, Chase BankChase Bank8479 W Ridgewood Dr, Parma, OH, 44129A+5.0 ★Texas Ratio: 3.77% offering New car purchase Loan at 6.14%. Auto loan rates as of September 28, 2026 according to verified data from MonitorBankRates.

Parma has 5 local institutions in our database, with auto loan rates as low as 4.25% APR from All Saints Federal Credit Union at 6740 Broadview Rd, Parma, OH, 44134 4886. 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 Parma, Ohio. Auto Loan Rates Last Updated and Verified: September 28, 2026

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

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

Parma Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
New Vehicle Loan
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedSep 27, 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, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan
5.00%
36-48 Months
View
▼
APR5.00%
Term36-48 Months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 5.75%. Beacon Score: 725+

Rate History
No change since Sep 20, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APRSep 20, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
5.25%
48-60 months
View
▼
APR5.25%
Term48-60 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
Used Vehicle Loan (1-3 years old)
5.49%
up to 84 months
View
▼
APR5.49%
Termup to 84 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
Used Vehicle Loan (4-5 years old)
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
Used Vehicle Loan (6-7 years old)
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
Used Vehicle Loan (8-plus years)
5.49%
up to 48 months
View
▼
APR5.49%
Termup to 48 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
7635 W Ridgewood Dr, Parma, OH, 44129
New car (dealer) Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
5.50%
66 months
View
▼
APR5.50%
Term66 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
Used Vehicles 2022-2025 Loan
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 6.25%. Beacon Score: 725+

Rate History
No change since Sep 20, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 20, 2026: 5.50% APRSep 20, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
7635 W Ridgewood Dr, Parma, OH, 44129
Used car (dealer) Loan
5.69%
60-month
View
▼
APR5.69%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
Used Vehicles 2022-2025 Loan
5.75%
48-60 months
View
▼
APR5.75%
Term48-60 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
Used Vehicles 2022-2025 Loan
6.00%
66 months
View
▼
APR6.00%
Term66 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan
6.00%
36-48 Months
View
▼
APR6.00%
Term36-48 Months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 6.75%. Beacon Score: 675 - 724

Rate History
No change since Sep 20, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 20, 2026: 6.00% APRSep 20, 2026Sep 28, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
8479 W Ridgewood Dr, Parma, OH, 44129
New car purchase Loan
6.14%
60 months
View
▼
APR6.14%
Term60 months
Last UpdatedSep 27, 2026
Details

Rate History
2 changes since Sep 14, 2026 · 5.94% → 6.14% ▲ 0.20 pts · high 6.14% / low 5.94%
5.44%6.04%6.64%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APRSep 14, 2026Sep 28, 2026
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
8479 W Ridgewood Dr, Parma, OH, 44129
New car rate Loan
6.14%
60 months
View
▼
APR6.14%
Term60 months
Last UpdatedSep 27, 2026
Details

APR based on 60 months and $45,000

Rate History
2 changes since Sep 14, 2026 · 5.94% → 6.14% ▲ 0.20 pts · high 6.14% / low 5.94%
5.44%6.04%6.64%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APRSep 14, 2026Sep 28, 2026
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
8479 W Ridgewood Dr, Parma, OH, 44129
Used car purchase Loan
6.19%
60 months
View
▼
APR6.19%
Term60 months
Last UpdatedSep 27, 2026
Details

Rate History
2 changes since Sep 14, 2026 · 5.99% → 6.19% ▲ 0.20 pts · high 6.19% / low 5.99%
5.49%6.09%6.69%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APRSep 14, 2026Sep 28, 2026
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
8479 W Ridgewood Dr, Parma, OH, 44129
Used car rate Loan
6.19%
60 months
View
▼
APR6.19%
Term60 months
Last UpdatedSep 27, 2026
Details

APR based on 60 months and $30,000

Rate History
2 changes since Sep 14, 2026 · 5.99% → 6.19% ▲ 0.20 pts · high 6.19% / low 5.99%
5.49%6.09%6.69%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APRSep 14, 2026Sep 28, 2026
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
6.25%
84 months
View
▼
APR6.25%
Term84 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
Used Vehicles 2022-2025 Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 7.25%. Beacon Score: 675 - 724

Rate History
No change since Sep 20, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 20, 2026: 6.50% APRSep 20, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan
7.00%
36-48 Months
View
▼
APR7.00%
Term36-48 Months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 8.25%. Beacon Score: 625 - 674

Rate History
No change since Sep 20, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Sep 20, 2026: 7.00% APRSep 20, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan
8.00%
60 Months
View
▼
APR8.00%
Term60 Months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 8.75%. Beacon Score: 625 - 674

Rate History
No change since Sep 20, 2026 · 8.00% APR · checked 2 times
7.50%8.00%8.50%Sep 20, 2026: 8.00% APRSep 20, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan - 24 Months Loan
9.00%
24 Months
View
▼
APR9.00%
Term24 Months
Last UpdatedSep 25, 2026
Details

Beacon Score: 725+

Rate History
No change since Sep 25, 2026 · 9.00% APR
8.50%9.00%9.50%Sep 25, 2026: 9.00% APRSep 25, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan - 24 Months Loan
10.00%
24 Months
View
▼
APR10.00%
Term24 Months
Last UpdatedSep 25, 2026
Details

Beacon Score: 675 - 724

Rate History
No change since Sep 25, 2026 · 10.00% APR
9.50%10.00%10.50%Sep 25, 2026: 10.00% APRSep 25, 2026Sep 28, 2026
Holy Family Parma Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
7367 York Rd, Parma, OH, 44130 5162
Auto Loan - 24 Months Loan
11.00%
24 Months
View
▼
APR11.00%
Term24 Months
Last UpdatedSep 25, 2026
Details

Beacon Score: 625 - 674

Rate History
No change since Sep 25, 2026 · 11.00% APR
10.50%11.00%11.50%Sep 25, 2026: 11.00% APRSep 25, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as; 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 Sep 25, 2026 · 1.99% APR
1.49%1.99%2.49%Sep 25, 2026: 1.99% APRSep 25, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as; 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 Sep 25, 2026 · 1.99% APR
1.49%1.99%2.49%Sep 25, 2026: 1.99% APRSep 25, 2026Sep 28, 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%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 2.50% APR · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APRSep 18, 2026Sep 28, 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%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 2.75% APR · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APRSep 18, 2026Sep 28, 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%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 2.75% APR · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Sep 28, 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%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Sep 28, 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%
Term48 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Sep 28, 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%
Term48 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 3.25% APR · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APRSep 18, 2026Sep 28, 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%
Term60 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 3.25% APR · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APRSep 18, 2026Sep 28, 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%
Term60 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Sep 28, 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%
Term72 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
3.64%
0 - 36 Months
View
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2025 & Newer

Rate History
No change since Sep 22, 2026 · 3.64% APR · checked 3 times
3.14%3.64%4.14%Sep 22, 2026: 3.64% APRSep 22, 2026Sep 28, 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%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 3.75% APR · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APRSep 18, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 3.80% APR · checked 2 times
3.30%3.80%4.30%Sep 17, 2026: 3.80% APRSep 17, 2026Sep 28, 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 UpdatedSep 26, 2026
Details

As Low As; on passenger vehicles. 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 4 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Sep 28, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 13.58%
2024-2022 New Auto Loan
3.99%
up to 66 months
View
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Sep 28, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 13.58%
2024-2022 Used Auto Loan
3.99%
up to 66 months
View
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Sep 28, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 13.58%
2026-2025 New Auto Loan
3.99%
up to 66 months
View
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Sep 28, 2026
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Auto 2026 Loan
3.99%
up to 48 months
View
▼
APR3.99%
Termup to 48 months
Last UpdatedSep 27, 2026
Details

Rates as low as

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Auto 2026 Loan
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedSep 27, 2026
Details

Rates as low as

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Sep 28, 2026
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Shop For A Vehicle
4.00%
Up to 60 months
View
▼
APR4.00%
Interest Rate4.00%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APRSep 16, 2026Sep 28, 2026
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Shop For A Vehicle Loan
4.00%
Up to 60 months
View
▼
APR4.00%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APRSep 16, 2026Sep 28, 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%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Sep 28, 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%
Term72 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 2026
  • Sep 17, 20264.00%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.00%
24 months
View
▼
APR4.00%
Interest Rate4.00%
Term24 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.00%
36 months
View
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APRSep 21, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.05%
Up to 60 Months
View
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 4.05% APR · checked 2 times
3.55%4.05%4.55%Sep 17, 2026: 4.05% APRSep 17, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
4.14%
37 - 75 Months
View
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2025 & Newer

Rate History
No change since Sep 22, 2026 · 4.14% APR · checked 3 times
3.64%4.14%4.64%Sep 22, 2026: 4.14% APRSep 22, 2026Sep 28, 2026
Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Print Auto Loans
4.19%
Up to 66 Months
View
▼
APR4.19%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 4.19% APR · checked 2 times
3.69%4.19%4.69%Sep 18, 2026: 4.19% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

New vehicles - -110% financing -Any vehicle with an EPA estimated mileage of 35MGP/City or HYBRID

Rate History
No change since Sep 12, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 12, 2026: 4.24% APRSep 12, 2026Sep 28, 2026
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicles 2023 & Newer Loan
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedSep 25, 2026
Details

As Low As; The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.

Rate History
No change since Sep 25, 2026 · 4.25% APR
3.75%4.25%4.75%Sep 25, 2026: 4.25% APRSep 25, 2026Sep 28, 2026
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Vehicle Loan
4.25%
Up to 72 months
View
▼
APR4.25%
TermUp to 72 months
Last UpdatedSep 25, 2026
Details

As Low As; *1

Rate History
No change since Sep 16, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 16, 2026: 4.25% APRSep 16, 2026Sep 28, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Auto Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedSep 25, 2026
Details

Rates are current as of 09-24-2026. Loan Rates are based on credit score and term of loan. A 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 25, 2026 · 4.25% APR
3.75%4.25%4.75%Sep 25, 2026: 4.25% APRSep 25, 2026Sep 28, 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%
Term48 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 2026
  • Sep 17, 20264.25%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 21, 2026: 4.25% APRSep 21, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

Qualifications Required: credit score of 660 or higher; Honoring Silent Heroes: Police Officers. This September & October, 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 3 times
3.76%4.26%4.76%Sep 18, 2026: 4.26% APRSep 18, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Sep 28, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Automobiles (2025 and Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 21, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 21, 2026: 4.49% APRSep 21, 2026Sep 28, 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 UpdatedSep 27, 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 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $4,000

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Sep 28, 2026
Faith Community United Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.64%
Auto Loan
4.49%
Up to 36 Mos
View
▼
APR4.49%
TermUp to 36 Mos
Last UpdatedSep 27, 2026
Details

Vehicle Age: New & 2 years old; As low as

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

As low as; Rates subject to change without notice. Please contact OTCU for details.

Rate History
No change since Sep 22, 2026 · 4.50% APR
4.00%4.50%5.00%Sep 22, 2026: 4.50% APRSep 22, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Sep 28, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Auto Loans
4.50%
3 years
View
▼
APR4.50%
Term3 years
Last UpdatedSep 25, 2026
Details

APR* as low as: 4.50%

Rate History
1 change since Sep 17, 2026 · 5.50% → 4.50% ▼ 1.00 pts · high 5.50% / low 4.50%
3.50%5.00%6.50%Sep 17, 2026: 5.50% APRSep 20, 2026: 4.50% APRSep 17, 2026Sep 28, 2026
  • Sep 20, 20264.50%▼ from 5.50%
  • Sep 17, 20265.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Auto Loans
4.50%
4 years
View
▼
APR4.50%
Term4 years
Last UpdatedSep 25, 2026
Details

APR* as low as: 4.50%

Rate History
1 change since Sep 17, 2026 · 5.50% → 4.50% ▼ 1.00 pts · high 5.50% / low 4.50%
3.50%5.00%6.50%Sep 17, 2026: 5.50% APRSep 20, 2026: 4.50% APRSep 17, 2026Sep 28, 2026
  • Sep 20, 20264.50%▼ from 5.50%
  • Sep 17, 20265.50%first recorded
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%
Term60 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Sep 28, 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%
Term84 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: A+ 720-749

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, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 months
View
▼
APR4.50%
Interest Rate4.50%
Term24 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 months
View
▼
APR4.50%
Interest Rate4.50%
Term36 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.50%
60 months
View
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 4 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 4 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 4 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 2026
  • Sep 25, 20264.54%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.55%
Up to 72 Months
View
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 4.55% APR · checked 2 times
4.05%4.55%5.05%Sep 17, 2026: 4.55% APRSep 17, 2026Sep 28, 2026
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 UpdatedSep 22, 2026
Details

New/Used Cars**

Rate History
No change since Sep 22, 2026 · 4.57% APR
4.07%4.57%5.07%Sep 22, 2026: 4.57% APRSep 22, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 2 times
4.09%4.59%5.09%Sep 16, 2026: 4.59% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; Rates Effective January 2, 2026; $250 Cash just for Switching; This $250 cash offer is good for 2018-2026 vehicles on approved new loans or refinanced loans from other financial institutions.

Rate History
No change since Sep 25, 2026 · 4.59% APR
4.09%4.59%5.09%Sep 25, 2026: 4.59% APRSep 25, 2026Sep 28, 2026
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Used Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 5.19%, 5.39%, 5.69%.

Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 2 times
4.09%4.59%5.09%Sep 16, 2026: 4.59% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 2026
  • Sep 25, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.64% APR · checked 3 times
4.14%4.64%5.14%Sep 14, 2026: 4.64% APRSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
4.64%
0 - 36 Months
View
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2022 - 2024*

Rate History
No change since Sep 22, 2026 · 4.64% APR · checked 3 times
4.14%4.64%5.14%Sep 22, 2026: 4.64% APRSep 22, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
2023 - 2021 Auto Loan
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedSep 25, 2026
Details

Model Year: 2023 - 2021; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.69% APR · checked 4 times
4.19%4.69%5.19%Sep 17, 2026: 4.69% APRSep 17, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New - 2024 Auto Loan
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedSep 25, 2026
Details

Model Year: New - 2024; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.69% APR · checked 4 times
4.19%4.69%5.19%Sep 17, 2026: 4.69% APRSep 17, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New - 2024 Auto Loan
4.69%
48 months
View
▼
APR4.69%
Term48 months
Last UpdatedSep 25, 2026
Details

Model Year: New - 2024; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.69% APR · checked 4 times
4.19%4.69%5.19%Sep 17, 2026: 4.69% APRSep 17, 2026Sep 28, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $7,500

Rate History
No change since Sep 18, 2026 · 4.69% APR · checked 3 times
4.19%4.69%5.19%Sep 18, 2026: 4.69% APRSep 18, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New - 2024 Auto Loan
4.70%
60 months
View
▼
APR4.70%
Term60 months
Last UpdatedSep 25, 2026
Details

Model Year: New - 2024; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.70% APR · checked 4 times
4.20%4.70%5.20%Sep 17, 2026: 4.70% APRSep 17, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.71% APR · checked 4 times
4.21%4.71%5.21%Sep 14, 2026: 4.71% APRSep 14, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 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 - Term of 72 months or less Loan
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

New Vehicles (Model Years: 2024 and Newer)

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles - Term of 48 months or less Loan
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles - Term of 60 months or less Loan
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles - Term of 66 months or less Loan
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Used Vehicles (Model Years: 2022 and Newer)

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Used Vehicles (Model Years: 2020-2021)

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Used Vehicles (Model Years: 2017-2019)

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2021

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Auto Loan
4.74%
60 months
View
▼
APR4.74%
Interest Rate4.74%
Term60 months
Last UpdatedSep 25, 2026
Details

Rates are current as of 09-24-2026. Loan Rates are based on credit score and term of loan. A 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 25, 2026 · 4.74% APR
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

Untitled & less than 7,500 miles

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Eaton Family Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Passenger Vehicle Loan
4.74%
Up to 72 months
View
▼
APR4.74%
TermUp to 72 months
Last UpdatedSep 27, 2026
Details

New: untitled and less than 7,500 miles; 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 Sep 18, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 13.58%
2021-2019 Used Auto Loan
4.74%
up to 66 months
View
▼
APR4.74%
Termup to 66 months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 22, 2026: 4.74% APRSep 22, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loan
4.74%
Up to 84 months
View
▼
APR4.74%
Interest Rate4.74%
TermUp to 84 months
Last UpdatedSep 27, 2026
Details

Rates As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Pre-Owned Vehicle Loan
4.74%
Up to 84 months
View
▼
APR4.74%
Interest Rate4.74%
TermUp to 84 months
Last UpdatedSep 27, 2026
Details

Rates As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 2026
CME Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.42%
Auto Loan
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedSep 25, 2026
Details

Published APR range: 4.75% - 17.99%.

Rate History
No change since Sep 16, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 16, 2026: 4.75% APRSep 16, 2026Sep 28, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Auto Loans
4.75%
5 years
View
▼
APR4.75%
Term5 years
Last UpdatedSep 25, 2026
Details

APR* as low as: 4.75%

Rate History
1 change since Sep 17, 2026 · 5.75% → 4.75% ▼ 1.00 pts · high 5.75% / low 4.75%
3.75%5.25%6.75%Sep 17, 2026: 5.75% APRSep 20, 2026: 4.75% APRSep 17, 2026Sep 28, 2026
  • Sep 20, 20264.75%▼ from 5.75%
  • Sep 17, 20265.75%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Auto Loans
4.75%
3 years
View
▼
APR4.75%
Term3 years
Last UpdatedSep 25, 2026
Details

APR* as low as: 4.75%

Rate History
1 change since Sep 17, 2026 · 5.50% → 4.75% ▼ 0.75 pts · high 5.50% / low 4.75%
4.00%5.13%6.25%Sep 17, 2026: 5.50% APRSep 20, 2026: 4.75% APRSep 17, 2026Sep 28, 2026
  • Sep 20, 20264.75%▼ from 5.50%
  • Sep 17, 20265.50%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Auto Loans
4.75%
4 years
View
▼
APR4.75%
Term4 years
Last UpdatedSep 25, 2026
Details

APR* as low as: 4.75%

Rate History
1 change since Sep 17, 2026 · 5.50% → 4.75% ▼ 0.75 pts · high 5.50% / low 4.75%
4.00%5.13%6.25%Sep 17, 2026: 5.50% APRSep 20, 2026: 4.75% APRSep 17, 2026Sep 28, 2026
  • Sep 20, 20264.75%▼ from 5.50%
  • Sep 17, 20265.50%first recorded
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%
Term84 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 17, 2026: 4.75% APRSep 17, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 17, 2026: 4.75% APRSep 17, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Published rate range: 4.75% - 18%.

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 months
View
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 21, 2026: 4.75% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 21, 2026: 4.75% APRSep 21, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
2023 - 2021 Auto Loan
4.79%
48 months
View
▼
APR4.79%
Term48 months
Last UpdatedSep 25, 2026
Details

Model Year: 2023 - 2021; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 17, 2026: 4.79% APRSep 17, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

As Low As; APR 4.82%**; $50 processing fee is included in the calculation of the APR.

Rate History
No change since Sep 14, 2026 · 4.82% APR · checked 3 times
4.32%4.82%5.32%Sep 14, 2026: 4.82% APRSep 14, 2026Sep 28, 2026
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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.85% APR · checked 4 times
4.35%4.85%5.35%Sep 14, 2026: 4.85% APRSep 14, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New - 2024 Auto Loan
4.89%
72 months
View
▼
APR4.89%
Term72 months
Last UpdatedSep 25, 2026
Details

Model Year: New - 2024; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.89% APR · checked 4 times
4.39%4.89%5.39%Sep 17, 2026: 4.89% APRSep 17, 2026Sep 28, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $10,000

Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 3 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Sep 28, 2026
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
4.89%
Up to 48 months
View
▼
APR4.89%
TermUp to 48 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 4 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Used Auto
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

$25,000; As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

over $25,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 25, 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, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 25, 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, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 25, 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as; fixed

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, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
2023 - 2021 Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 25, 2026
Details

Model Year: 2023 - 2021; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

APR*

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Vehicle Loans
4.99%
6-year
View
▼
APR4.99%
Interest Rate4.99%
Term6-year
Last UpdatedSep 25, 2026
Details

As a reward for doing more business with Desco, our members can qualify for reductions from our standard rates if they have their loan payments automatically deducted from a Desco checking account and have their home mortgage with us. Contact a loan specialist for a rate quote. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.99% is $404.95 on a $25,000.00 loan with a 6-year term.

Rate History
1 change since Sep 17, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 17, 2026: 4.74% APRSep 25, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.99%▲ from 4.74%
  • Sep 17, 20264.74%first recorded
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Vehicle Loans
4.99%
6-year
View
▼
APR4.99%
Interest Rate4.99%
Term6-year
Last UpdatedSep 25, 2026
Details

As a reward for doing more business with Desco, our members can qualify for reductions from our standard rates if they have their loan payments automatically deducted from a Desco checking account and have their home mortgage with us. Contact a loan specialist for a rate quote. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.99% is $404.95 on a $25,000.00 loan with a 6-year term.

Rate History
1 change since Sep 17, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 17, 2026: 4.74% APRSep 25, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.99%▲ from 4.74%
  • Sep 17, 20264.74%first recorded
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 UpdatedSep 25, 2026
Details

APR*

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

over $15,000; APR*

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

over $30,000; APR*

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

APR*

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Automobiles (2025 and Newer)
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 2026
Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Auto Loan
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 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 UpdatedSep 26, 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, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

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, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Auto Loans
5.00%
6 years
View
▼
APR5.00%
Term6 years
Last UpdatedSep 25, 2026
Details

APR* as low as: 5.00%

Rate History
1 change since Sep 17, 2026 · 6.00% → 5.00% ▼ 1.00 pts · high 6.00% / low 5.00%
4.00%5.50%7.00%Sep 17, 2026: 6.00% APRSep 20, 2026: 5.00% APRSep 17, 2026Sep 28, 2026
  • Sep 20, 20265.00%▼ from 6.00%
  • Sep 17, 20266.00%first recorded
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Auto Loans
5.00%
5 years
View
▼
APR5.00%
Term5 years
Last UpdatedSep 25, 2026
Details

APR* as low as: 5.00%

Rate History
1 change since Sep 17, 2026 · 5.75% → 5.00% ▼ 0.75 pts · high 5.75% / low 5.00%
4.25%5.38%6.50%Sep 17, 2026: 5.75% APRSep 20, 2026: 5.00% APRSep 17, 2026Sep 28, 2026
  • Sep 20, 20265.00%▼ from 5.75%
  • Sep 17, 20265.75%first recorded
Nickel Steel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
NEW/NEWER VEHICLES Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedSep 25, 2026
Details

2026-2023

Rate History
No change since Sep 20, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APRSep 20, 2026Sep 28, 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%
Term72 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Sep 28, 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%
Interest Rate5.00%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

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, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedSep 25, 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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
5.00%
1-36 Months
View
▼
APR5.00%
Term1-36 Months
Last UpdatedSep 25, 2026
Details

Credit Rating: A+

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 21, 2026: 5.00% APRSep 21, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 4 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 4 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As; 4.49%

Rate History
No change since Sep 27, 2026 · 5.04% APR
4.54%5.04%5.54%Sep 27, 2026: 5.04% APRSep 27, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 5.05% APR · checked 2 times
4.55%5.05%5.55%Sep 17, 2026: 5.05% APRSep 17, 2026Sep 28, 2026
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Autos & Trucks (2025-2026)
5.08%
Up to 60 months
View
▼
APR5.08%
Interest Rate4.74%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.08% APR · checked 2 times
4.58%5.08%5.58%Sep 16, 2026: 5.08% APRSep 16, 2026Sep 28, 2026
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
5.09%
49 to 60 months
View
▼
APR5.09%
Term49 to 60 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.09% APR · checked 4 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APRSep 14, 2026Sep 28, 2026
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
NEW VEHICLE LOAN
5.10%
72 M
View
▼
APR5.10%
Term72 M
Last UpdatedSep 25, 2026
Details

Buy that new vehicle you've been wanting!

Rate History
No change since Sep 18, 2026 · 5.10% APR · checked 2 times
4.60%5.10%5.60%Sep 18, 2026: 5.10% APRSep 18, 2026Sep 28, 2026
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
PRE OWNED VEHICLE LOAN
5.10%
60 M
View
▼
APR5.10%
Term60 M
Last UpdatedSep 25, 2026
Details

Great rates on used autos too!

Rate History
No change since Sep 18, 2026 · 5.10% APR · checked 2 times
4.60%5.10%5.60%Sep 18, 2026: 5.10% APRSep 18, 2026Sep 28, 2026
Abbey Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.11%
Vehicle
5.10%
Up to 63 Months
View
▼
APR5.10%
Interest Rate5.10%
TermUp to 63 Months
Last UpdatedSep 27, 2026
Details

2023 or Newer

Rate History
No change since Sep 14, 2026 · 5.10% APR · checked 4 times
4.60%5.10%5.60%Sep 14, 2026: 5.10% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As; 4.59%

Rate History
No change since Sep 27, 2026 · 5.12% APR
4.62%5.12%5.62%Sep 27, 2026: 5.12% APRSep 27, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 4 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 4 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 4 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Sep 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
5.14%
37 - 75 Months
View
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 28, 2026
Details

As Low As; 2022 - 2024*

Rate History
No change since Sep 22, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 22, 2026: 5.14% APRSep 22, 2026Sep 28, 2026

Parma New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
New Vehicle Loan
4.99%
up to 84 months
View
▼
APR4.99%
Termup to 84 months
Last UpdatedSep 27, 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, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
5.25%
48-60 months
View
▼
APR5.25%
Term48-60 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
7635 W Ridgewood Dr, Parma, OH, 44129
New car (dealer) Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
5.50%
66 months
View
▼
APR5.50%
Term66 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Sep 28, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
8479 W Ridgewood Dr, Parma, OH, 44129
New car purchase Loan
6.14%
60 months
View
▼
APR6.14%
Term60 months
Last UpdatedSep 27, 2026
Details

Rate History
2 changes since Sep 14, 2026 · 5.94% → 6.14% ▲ 0.20 pts · high 6.14% / low 5.94%
5.44%6.04%6.64%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APRSep 14, 2026Sep 28, 2026
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
8479 W Ridgewood Dr, Parma, OH, 44129
New car rate Loan
6.14%
60 months
View
▼
APR6.14%
Term60 months
Last UpdatedSep 27, 2026
Details

APR based on 60 months and $45,000

Rate History
2 changes since Sep 14, 2026 · 5.94% → 6.14% ▲ 0.20 pts · high 6.14% / low 5.94%
5.44%6.04%6.64%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APRSep 14, 2026Sep 28, 2026
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
New Vehicles (Never Titled) 2025-2026 Loan
6.25%
84 months
View
▼
APR6.25%
Term84 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Sep 28, 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%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 2.50% APR · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APRSep 18, 2026Sep 28, 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%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 2.75% APR · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APRSep 18, 2026Sep 28, 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%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 2.75% APR · checked 3 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Sep 28, 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%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Sep 28, 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%
Term48 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APRSep 18, 2026Sep 28, 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%
Term48 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 3.25% APR · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APRSep 18, 2026Sep 28, 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%
Term60 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 3.25% APR · checked 3 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APRSep 18, 2026Sep 28, 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%
Term60 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Sep 28, 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%
Term72 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 3 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Sep 28, 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%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 3.75% APR · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APRSep 18, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 3.80% APR · checked 2 times
3.30%3.80%4.30%Sep 17, 2026: 3.80% APRSep 17, 2026Sep 28, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 13.58%
2024-2022 New Auto Loan
3.99%
up to 66 months
View
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Sep 28, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 13.58%
2026-2025 New Auto Loan
3.99%
up to 66 months
View
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Sep 28, 2026
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Auto 2026 Loan
3.99%
up to 48 months
View
▼
APR3.99%
Termup to 48 months
Last UpdatedSep 27, 2026
Details

Rates as low as

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 2026
LAKEVIEW
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Auto 2026 Loan
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedSep 27, 2026
Details

Rates as low as

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Sep 28, 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%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Sep 28, 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%
Term72 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.00%
24 months
View
▼
APR4.00%
Interest Rate4.00%
Term24 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.00%
36 months
View
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APRSep 21, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.05%
Up to 60 Months
View
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 4.05% APR · checked 2 times
3.55%4.05%4.55%Sep 17, 2026: 4.05% APRSep 17, 2026Sep 28, 2026
Integrity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicles 2023 & Newer Loan
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedSep 25, 2026
Details

As Low As; The rate on this product is currently as low as the quoted APR (Annual Percentage Rate), however all rates for these products are based upon an evaluation of applicant credit. Your actual rate may vary. Rates are subject to change at any time.

Rate History
No change since Sep 25, 2026 · 4.25% APR
3.75%4.25%4.75%Sep 25, 2026: 4.25% APRSep 25, 2026Sep 28, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Auto Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedSep 25, 2026
Details

Rates are current as of 09-24-2026. Loan Rates are based on credit score and term of loan. A 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 25, 2026 · 4.25% APR
3.75%4.25%4.75%Sep 25, 2026: 4.25% APRSep 25, 2026Sep 28, 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%
Term48 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 21, 2026: 4.25% APRSep 21, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Sep 28, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Automobiles (2025 and Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 21, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 21, 2026: 4.49% APRSep 21, 2026Sep 28, 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 UpdatedSep 27, 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 4 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Sep 28, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $4,000

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Sep 28, 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%
Term60 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Sep 28, 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%
Term84 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 months
View
▼
APR4.50%
Interest Rate4.50%
Term24 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 months
View
▼
APR4.50%
Interest Rate4.50%
Term36 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.50%
60 months
View
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 4 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 4 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.54% APR · checked 4 times
4.04%4.54%5.04%Sep 14, 2026: 4.54% APRSep 14, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 2026
  • Sep 25, 20264.54%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.55%
Up to 72 Months
View
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 4.55% APR · checked 2 times
4.05%4.55%5.05%Sep 17, 2026: 4.55% APRSep 17, 2026Sep 28, 2026
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 UpdatedSep 22, 2026
Details

New/Used Cars**

Rate History
No change since Sep 22, 2026 · 4.57% APR
4.07%4.57%5.07%Sep 22, 2026: 4.57% APRSep 22, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 2 times
4.09%4.59%5.09%Sep 16, 2026: 4.59% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 2026
  • Sep 25, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.64% APR · checked 3 times
4.14%4.64%5.14%Sep 14, 2026: 4.64% APRSep 14, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New - 2024 Auto Loan
4.69%
36 months
View
▼
APR4.69%
Term36 months
Last UpdatedSep 25, 2026
Details

Model Year: New - 2024; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.69% APR · checked 4 times
4.19%4.69%5.19%Sep 17, 2026: 4.69% APRSep 17, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New - 2024 Auto Loan
4.69%
48 months
View
▼
APR4.69%
Term48 months
Last UpdatedSep 25, 2026
Details

Model Year: New - 2024; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.69% APR · checked 4 times
4.19%4.69%5.19%Sep 17, 2026: 4.69% APRSep 17, 2026Sep 28, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $7,500

Rate History
No change since Sep 18, 2026 · 4.69% APR · checked 3 times
4.19%4.69%5.19%Sep 18, 2026: 4.69% APRSep 18, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New - 2024 Auto Loan
4.70%
60 months
View
▼
APR4.70%
Term60 months
Last UpdatedSep 25, 2026
Details

Model Year: New - 2024; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.70% APR · checked 4 times
4.20%4.70%5.20%Sep 17, 2026: 4.70% APRSep 17, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.71% APR · checked 4 times
4.21%4.71%5.21%Sep 14, 2026: 4.71% APRSep 14, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 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 - Term of 72 months or less Loan
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

New Vehicles (Model Years: 2024 and Newer)

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2021

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 2026
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
New Auto Loan
4.74%
60 months
View
▼
APR4.74%
Interest Rate4.74%
Term60 months
Last UpdatedSep 25, 2026
Details

Rates are current as of 09-24-2026. Loan Rates are based on credit score and term of loan. A 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 25, 2026 · 4.74% APR
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

Untitled & less than 7,500 miles

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
New Vehicle Loan
4.74%
Up to 84 months
View
▼
APR4.74%
Interest Rate4.74%
TermUp to 84 months
Last UpdatedSep 27, 2026
Details

Rates As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 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%
Term84 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Published rate range: 4.75% - 18%.

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 months
View
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 21, 2026: 4.75% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 21, 2026: 4.75% APRSep 21, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

As Low As; APR 4.82%**; $50 processing fee is included in the calculation of the APR.

Rate History
No change since Sep 14, 2026 · 4.82% APR · checked 3 times
4.32%4.82%5.32%Sep 14, 2026: 4.82% APRSep 14, 2026Sep 28, 2026
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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.85% APR · checked 4 times
4.35%4.85%5.35%Sep 14, 2026: 4.85% APRSep 14, 2026Sep 28, 2026
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New - 2024 Auto Loan
4.89%
72 months
View
▼
APR4.89%
Term72 months
Last UpdatedSep 25, 2026
Details

Model Year: New - 2024; Rate includes *: See footnote for details.

Rate History
No change since Sep 17, 2026 · 4.89% APR · checked 4 times
4.39%4.89%5.39%Sep 17, 2026: 4.89% APRSep 17, 2026Sep 28, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $10,000

Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 3 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Sep 28, 2026
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
4.89%
Up to 48 months
View
▼
APR4.89%
TermUp to 48 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 4 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

$25,000; As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

over $25,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 25, 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, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 25, 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, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 25, 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as; fixed

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, 2026Sep 28, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Vehicle Loans
4.99%
6-year
View
▼
APR4.99%
Interest Rate4.99%
Term6-year
Last UpdatedSep 25, 2026
Details

As a reward for doing more business with Desco, our members can qualify for reductions from our standard rates if they have their loan payments automatically deducted from a Desco checking account and have their home mortgage with us. Contact a loan specialist for a rate quote. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.99% is $404.95 on a $25,000.00 loan with a 6-year term.

Rate History
1 change since Sep 17, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 17, 2026: 4.74% APRSep 25, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.99%▲ from 4.74%
  • Sep 17, 20264.74%first recorded
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 UpdatedSep 25, 2026
Details

APR*

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.74%
New Automobiles (2025 and Newer)
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 21, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 21, 2026: 4.99% APRSep 21, 2026Sep 28, 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 UpdatedSep 26, 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, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

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, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Nickel Steel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
NEW/NEWER VEHICLES Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedSep 25, 2026
Details

2026-2023

Rate History
No change since Sep 20, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APRSep 20, 2026Sep 28, 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%
Term72 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A (650-719)

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Sep 28, 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
5.00%
1-36 Months
View
▼
APR5.00%
Term1-36 Months
Last UpdatedSep 25, 2026
Details

Credit Rating: A+

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 21, 2026: 5.00% APRSep 21, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 4 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 4 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 5.05% APR · checked 2 times
4.55%5.05%5.55%Sep 17, 2026: 5.05% APRSep 17, 2026Sep 28, 2026
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Autos & Trucks (2025-2026)
5.08%
Up to 60 months
View
▼
APR5.08%
Interest Rate4.74%
TermUp to 60 months
Last UpdatedSep 25, 2026
Details

Rate History
No change since Sep 16, 2026 · 5.08% APR · checked 2 times
4.58%5.08%5.58%Sep 16, 2026: 5.08% APRSep 16, 2026Sep 28, 2026
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
5.09%
49 to 60 months
View
▼
APR5.09%
Term49 to 60 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.09% APR · checked 4 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APRSep 14, 2026Sep 28, 2026
Quest Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
NEW VEHICLE LOAN
5.10%
72 M
View
▼
APR5.10%
Term72 M
Last UpdatedSep 25, 2026
Details

Buy that new vehicle you've been wanting!

Rate History
No change since Sep 18, 2026 · 5.10% APR · checked 2 times
4.60%5.10%5.60%Sep 18, 2026: 5.10% APRSep 18, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 3 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Sep 28, 2026

Parma Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
Used Vehicle Loan (1-3 years old)
5.49%
up to 84 months
View
▼
APR5.49%
Termup to 84 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
Used Vehicle Loan (4-5 years old)
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
Used Vehicle Loan (6-7 years old)
5.49%
up to 60 months
View
▼
APR5.49%
Termup to 60 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Sep 28, 2026
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
5800 State Rd, Parma, OH, 44134
Used Vehicle Loan (8-plus years)
5.49%
up to 48 months
View
▼
APR5.49%
Termup to 48 months
Last UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 18, 2026: 5.49% APRSep 18, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
Used Vehicles 2022-2025 Loan
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Sep 28, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
7635 W Ridgewood Dr, Parma, OH, 44129
Used car (dealer) Loan
5.69%
60-month
View
▼
APR5.69%
Term60-month
Last UpdatedSep 27, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Sep 28, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
Used Vehicles 2022-2025 Loan
5.75%
48-60 months
View
▼
APR5.75%
Term48-60 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Sep 28, 2026
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
Used Vehicles 2022-2025 Loan
6.00%
66 months
View
▼
APR6.00%
Term66 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Sep 28, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
8479 W Ridgewood Dr, Parma, OH, 44129
Used car purchase Loan
6.19%
60 months
View
▼
APR6.19%
Term60 months
Last UpdatedSep 27, 2026
Details

Rate History
2 changes since Sep 14, 2026 · 5.99% → 6.19% ▲ 0.20 pts · high 6.19% / low 5.99%
5.49%6.09%6.69%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APRSep 14, 2026Sep 28, 2026
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
8479 W Ridgewood Dr, Parma, OH, 44129
Used car rate Loan
6.19%
60 months
View
▼
APR6.19%
Term60 months
Last UpdatedSep 27, 2026
Details

APR based on 60 months and $30,000

Rate History
2 changes since Sep 14, 2026 · 5.99% → 6.19% ▲ 0.20 pts · high 6.19% / low 5.99%
5.49%6.09%6.69%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APRSep 14, 2026Sep 28, 2026
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
All Saints Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.32%
6740 Broadview Rd, Parma, OH, 44134 4886
Used Vehicles 2022-2025 Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 2 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 3.80% APR · checked 2 times
3.30%3.80%4.30%Sep 17, 2026: 3.80% APRSep 17, 2026Sep 28, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 13.58%
2024-2022 Used Auto Loan
3.99%
up to 66 months
View
▼
APR3.99%
Termup to 66 months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Term: 36 Months - 63 Months; As Low As

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 2026
  • Sep 17, 20264.00%▼ from 5.25%
  • Sep 14, 20265.25%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.00%
24 months
View
▼
APR4.00%
Interest Rate4.00%
Term24 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.00%
36 months
View
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 21, 2026: 4.00% APRSep 21, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.05%
Up to 60 Months
View
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 4.05% APR · checked 2 times
3.55%4.05%4.55%Sep 17, 2026: 4.05% APRSep 17, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 2026
  • Sep 17, 20264.25%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 21, 2026: 4.25% APRSep 21, 2026Sep 28, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.49%
Up to 39 Months
View
▼
APR4.49%
TermUp to 39 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $4,000

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
4.50%
24 Months
View
▼
APR4.50%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 17, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 17, 2026: 4.50% APRSep 17, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: A+ 720-749

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, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.50%
24 months
View
▼
APR4.50%
Interest Rate4.50%
Term24 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.50%
36 months
View
▼
APR4.50%
Interest Rate4.50%
Term36 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
4.50%
60 months
View
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 21, 2026: 4.50% APRSep 21, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 2026
  • Sep 25, 20264.54%▲ from 4.30%
  • Sep 14, 20264.30%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
4.55%
Up to 72 Months
View
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 4.55% APR · checked 2 times
4.05%4.55%5.05%Sep 17, 2026: 4.55% APRSep 17, 2026Sep 28, 2026
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 UpdatedSep 22, 2026
Details

New/Used Cars**

Rate History
No change since Sep 22, 2026 · 4.57% APR
4.07%4.57%5.07%Sep 22, 2026: 4.57% APRSep 22, 2026Sep 28, 2026
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
Used Vehicle Financing
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedSep 25, 2026
Details

Additional APR listed for this product: 5.19%, 5.39%, 5.69%.

Rate History
No change since Sep 16, 2026 · 4.59% APR · checked 2 times
4.09%4.59%5.09%Sep 16, 2026: 4.59% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 2026
  • Sep 25, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.69%
40 - 64 Months
View
▼
APR4.69%
Term40 - 64 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $7,500

Rate History
No change since Sep 18, 2026 · 4.69% APR · checked 3 times
4.19%4.69%5.19%Sep 18, 2026: 4.69% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.71% APR · checked 4 times
4.21%4.71%5.21%Sep 14, 2026: 4.71% APRSep 14, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As Low As; *Rate 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, 2026Sep 28, 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 - Term of 48 months or less Loan
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles - Term of 60 months or less Loan
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 2026
Champion Credit Union Toledo, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Vehicles - Term of 66 months or less Loan
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedSep 22, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Used Vehicles (Model Years: 2022 and Newer)

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Used Vehicles (Model Years: 2020-2021)

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

Used Vehicles (Model Years: 2017-2019)

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2026/2025/2024/2023

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Model Year: 2021

Rate History
No change since Sep 16, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 16, 2026: 4.74% APRSep 16, 2026Sep 28, 2026
Education First Credit Union Inc
Institution Rating:
A5.0 ★ Texas Ratio: 13.58%
2021-2019 Used Auto Loan
4.74%
up to 66 months
View
▼
APR4.74%
Termup to 66 months
Last UpdatedSep 27, 2026
Details

As low as

Rate History
No change since Sep 22, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Sep 22, 2026: 4.74% APRSep 22, 2026Sep 28, 2026
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Pre-Owned Vehicle Loan
4.74%
Up to 84 months
View
▼
APR4.74%
Interest Rate4.74%
TermUp to 84 months
Last UpdatedSep 27, 2026
Details

Rates As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

over $20,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 17, 2026: 4.75% APRSep 17, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

Rate History
No change since Sep 17, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 17, 2026: 4.75% APRSep 17, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 2026
  • Sep 17, 20264.75%▼ from 6.00%
  • Sep 14, 20266.00%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.75%
48 months
View
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 21, 2026: 4.75% APRSep 21, 2026Sep 28, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 680 - 729 Score Loan
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A

Rate History
No change since Sep 21, 2026 · 4.75% APR · checked 3 times
4.25%4.75%5.25%Sep 21, 2026: 4.75% APRSep 21, 2026Sep 28, 2026
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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.85% APR · checked 4 times
4.35%4.85%5.35%Sep 14, 2026: 4.85% APRSep 14, 2026Sep 28, 2026
Cornerstone Community Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.38%
Auto Loans - New & Used
4.89%
65 - 75 Months
View
▼
APR4.89%
Term65 - 75 Months
Last UpdatedSep 27, 2026
Details

Minimum Loan Amount $10,000

Rate History
No change since Sep 18, 2026 · 4.89% APR · checked 3 times
4.39%4.89%5.39%Sep 18, 2026: 4.89% APRSep 18, 2026Sep 28, 2026
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
4.89%
Up to 48 months
View
▼
APR4.89%
TermUp to 48 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 4 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Sep 28, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Used Auto
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Sep 28, 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 UpdatedSep 22, 2026
Details

over $25,000; As Low As

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedSep 25, 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, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedSep 25, 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, 2026Sep 28, 2026
AllWealth Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.98%
New & Used Vehicle Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 25, 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, 2026Sep 28, 2026
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Vehicle Loans
4.99%
6-year
View
▼
APR4.99%
Interest Rate4.99%
Term6-year
Last UpdatedSep 25, 2026
Details

As a reward for doing more business with Desco, our members can qualify for reductions from our standard rates if they have their loan payments automatically deducted from a Desco checking account and have their home mortgage with us. Contact a loan specialist for a rate quote. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.99% is $404.95 on a $25,000.00 loan with a 6-year term.

Rate History
1 change since Sep 17, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74%
4.24%4.87%5.49%Sep 17, 2026: 4.74% APRSep 25, 2026: 4.99% APRSep 17, 2026Sep 28, 2026
  • Sep 25, 20264.99%▲ from 4.74%
  • Sep 17, 20264.74%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 UpdatedSep 22, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Sep 28, 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%
Interest Rate5.00%
Term24 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A++ (750+)

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, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedSep 25, 2026
Details

Credit Grade: A+ (720-749)

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Sep 28, 2026
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Auto (2019-2017) Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedSep 25, 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

Credit Grade: 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, 2026Sep 28, 2026
  • Sep 17, 20265.00%▼ from 6.00%
  • Sep 14, 20266.00%first recorded
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
New/Used Vehicles - 730+ Score Loan
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 28, 2026
Details

Credit Grade: A+

Rate History
No change since Sep 21, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 21, 2026: 5.00% APRSep 21, 2026Sep 28, 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 UpdatedSep 25, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 4 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Sep 28, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 25, 2026
Details

Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.

Rate History
No change since Sep 17, 2026 · 5.05% APR · checked 2 times
4.55%5.05%5.55%Sep 17, 2026: 5.05% APRSep 17, 2026Sep 28, 2026
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
New and Used Vehicles Model years 2026-2025-2024-2023 Loan
5.09%
49 to 60 months
View
▼
APR5.09%
Term49 to 60 months
Last UpdatedSep 27, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.09% APR · checked 4 times
4.59%5.09%5.59%Sep 14, 2026: 5.09% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 4 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 4 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Sep 28, 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 UpdatedSep 27, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.14% APR · checked 4 times
4.64%5.14%5.64%Sep 14, 2026: 5.14% APRSep 14, 2026Sep 28, 2026

Parma, OH Auto Loan Rate Trends

Compare local Parma, 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
5.874%
▼ 0.076 vs 7 days ago

Ohio new auto rates fell 0.076 points over the past 7 days to 5.874% APR.

Used Auto Loan OH Avg
6.402%
▲ 0.018 vs 7 days ago

Ohio used auto rates rose 0.018 points over the past 7 days to 6.402% APR.

As of Sep 28, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Parma, 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
5.87%
APR, as of Sep 28, 2026
6-Month Forecast
5.95%
Fed hold assumed
12-Month Forecast
6.02%
Range: 5.67% to 6.22%
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.

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 @ 5.87% APR
OH average		 Used Auto @ 6.40% APR
OH average		 Monthly Difference
$15,000 $289.11/mo $292.80/mo $3.69/mo
$25,000 $481.86/mo $488.00/mo $6.15/mo
$35,000 $674.60/mo $683.20/mo $8.60/mo
$45,000 $867.34/mo $878.41/mo $11.06/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.

How to Get the Best Auto Loan Rate in Parma, Ohio

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Parma, 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?

Parma, Ohio Financial Snapshot

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

$41,323
Median Individual Earnings
National avg: $47,340
6.4%
Unemployment Rate
National avg: 4.8%
10.1%
Poverty Rate
National avg: 11.1%
$578/mo
Payment on a $30K / 60-mo Loan
At OH new-auto avg 5.87% APR

A $578 monthly car payment works out to roughly 16.8% of the median individual income in Parma, Ohio. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Parma, 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 1–3 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 (0–2.9% 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 Parma, 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 Parma, 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 Parma, 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 Parma, Ohio. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OH.

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

Frequently Asked Questions about Auto Loans in Parma, 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 Parma, 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 Parma, 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 Parma, Ohio?

Yes. A preapproval from a bank or credit union serving Parma, 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 Parma, 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.

What are the best Auto Loan rates in Parma, Ohio?

Based on our current data, some of the lowest auto loan rates available in Parma, Ohio include:
  • All Saints Federal Credit Union: 4.25% (New Vehicles (Never Titled) 2025-2026 Loan)
  • Wiremens Credit Union: 4.99% (New Vehicle Loan)
  • Holy Family Parma Federal Credit Union: 5.00% (Auto Loan)
  • Bank of America: 5.49% (New car (dealer) Loan)
  • Chase Bank: 6.14% (New car purchase Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Parma, Ohio. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 28, 2026

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