Auto Loan Rates in Tennessee (TN) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Tennessee. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Tennessee include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionAAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN, 38116 1917A+5.0 ★Texas Ratio: 2.33% offering Auto Loans at 3.45%, Owensboro Federal Credit UnionOwensboro Federal Credit Union2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449A+5.0 ★Texas Ratio: 0.78% offering Auto Loan at 3.75%, Memphis City Employees Credit UnionMemphis City Employees Credit Union2608 Avery Ave, Memphis, TN, 38112 4821A+5.0 ★Texas Ratio: 1.64% offering New & Used Auto at 3.99%, Leaders Credit UnionLeaders Credit Union214 Oil Well Rd, Jackson, TN, 38305 7914A+5.0 ★Texas Ratio: 4.57% offering Auto Loans at 3.99%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Tennessee side-by-side. Tennessee auto loan rates currently start as low as 3.34% APR from American Airlines Federal Credit Union at AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Tennessee. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Tennessee
Tennessee Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Auto Loans
3.45%
Max. 84 Months
▼
APR3.45%
TermMax. 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Starting at
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
3.75%
48 MONTHS
▼
APR3.75%
Term48 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN, 38305 7914
Auto Loans
3.99%
96 months
▼
APR3.99%
Term96 months
Last UpdatedJun 16, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.00%
60 MONTHS
▼
APR4.00%
Term60 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.25%
48 MONTHS
▼
APR4.25%
Term48 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedJun 16, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Auto (90% of Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto (90% of Retail, 501 - 15,000 Miles)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Used Auto (90% of NADA Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.50%
72 MONTHS
▼
APR4.50%
Term72 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos
4.59%
60 months
▼
APR4.59%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Summer Auto Refinance
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
▼
APR4.59%
Term3-7 year term
Last UpdatedJun 16, 2026
Details
As Low As; *
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - Up to 24 months
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 120%
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
4.75%
60 Month Fixed
▼
APR4.75%
Term60 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.75%
72 MONTHS
▼
APR4.75%
Term72 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedJun 16, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 120%
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedJun 16, 2026
Details
125% financing available. No minimum loan amount.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJun 16, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
164 N Henderson Ave Ste B, Sevierville, TN, 37862
Auto Loan
4.99%
78 months
▼
APR4.99%
Term78 months
Last UpdatedJun 16, 2026
Details
As Low As; Refinance your auto loan with us and don't worry about making payments in the summer!
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Auto (100% of Retail)
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.00%
60 Month Fixed
▼
APR5.00%
Term60 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
5.00%
60 MONTHS
▼
APR5.00%
Term60 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 48 mos.
5.00%
48 mos.
▼
APR5.00%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedJun 16, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedJun 16, 2026
Details
125% financing available.
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
112 Administration Rd, Oak Ridge, TN, 37830
Auto Loan
5.24%
36 months*
▼
APR5.24%
Term36 months*
Last UpdatedJun 16, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
3904 Central Pike, Hermitage, TN, 37076 3409
Vehicle Loan
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
5.25%
66 MONTHS
▼
APR5.25%
Term66 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 60 mos.
5.25%
60 mos.
▼
APR5.25%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - 36 months
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - 48 months
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - 60 months
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Auto Loans
5.50%
Up to 36 months
▼
APR5.50%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Credit qualifications may apply.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older
5.50%
Up to 36 months
▼
APR5.50%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Fixed
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.50%
72 Month Fixed
▼
APR5.50%
Term72 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 72 mos.
5.50%
72 mos.
▼
APR5.50%
Term72 mos.
Last UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As; under 10,000 miles
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedJun 16, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van Loan
5.70%
36-84 month financing
▼
APR5.70%
Term36-84 month financing
Last UpdatedJun 16, 2026
Details
2013-2022 models
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedJun 16, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedJun 11, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older
5.75%
Up to 84 months
▼
APR5.75%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Fixed
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.75%
72 Month Fixed
▼
APR5.75%
Term72 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 84 mos.
5.75%
84 mos.
▼
APR5.75%
Term84 mos.
Last UpdatedJun 16, 2026
Details
($30,000 and above)
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedJun 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedJun 16, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - 72 months
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - 36 months
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - 48 months
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - 60 months
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN, 37716 3730
Auto Loan
5.99%
2020-2027
▼
APR5.99%
Term2020-2027
Last UpdatedJun 16, 2026
Details
As Low As; Fixed
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN, 37716 3730
Auto Loan 2020-2027
5.99%
2020-2027
▼
APR5.99%
Term2020-2027
Last UpdatedJun 16, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedJun 16, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
5.99%
61 - 72 months
▼
APR5.99%
Term61 - 72 months
Last UpdatedJun 16, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
5.99%
37 - 60 months
▼
APR5.99%
Term37 - 60 months
Last UpdatedJun 16, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedJun 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
6.00%
84 Month Fixed
▼
APR6.00%
Term84 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
6.00%
84 MONTHS
▼
APR6.00%
Term84 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
6.00%
up to 36 mos
▼
APR6.00%
Termup to 36 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2020-2023) 60 mos.
6.00%
60 mos.
▼
APR6.00%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedJun 16, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN, 37069
2022 Auto Loan
6.24%
Up to 63 Months
▼
APR6.24%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
As Low As; Offer valid on applications now through June 30 when funded on or before June 30. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedJun 16, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - > for 84 months / Used Auto - 24 months
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Used Auto
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
6.25%
96 Month Fixed
▼
APR6.25%
Term96 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
6.25%
84 Month Fixed
▼
APR6.25%
Term84 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
3904 Central Pike, Hermitage, TN, 37076 3409
Vehicle Loan
6.25%
Up to 84 Months
▼
APR6.25%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As; 7 years old or newer
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
6.25%
37 - 63 mos
▼
APR6.25%
Term37 - 63 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2020-2023) 72 mos.
6.25%
72 mos.
▼
APR6.25%
Term72 mos.
Last UpdatedJun 16, 2026
Details
($20,000 and above)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN, 37069
2020 Auto Loan
6.38%
63 Months
▼
APR6.38%
Term63 Months
Last UpdatedJun 16, 2026
Details
As Low As; Offer valid on applications now through June 30 when funded on or before June 30. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedJun 16, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
6.45%
64 - 75 mos (valued at more than $15,000.00)
▼
APR6.45%
Term64 - 75 mos (valued at more than $15,000.00)
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
6.50%
Up to 84 months
▼
APR6.50%
TermUp to 84 months
Last UpdatedJun 11, 2026
Details
Auto over $40K financed
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
6.50%
60 MONTHS
▼
APR6.50%
Term60 MONTHS
Last UpdatedJun 16, 2026
Details
As Low As; Actual rate is determined by credit score
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1306 Highway 70 Byp, Jackson, TN, 38301
Used Vehicle Loan
6.50%
up to 60 months
▼
APR6.50%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2017-2019) 60 mos.
6.50%
60 mos.
▼
APR6.50%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (25,000 - 99,999 miles) Loan
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedJun 16, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos Less than 100,000 miles
6.74%
Up to 96 months
▼
APR6.74%
TermUp to 96 months
Last UpdatedJun 16, 2026
Details
Fixed
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - 72 months
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedJun 16, 2026
Details
As Low As; 8-15 years old
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (25,000 - 99,999 miles)
6.85%
up to 48 mos
▼
APR6.85%
Termup to 48 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedJun 16, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedJun 16, 2026
Details
As Low As; *
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN, 37716 3730
Auto Loan
6.99%
2013-2019
▼
APR6.99%
Term2013-2019
Last UpdatedJun 16, 2026
Details
As Low As; Fixed
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedJun 16, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
6.99%
61 - 72 months
▼
APR6.99%
Term61 - 72 months
Last UpdatedJun 16, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
7.00%
Up to 96 months
▼
APR7.00%
TermUp to 96 months
Last UpdatedJun 11, 2026
Details
Auto over $50K financed
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2014-older) 36 mos.
7.00%
36 mos.
▼
APR7.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2015-2016) 48 mos.
7.00%
48 mos.
▼
APR7.00%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (25,000 - 99,999 miles)
7.15%
37 - 63 mos
▼
APR7.15%
Term37 - 63 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
7.24%
Up to 84 mos.
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedJun 16, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
7.24%
73 - 84 months
▼
APR7.24%
Term73 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - > for 84 months / Classic / Older Used Auto - Up to 36 months
7.25%
84 months
▼
APR7.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Classic / Older Used Auto
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (25,000 - 99,999 miles)
7.35%
64 - 75 (valued at more than $15,000.00)
▼
APR7.35%
Term64 - 75 (valued at more than $15,000.00)
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Classic Autos
7.75%
6 - 84 months
▼
APR7.75%
Term6 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As; 25 years and older
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
7.85%
76 - 84 mos (valued at more than $30,000.00)
▼
APR7.85%
Term76 - 84 mos (valued at more than $30,000.00)
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto - Up to 36 months
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJun 11, 2026
Details
As Low As; Classic / Older Used Auto
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
3904 Central Pike, Hermitage, TN, 37076 3409
Vehicle Loan
8.25%
Up to 60 Months
▼
APR8.25%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (25,000 - 99,999 miles)
8.30%
76 - 84 mos (valued at more than $30,000.00)
▼
APR8.30%
Term76 - 84 mos (valued at more than $30,000.00)
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Auto (Over 7 years old)
8.50%
63 mos or less (below 80,000 miles)
▼
APR8.50%
Term63 mos or less (below 80,000 miles)
Last UpdatedJun 16, 2026
Details
As low as
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJun 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
Extended Year Models Auto Loans
9.00%
36 Months
▼
APR9.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (100,000 miles)
9.25%
up to 63 mos
▼
APR9.25%
Termup to 63 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (100,000 miles)
9.45%
64 - 75 mos
▼
APR9.45%
Term64 - 75 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Auto Loan
9.99%
145 - 180 months
▼
APR9.99%
Term145 - 180 months
Last UpdatedJun 16, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Auto (Over 7 years old)
10.50%
63 mos or less (above 80,000 miles)
▼
APR10.50%
Term63 mos or less (above 80,000 miles)
Last UpdatedJun 16, 2026
Details
As low as
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Auto Loan
10.99%
145 - 180 months
▼
APR10.99%
Term145 - 180 months
Last UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
New, Retail, Used Auto Loan
11.99%
12-24 Months
▼
APR11.99%
Term12-24 Months
Last UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
New, Retail, Used Auto Loan
12.99%
25-60 Months
▼
APR12.99%
Term25-60 Months
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
Tennessee New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedJun 16, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Auto (90% of Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto (90% of Retail, 501 - 15,000 Miles)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos
4.59%
60 months
▼
APR4.59%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Summer Auto Refinance
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
▼
APR4.59%
Term3-7 year term
Last UpdatedJun 16, 2026
Details
As Low As; *
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - Up to 24 months
4.75%
24 months
▼
APR4.75%
Term24 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 120%
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
4.75%
60 Month Fixed
▼
APR4.75%
Term60 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedJun 16, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedJun 16, 2026
Details
125% financing available. No minimum loan amount.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedJun 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Auto (100% of Retail)
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 48 mos.
5.00%
48 mos.
▼
APR5.00%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 60 mos.
5.25%
60 mos.
▼
APR5.25%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - 36 months
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - 48 months
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - 60 months
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.50%
72 Month Fixed
▼
APR5.50%
Term72 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 72 mos.
5.50%
72 mos.
▼
APR5.50%
Term72 mos.
Last UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As; under 10,000 miles
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedJun 16, 2026
Details
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedJun 16, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedJun 11, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 84 mos.
5.75%
84 mos.
▼
APR5.75%
Term84 mos.
Last UpdatedJun 16, 2026
Details
($30,000 and above)
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - 72 months
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJun 11, 2026
Details
As Low As; New Auto
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedJun 16, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
5.99%
61 - 72 months
▼
APR5.99%
Term61 - 72 months
Last UpdatedJun 16, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedJun 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
6.00%
84 Month Fixed
▼
APR6.00%
Term84 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
6.00%
up to 36 mos
▼
APR6.00%
Termup to 36 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - > for 84 months / Used Auto - 24 months
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Used Auto
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
6.25%
96 Month Fixed
▼
APR6.25%
Term96 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
6.25%
37 - 63 mos
▼
APR6.25%
Term37 - 63 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
6.45%
64 - 75 mos (valued at more than $15,000.00)
▼
APR6.45%
Term64 - 75 mos (valued at more than $15,000.00)
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
6.50%
Up to 84 months
▼
APR6.50%
TermUp to 84 months
Last UpdatedJun 11, 2026
Details
Auto over $40K financed
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedJun 16, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
6.99%
73 - 84 months
▼
APR6.99%
Term73 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
7.00%
Up to 96 months
▼
APR7.00%
TermUp to 96 months
Last UpdatedJun 11, 2026
Details
Auto over $50K financed
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedJun 16, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
7.85%
76 - 84 mos (valued at more than $30,000.00)
▼
APR7.85%
Term76 - 84 mos (valued at more than $30,000.00)
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
New, Retail, Used Auto Loan
11.99%
12-24 Months
▼
APR11.99%
Term12-24 Months
Last UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
New, Retail, Used Auto Loan
12.99%
25-60 Months
▼
APR12.99%
Term25-60 Months
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
Tennessee Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Used Auto (90% of NADA Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedJun 16, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedJun 16, 2026
Details
As Low As; up to 120%
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.00%
60 Month Fixed
▼
APR5.00%
Term60 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 48 mos.
5.00%
48 mos.
▼
APR5.00%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedJun 16, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedJun 16, 2026
Details
125% financing available.
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 60 mos.
5.25%
60 mos.
▼
APR5.25%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedJun 16, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedJun 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 72 mos.
5.50%
72 mos.
▼
APR5.50%
Term72 mos.
Last UpdatedJun 16, 2026
Details
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van Loan
5.70%
36-84 month financing
▼
APR5.70%
Term36-84 month financing
Last UpdatedJun 16, 2026
Details
2013-2022 models
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.75%
72 Month Fixed
▼
APR5.75%
Term72 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto (2024-2026) 84 mos.
5.75%
84 mos.
▼
APR5.75%
Term84 mos.
Last UpdatedJun 16, 2026
Details
($30,000 and above)
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedJun 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedJun 16, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - 36 months
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - 48 months
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - 60 months
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
5.99%
37 - 60 months
▼
APR5.99%
Term37 - 60 months
Last UpdatedJun 16, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2020-2023) 60 mos.
6.00%
60 mos.
▼
APR6.00%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedJun 16, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedJun 16, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto - > for 84 months / Used Auto - 24 months
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Used Auto
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
6.25%
84 Month Fixed
▼
APR6.25%
Term84 Month Fixed
Last UpdatedJun 16, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As; 7 years old or newer
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2020-2023) 72 mos.
6.25%
72 mos.
▼
APR6.25%
Term72 mos.
Last UpdatedJun 16, 2026
Details
($20,000 and above)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedJun 16, 2026
Details
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1306 Highway 70 Byp, Jackson, TN, 38301
Used Vehicle Loan
6.50%
up to 60 months
▼
APR6.50%
Termup to 60 months
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2017-2019) 60 mos.
6.50%
60 mos.
▼
APR6.50%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (25,000 - 99,999 miles) Loan
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - 72 months
6.75%
72 months
▼
APR6.75%
Term72 months
Last UpdatedJun 11, 2026
Details
As Low As; Used Auto
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedJun 16, 2026
Details
As Low As; 8-15 years old
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (25,000 - 99,999 miles)
6.85%
up to 48 mos
▼
APR6.85%
Termup to 48 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks (Greater than 100,000 miles but less than 175,000 miles) Loan
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedJun 16, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedJun 16, 2026
Details
As Low As; *
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
6.99%
61 - 72 months
▼
APR6.99%
Term61 - 72 months
Last UpdatedJun 16, 2026
Details
As Low As
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2014-older) 36 mos.
7.00%
36 mos.
▼
APR7.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
Used Auto (2015-2016) 48 mos.
7.00%
48 mos.
▼
APR7.00%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (25,000 - 99,999 miles)
7.15%
37 - 63 mos
▼
APR7.15%
Term37 - 63 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
7.24%
Up to 84 mos.
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedJun 16, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
7.24%
73 - 84 months
▼
APR7.24%
Term73 - 84 months
Last UpdatedJun 16, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto - > for 84 months / Classic / Older Used Auto - Up to 36 months
7.25%
84 months
▼
APR7.25%
Term84 months
Last UpdatedJun 11, 2026
Details
$25,0000; As Low As; Classic / Older Used Auto
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (25,000 - 99,999 miles)
7.35%
64 - 75 (valued at more than $15,000.00)
▼
APR7.35%
Term64 - 75 (valued at more than $15,000.00)
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto - Up to 36 months
7.99%
Up to 36 months
▼
APR7.99%
TermUp to 36 months
Last UpdatedJun 11, 2026
Details
As Low As; Classic / Older Used Auto
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (25,000 - 99,999 miles)
8.30%
76 - 84 mos (valued at more than $30,000.00)
▼
APR8.30%
Term76 - 84 mos (valued at more than $30,000.00)
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Auto (Over 7 years old)
8.50%
63 mos or less (below 80,000 miles)
▼
APR8.50%
Term63 mos or less (below 80,000 miles)
Last UpdatedJun 16, 2026
Details
As low as
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedJun 16, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (100,000 miles)
9.25%
up to 63 mos
▼
APR9.25%
Termup to 63 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos (100,000 miles)
9.45%
64 - 75 mos
▼
APR9.45%
Term64 - 75 mos
Last UpdatedJun 16, 2026
Details
As low as; Maximum Amount up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Auto (Over 7 years old)
10.50%
63 mos or less (above 80,000 miles)
▼
APR10.50%
Term63 mos or less (above 80,000 miles)
Last UpdatedJun 16, 2026
Details
As low as
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
New, Retail, Used Auto Loan
11.99%
12-24 Months
▼
APR11.99%
Term12-24 Months
Last UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
New, Retail, Used Auto Loan
12.99%
25-60 Months
▼
APR12.99%
Term25-60 Months
Last UpdatedJun 16, 2026
Details
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MonitorBankRates
Tennessee Auto Loan Rate Trends
Compare local Tennessee auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TN Avg
5.342%
▲ 0.126 vs 7 days ago
Tennessee new auto rates rose 0.126 points over the past 7 days to 5.342% APR.
Used Auto Loan — TN Avg
6.048%
▼ 0.007 vs 7 days ago
Tennessee used auto rates fell 0.007 points over the past 7 days to 6.048% APR.
As of Jun 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tennessee 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 Tennessee 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 Tennessee. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TN.
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 Tennessee
How does my credit score affect my car loan rate in Tennessee?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Tennessee 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 Tennessee *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 Tennessee typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Tennessee?
Based on our current data, some of the lowest auto loan rates available in Tennessee include:
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Orion Federal Credit Union: 3.45% (Auto Loans)
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
- Memphis City Employees Credit Union: 3.99% (New & Used Auto)
- Leaders Credit Union: 3.99% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026
Auto Loan Rates by City in Tennessee
Rate Assistant
MonitorBankRates.com · Live Data
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