Auto Loan Rates in Cumberland Furnace, Tennessee (TN) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Cumberland Furnace, Tennessee. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Cumberland Furnace, Tennessee include Enbright Credit UnionEnbright Credit UnionA+5.0 ★Texas Ratio: 3.73% offering New Auto at 1.99%, Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.42% offering Auto Loans at 3.45%, Leaders Credit UnionLeaders Credit UnionA+5.0 ★Texas Ratio: 4.94% offering Auto Loans at 3.49%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Scenic Community Credit UnionScenic Community Credit UnionA+5.0 ★Texas Ratio: 5.14% offering New and Used Vehicles Up to 25,000 miles at 3.95%. Auto loan rates as of April 12, 2026 according to verified data from MonitorBankRates.
Cumberland Furnace borrowers have access to 48 lenders serving the Tennessee area, with auto loan rates as low as 1.99% APR from Enbright Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Cumberland Furnace, Tennessee. Auto Loan Rates Last Updated and Verified: April 12, 2026
Compare Auto Loan Rates Today in Cumberland Furnace, Tennessee & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New Auto
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
2.45%
60 Months
▼
APR2.45%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New Auto
2.50%
72 Months
▼
APR2.50%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2011 - 2013
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
2.99%
60 Months
▼
APR2.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 72 months
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Auto Loans
3.45%
Max. 84 Months
▼
APR3.45%
TermMax. 84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Auto Loans
3.49%
96 months
▼
APR3.49%
Term96 months
Last UpdatedApr 12, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New Auto
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 84 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2011 - 2013
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 48 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Cars, Trucks, and Vans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 84 months
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto Up to 36 Months
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 5, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 8, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
New Auto Loan
4.25%
12-96
▼
APR4.25%
Term12-96
Last UpdatedApr 8, 2026
Details
As Low As; APR up to 16.25%
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2011 - 2013
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 84 months
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 11, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 Months
▼
APR4.39%
Term63 Months
Last UpdatedApr 11, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 6, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
New Autos
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; 90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Semi-New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; 90% of Retail, 501 - 15,000 Miles
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Used Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; 90% of NADA Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 8, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 8, 2026
Details
Loan Promotion
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Vehicle Loans
4.49%
48- 84 Months
▼
APR4.49%
Term48- 84 Months
Last UpdatedApr 8, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
New Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 8, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Cars, Trucks, and Vans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 8, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedApr 11, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto 37 - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 5, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto 49 - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 5, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Pre-owned Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
Used Auto Loan
4.75%
12-96
▼
APR4.75%
Term12-96
Last UpdatedApr 8, 2026
Details
As Low As; APR up to 17.25%
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
APR4.75%
Term36 - 120
Last UpdatedApr 8, 2026
Details
As Low As
APR4.75%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedApr 11, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedApr 11, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedApr 11, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedApr 11, 2026
Details
125% financing available. No minimum loan amount.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto 2017-2018
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto 2019-2020
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 4, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto 2021 - 2025 (on purchased vehicles)
4.99%
66*
▼
APR4.99%
Term66*
Last UpdatedApr 4, 2026
Details
Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedApr 5, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
Used Autos
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
New Automobiles (up to 25,000 miles)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; 100% of Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedApr 8, 2026
Details
As Low As
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2011 - 2013
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 72 months
APR4.99%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Pre-owned Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 8, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedApr 9, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
5.10%
64 - 75
▼
APR5.10%
Term64 - 75
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedApr 11, 2026
Details
APR5.15%
Term36 - 120
Last UpdatedApr 8, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedApr 11, 2026
Details
125% financing available.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
New Automobiles (up to 25,000 miles)
5.19%
63 Months
▼
APR5.19%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedApr 11, 2026
Details
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
Auto Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedApr 11, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 25, 2026
Details
60 months or less
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto Luxury Only 61 - 72 Months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 5, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 11, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedApr 8, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 25, 2026
Details
60 months or less
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedApr 11, 2026
Details
Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Vehicle Loans
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMar 25, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
New Automobiles (up to 25,000 miles)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 8, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Cars, Trucks, and Vans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 8, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 8, 2026
Details
APR5.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedApr 11, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedApr 11, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto Luxury Only 73 - 84 Months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 5, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 11, 2026
Details
As Low As
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
New Auto/Truck
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 11, 2026
Details
Regular APR: 5.50% - 14.75%; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 25, 2026
Details
72 months
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedApr 6, 2026
Details
As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 25, 2026
Details
72 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84
▼
APR5.69%
Term76 - 84
Last UpdatedApr 11, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van
5.70%
36-84
▼
APR5.70%
Term36-84
Last UpdatedApr 11, 2026
Details
2013-2022 models
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Vehicles
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedApr 11, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Autos 2026 & older
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 11, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Autos
5.75%
24 - 120 Months
▼
APR5.75%
Term24 - 120 Months
Last UpdatedApr 8, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedApr 8, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedApr 9, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 11, 2026
Details
As Low As
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 11, 2026
Details
Regular APR: 5.75% - 14.75%; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Auto Loan
5.89%
0 - 60
▼
APR5.89%
Term0 - 60
Last UpdatedApr 11, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedApr 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.83%
New Car
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Used Automobiles (25,001 - 100,000 miles
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Older Vehicles (2011-2016)
5.99%
up to 48 months
▼
APR5.99%
Termup to 48 months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedApr 8, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Vehicle Loans
5.99%
48 - 72 Months
▼
APR5.99%
Term48 - 72 Months
Last UpdatedApr 8, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
APR5.99%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
APR5.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Autos 2026 & older
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 11, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Classic Pre-owned Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
6.00%
49 - 60
▼
APR6.00%
Term49 - 60
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 125,001 miles to 150,000 miles
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedApr 8, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedApr 9, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedApr 11, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedApr 11, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedApr 11, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 125,001 miles to 150,000 miles
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Used Automobiles (25,001 - 100,000 miles
6.19%
63 Months
▼
APR6.19%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 months
▼
APR6.24%
Term75 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans Previous 3 Years and up - More Than 30,000 miles
6.24%
66 months
▼
APR6.24%
Term66 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedApr 8, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedApr 8, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto 2011-2016
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 4, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedApr 6, 2026
Details
As Low As; (7 years old or newer)
APR6.25%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedApr 11, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Vehicles
6.30%
72 Months
▼
APR6.30%
Term72 Months
Last UpdatedApr 4, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.35%
60 Months
▼
APR6.35%
Term60 Months
Last UpdatedMar 25, 2026
Details
60 months or less
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.83%
New Car
6.35%
72 Months
▼
APR6.35%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedApr 11, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedMar 25, 2026
Details
84 months
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans Previous 3 Years and up - More Than 30,000 miles
6.49%
75 months
▼
APR6.49%
Term75 months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
▼
APR6.49%
Termup to 84 months
Last UpdatedApr 8, 2026
Details
As Low As
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans 2022
6.49%
63 Months
▼
APR6.49%
Term63 Months
Last UpdatedApr 11, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 25, 2026
Details
72 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 25, 2026
Details
84 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
6.50%
61 - 72
▼
APR6.50%
Term61 - 72
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.50%
Up to 84 months *
▼
APR6.50%
TermUp to 84 months *
Last UpdatedApr 8, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedApr 9, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
Regular APR: 6.50% - 15.75%; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Used Automobiles (25,001 - 100,000 miles
6.69%
75 Months
▼
APR6.69%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedApr 11, 2026
Details
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.83%
Used Car
6.74%
48 Months
▼
APR6.74%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Autos Less than 100,000 miles
6.74%
96 Months
▼
APR6.74%
Term96 Months
Last UpdatedApr 11, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedApr 6, 2026
Details
As Low As; (8-15 years old)
APR6.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedApr 9, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans 2020
6.75%
63 Months
▼
APR6.75%
Term63 Months
Last UpdatedApr 11, 2026
Details
As Low As
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Autos, Used Autos and All Others
6.85%
24 Months
▼
APR6.85%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As; Secured
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
New Automobiles (up to 25,000 miles)
6.89%
84 Months
▼
APR6.89%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 11, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
Used Autos
6.90%
24 - 120 Months
▼
APR6.90%
Term24 - 120 Months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans Used Auto (4-6 years old)
6.99%
75 months
▼
APR6.99%
Term75 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto (4-6 years old)
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Older Vehicles (2011-2016)
6.99%
up to 60 months
▼
APR6.99%
Termup to 60 months
Last UpdatedApr 8, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New Auto
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New Auto
2.50%
72 Months
▼
APR2.50%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 72 months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New Auto
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 84 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Cars, Trucks, and Vans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 8, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
New Auto Loan
4.25%
12-96
▼
APR4.25%
Term12-96
Last UpdatedApr 8, 2026
Details
As Low As; APR up to 16.25%
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 11, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 Months
▼
APR4.39%
Term63 Months
Last UpdatedApr 11, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 6, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
New Autos
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; 90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Semi-New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; 90% of Retail, 501 - 15,000 Miles
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 8, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 8, 2026
Details
Loan Promotion
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Vehicle Loans
4.49%
48- 84 Months
▼
APR4.49%
Term48- 84 Months
Last UpdatedApr 8, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
New Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 4, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 8, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Cars, Trucks, and Vans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedApr 8, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedApr 11, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 4, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
APR4.75%
Term36 - 120
Last UpdatedApr 8, 2026
Details
As Low As
APR4.75%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedApr 11, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedApr 11, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedApr 11, 2026
Details
125% financing available. No minimum loan amount.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
New Automobiles (up to 25,000 miles)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; 100% of Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 8, 2026
Details
As Low As
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedApr 9, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
5.10%
64 - 75
▼
APR5.10%
Term64 - 75
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
New Automobiles (up to 25,000 miles)
5.19%
63 Months
▼
APR5.19%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedApr 11, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 25, 2026
Details
60 months or less
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 11, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
New Automobiles (up to 25,000 miles)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 8, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
New Cars, Trucks, and Vans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 8, 2026
Details
APR5.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedApr 11, 2026
Details
As Low As
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
New Auto/Truck
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 11, 2026
Details
Regular APR: 5.50% - 14.75%; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 25, 2026
Details
72 months
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedApr 6, 2026
Details
As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84
▼
APR5.69%
Term76 - 84
Last UpdatedApr 11, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
New Vehicles
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedApr 11, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
New Autos
5.75%
24 - 120 Months
▼
APR5.75%
Term24 - 120 Months
Last UpdatedApr 8, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedApr 8, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 11, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 11, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.83%
New Car
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 8, 2026
Details
As Low As
APR5.99%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
6.00%
49 - 60
▼
APR6.00%
Term49 - 60
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 125,001 miles to 150,000 miles
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedApr 8, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedApr 9, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedApr 11, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 125,001 miles to 150,000 miles
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 months
▼
APR6.24%
Term75 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedApr 8, 2026
Details
As Low As
APR6.25%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.83%
New Car
6.35%
72 Months
▼
APR6.35%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedMar 25, 2026
Details
84 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
6.50%
61 - 72
▼
APR6.50%
Term61 - 72
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.50%
Up to 84 months *
▼
APR6.50%
TermUp to 84 months *
Last UpdatedApr 8, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedApr 9, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Autos, Used Autos and All Others
6.85%
24 Months
▼
APR6.85%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As; Secured
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
New Automobiles (up to 25,000 miles)
6.89%
84 Months
▼
APR6.89%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 months
▼
APR6.99%
Term84 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
2.45%
60 Months
▼
APR2.45%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2011 - 2013
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
2.99%
60 Months
▼
APR2.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2011 - 2013
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 48 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2018 - 2020
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; for 84 months
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto Up to 36 Months
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 5, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2011 - 2013
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2014 - 2017
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 84 months
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 11, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 6, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Used Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As; 90% of NADA Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 8, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 8, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto 37 - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 5, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto 49 - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 5, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Pre-owned Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
Used Auto Loan
4.75%
12-96
▼
APR4.75%
Term12-96
Last UpdatedApr 8, 2026
Details
As Low As; APR up to 17.25%
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedApr 11, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto 2017-2018
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto 2019-2020
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 4, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto 2021 - 2025 (on purchased vehicles)
4.99%
66*
▼
APR4.99%
Term66*
Last UpdatedApr 4, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 5, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
Used Autos
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedApr 8, 2026
Details
As Low As
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
Used Auto Model Years 2011 - 2013
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As; up to 72 months
APR4.99%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Pre-owned Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 8, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 11, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
5.10%
64 - 75
▼
APR5.10%
Term64 - 75
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles Up to 25,000 miles
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedApr 8, 2026
Details
As Low As; Up to 135% of Retail - see below
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedApr 11, 2026
Details
APR5.15%
Term36 - 120
Last UpdatedApr 8, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedApr 11, 2026
Details
125% financing available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto Luxury Only 61 - 72 Months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 5, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 11, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedApr 6, 2026
Details
80 Days of Spring Auto Rates!
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedApr 8, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 25, 2026
Details
60 months or less
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedApr 11, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 8, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 8, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedApr 11, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Used Auto Luxury Only 73 - 84 Months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 5, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 11, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 25, 2026
Details
72 months
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van
5.70%
36-84
▼
APR5.70%
Term36-84
Last UpdatedApr 11, 2026
Details
2013-2022 models
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedApr 9, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 11, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 11, 2026
Details
Regular APR: 5.75% - 14.75%; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedApr 11, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Used Automobiles (25,001 - 100,000 miles
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 8, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedApr 8, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Vehicle Loans
5.99%
48 - 72 Months
▼
APR5.99%
Term48 - 72 Months
Last UpdatedApr 8, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
APR5.99%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Classic Pre-owned Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; See Note 1
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
6.00%
49 - 60
▼
APR6.00%
Term49 - 60
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 125,001 miles to 150,000 miles
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 25,001 miles to 99,999 miles
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedApr 8, 2026
Details
Up to 135% of Retail - see below
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedApr 11, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedApr 11, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 125,001 miles to 150,000 miles
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Used Automobiles (25,001 - 100,000 miles
6.19%
63 Months
▼
APR6.19%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedApr 8, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedApr 11, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Used Auto 2011-2016
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedApr 4, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedApr 6, 2026
Details
As Low As; (7 years old or newer)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedApr 11, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
Used Vehicles
6.30%
72 Months
▼
APR6.30%
Term72 Months
Last UpdatedApr 4, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.35%
60 Months
▼
APR6.35%
Term60 Months
Last UpdatedMar 25, 2026
Details
60 months or less
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedApr 11, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
▼
APR6.49%
Termup to 84 months
Last UpdatedApr 8, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 25, 2026
Details
72 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 25, 2026
Details
84 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
New and Used Vehicles 100,000 miles to 125,000 miles
6.50%
61 - 72
▼
APR6.50%
Term61 - 72
Last UpdatedApr 8, 2026
Details
Up to 120% of Retail - see below
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 11, 2026
Details
Regular APR: 6.50% - 15.75%; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Used Automobiles (25,001 - 100,000 miles
6.69%
75 Months
▼
APR6.69%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedApr 11, 2026
Details
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.83%
Used Car
6.74%
48 Months
▼
APR6.74%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedApr 6, 2026
Details
As Low As; (8-15 years old)
APR6.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedApr 9, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Autos, Used Autos and All Others
6.85%
24 Months
▼
APR6.85%
Term24 Months
Last UpdatedApr 8, 2026
Details
As Low As; Secured
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 11, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
Used Autos
6.90%
24 - 120 Months
▼
APR6.90%
Term24 - 120 Months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Auto Loans Used Auto (4-6 years old)
6.99%
75 months
▼
APR6.99%
Term75 months
Last UpdatedApr 8, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Used Auto (4-6 years old)
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedApr 8, 2026
Details
As Low As
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Cumberland Furnace, TN Auto Loan Rate Trends
Compare local Cumberland Furnace, TN 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
5.321%
▲ 0.041 vs 7 days ago
Tennessee new auto rates rose 0.041 points over the past 7 days to 5.321% APR.
Used Auto Loan — TN Avg
6.064%
▲ 0.047 vs 7 days ago
Tennessee used auto rates rose 0.047 points over the past 7 days to 6.064% APR.
As of Apr 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Cumberland Furnace, 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 Cumberland Furnace, 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 Cumberland Furnace, 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 Cumberland Furnace, Tennessee?
Based on our current data, some of the lowest auto loan rates available in Cumberland Furnace, Tennessee include:
- Enbright Credit Union: 1.99% (New Auto)
- Orion Federal Credit Union: 3.45% (Auto Loans)
- Leaders Credit Union: 3.49% (Auto Loans)
- American Airlines Federal Credit Union: 3.74% (New Auto)
- Scenic Community Credit Union: 3.95% (New and Used Vehicles Up to 25,000 miles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cumberland Furnace, Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 12, 2026
Cumberland Furnace, Tennessee Rates & Resources
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