Huntingdon, Tennessee Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Huntingdon, Tennessee include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%, FedTrust Federal Credit UnionFedTrust Federal Credit UnionA4.9 ★Texas Ratio: 8.25% offering New and Promotional Rate Auto 2024 - 2027 Vehicles at 3.50%, Owensboro Federal Credit UnionOwensboro Federal Credit UnionA+5.0 ★Texas Ratio: 1.19% offering Auto Loan at 3.75%, United Southeast Federal Credit UnionUnited Southeast Federal Credit UnionA+5.0 ★Texas Ratio: 1.16% offering New Auto ('26 or Newer) at 3.75%, Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.45% offering Auto Loans at 3.95%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Huntingdon borrowers have access to 52 lenders serving the Tennessee area, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Huntingdon, Tennessee. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Huntingdon, Tennessee & Surrounding Area
Huntingdon Auto Loan Rates
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Model: 2026-2023; As Low As; Actual rate is determined by credit score
As Low As; Amount Down: up to 120%
As Low As; Amount Down: up to 120%
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As
As Low As
Collateral Type: New
Model: 2026-2023; As Low As; Actual rate is determined by credit score
The 84-month term is for new vehicles only.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Model: 2022-2020; As Low As; Actual rate is determined by credit score
As Low As
Up to 25,000 miles Up to 135% of Retail - see below
Mileage: Within 3 most recent model years and less than 25,000 miles
Rates as low as
Vehicle Year: 2025 & Newer
As Low As; Fixed
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As
As Low As
As Low As
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
Up to 25,000 miles Up to 135% of Retail - see below
As Low As
Model: 2026-2023; As Low As; Actual rate is determined by credit score
Model: 2022-2020; As Low As; Actual rate is determined by credit score
The 84-month term is for new vehicles only.
As Low As
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Vehicle Year: 2025 & Newer
As low as 4.74% with member discount
As low as 4.74% with member discount
As Low As; Fixed
Payment Example: $308.64 - $382.82
Model: 2022-2020; As Low As; Actual rate is determined by credit score
Model: 2019-2016; As Low As; Actual rate is determined by credit score
Payment example: $25,000 new auto loan financed for 60 months at 4.75% fixed APR = 59 payments of $470.54 and a final payment of $470.30.
As Low As
As Low As
Luxury Only
Credit Grade: 850-800
As Low As; New & Used Vehicles 2026 - 2021
Collateral Type: Used
As Low As
Mileage: Within 3 most recent model years and less than 25,000 miles
125% financing available. No minimum loan amount.
As Low As
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $10,000 loan amount and a 60-month term would be $189.03.
Minimum Loan Value: No Minimum; APR range: 4.99% - 17.39%
Vehicle Year: 2025 & Newer
Credit Grade: B 799-740
Credit Grade: 850-800
Rates as low as
Rates as low as
As Low As; Refinance your auto loan with us and don't worry about making payments in the summer!
Up to 120% Financing on Approved Credit
As Low As
Up to 25,000 miles Up to 135% of Retail - see below
As low as 4.99%
As low as
As low as
Payment Example: $310.96 - $389.68
Model Year: 2025-2026
As Low As
As Low As
As Low As
Fixed rates as low as
Fixed
Model: 2019-2016; As Low As; Actual rate is determined by credit score
As Low As
As Low As
As Low As; New & Used Vehicles 2026 - 2021
Credit Score: 850-750
As low as*
The 84-month term is for new vehicles only.
($20,000-$29,999)
125% financing available.
The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Vehicle Year: 2021-2024
As Low As
Fixed
Model: 2019-2016; As Low As; Actual rate is determined by credit score
As Low As
As Low As
Loan Amount: UP TO $90,000.00
As low as*
Model Year: 2025-2026
($20,000-$29,999)
Minimum Loan Value: No Minimum; APR range: 5.39% - 18.00%
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $10,000 loan amount and a 60-month term would be $190.91.
Vehicle Year: 2020
25,001 miles to 99,999 miles Up to 135% of Retail - see below
Mileage: 25,000 - 99,999 miles
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $15,000 loan amount and a 61-month term would be $282.97.
Minimum Loan Value: $15,000; APR range: 5.49% - 17.89%
As low as 5.49% with member discount
As Low As; Fixed
Credit Grade: B 799-740
Credit Grade: 850-800
Credit Grade: A
Up to 120% Financing on Approved Credit
As Low As; New or Used Auto
25,001 miles to 99,999 miles Up to 135% of Retail - see below
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Term: 2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts. .25% Deduction with new checking account with Direct Deposit
Luxury Only
As Low As; New & Used Vehicles 2026 - 2021
Autos and Harley Davidson Motorcycles
Credit Score: 749-700
Credit Score: 850-750
**
Model Year: 2025-2026; Denotes an auto over $40K finanaced
($20,000-$29,999)
As low as; Vehicle Type: New Autos (upcoming, current & previous vehicle model years - under 10,000 miles)
Vehicle Year: 2016-2019
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
Term: 36-84 month financing; 2013-2022 models
Minimum Loan Value: $15,000; APR range: 5.74% - 18.00%
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $15,000 loan amount and a 61-month term would be $284.74.
Effective 3/1/2026
As Low As; Fixed
Never titled-less than 15,000 miles; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Never titled-less than 15,000 miles; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As low as; Relationship pricing discounts are available on eligible auto loans requested within thirty (30) days of loan opening. Approved borrowers may qualify for a 0.25% APR reduction for each of the following activities, up to a maximum total reduction of 1.00% APR: opening an Everyday or Growth Checking account; establishing direct deposit to a new or existing Listerhill account; setting up automatic payments for a new or existing Listerhill loan; opening a Listerhill Visa Signature Rewards or Visa Platinum credit card; and/or refinancing a loan from another financial institution with Listerhill. Discounted rates will not be reduced below 6.00% APR. Existing Listerhill loans are not eligible for refinance discounts. Offer cannot be combined with any other promotion. Additional eligibility requirements and restrictions may apply. Visit listerhill.com/relationship for complete details.
As Low As; Used Auto
As Low As
As Low As
Term: 2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts. .25% Deduction with new checking account with Direct Deposit
Loan Amount: UP TO $50,000.00; Less than 10 years old
Credit Grade: A
As Low As; Used Vehicles 2024 - 2021 Limited to 72 months
As low as*
2026 OR NEWER
$25,0000; Term: >$25,0000 for 84 months; As Low As
($30,000 and above)
Up to 25,000 miles Up to 135% of Retail - see below
Mileage: 25,000 - 99,999 miles
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Has been titled or over 15,000 miles; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Has been titled or over 15,000 miles; Over 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.
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $25,000 loan amount and a 76-month term would be $397.01.
Minimum Loan Value: $25,000; APR range: 5.99% - 9.09%
Huntingdon New Auto Auto Loan Rates
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As Low As; Amount Down: up to 120%
Collateral Type: New
The 84-month term is for new vehicles only.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As
Up to 25,000 miles Up to 135% of Retail - see below
Mileage: Within 3 most recent model years and less than 25,000 miles
Rates as low as
Vehicle Year: 2025 & Newer
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As
As Low As
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
Up to 25,000 miles Up to 135% of Retail - see below
The 84-month term is for new vehicles only.
As Low As
Vehicle Year: 2025 & Newer
As low as 4.74% with member discount
Payment Example: $308.64 - $382.82
Payment example: $25,000 new auto loan financed for 60 months at 4.75% fixed APR = 59 payments of $470.54 and a final payment of $470.30.
As Low As
As Low As
Credit Grade: 850-800
As Low As; New & Used Vehicles 2026 - 2021
As Low As
Mileage: Within 3 most recent model years and less than 25,000 miles
125% financing available. No minimum loan amount.
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $10,000 loan amount and a 60-month term would be $189.03.
Minimum Loan Value: No Minimum; APR range: 4.99% - 17.39%
Vehicle Year: 2025 & Newer
Credit Grade: B 799-740
Credit Grade: 850-800
Rates as low as
Up to 120% Financing on Approved Credit
As Low As
Up to 25,000 miles Up to 135% of Retail - see below
As low as 4.99%
As low as
Model Year: 2025-2026
As Low As
As Low As
As Low As
As Low As; New & Used Vehicles 2026 - 2021
Credit Score: 850-750
The 84-month term is for new vehicles only.
($20,000-$29,999)
As Low As
As Low As
Loan Amount: UP TO $90,000.00
Model Year: 2025-2026
($20,000-$29,999)
25,001 miles to 99,999 miles Up to 135% of Retail - see below
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $15,000 loan amount and a 61-month term would be $282.97.
Minimum Loan Value: $15,000; APR range: 5.49% - 17.89%
Credit Grade: B 799-740
Credit Grade: 850-800
Up to 120% Financing on Approved Credit
As Low As; New or Used Auto
25,001 miles to 99,999 miles Up to 135% of Retail - see below
As Low As
Term: 2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts. .25% Deduction with new checking account with Direct Deposit
As Low As; New & Used Vehicles 2026 - 2021
Autos and Harley Davidson Motorcycles
Credit Score: 749-700
Credit Score: 850-750
Model Year: 2025-2026; Denotes an auto over $40K finanaced
($20,000-$29,999)
As low as; Vehicle Type: New Autos (upcoming, current & previous vehicle model years - under 10,000 miles)
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
Effective 3/1/2026
Never titled-less than 15,000 miles; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Never titled-less than 15,000 miles; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As low as; Relationship pricing discounts are available on eligible auto loans requested within thirty (30) days of loan opening. Approved borrowers may qualify for a 0.25% APR reduction for each of the following activities, up to a maximum total reduction of 1.00% APR: opening an Everyday or Growth Checking account; establishing direct deposit to a new or existing Listerhill account; setting up automatic payments for a new or existing Listerhill loan; opening a Listerhill Visa Signature Rewards or Visa Platinum credit card; and/or refinancing a loan from another financial institution with Listerhill. Discounted rates will not be reduced below 6.00% APR. Existing Listerhill loans are not eligible for refinance discounts. Offer cannot be combined with any other promotion. Additional eligibility requirements and restrictions may apply. Visit listerhill.com/relationship for complete details.
As Low As
As Low As
2026 OR NEWER
$25,0000; Term: >$25,0000 for 84 months; As Low As
($30,000 and above)
Up to 25,000 miles Up to 135% of Retail - see below
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $25,000 loan amount and a 76-month term would be $397.01.
Minimum Loan Value: $25,000; APR range: 5.99% - 9.09%
Huntingdon Used Auto Auto Loan Rates
As Low As; Amount Down: up to 120%
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
Up to 25,000 miles Up to 135% of Retail - see below
Up to 120% Financing on Approved Credit
Up to 120% Financing on Approved Credit
As Low As
Up to 25,000 miles Up to 135% of Retail - see below
As Low As
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As low as 4.74% with member discount
Luxury Only
As Low As; New & Used Vehicles 2026 - 2021
Collateral Type: Used
As Low As
Rates as low as
Up to 120% Financing on Approved Credit
Up to 25,000 miles Up to 135% of Retail - see below
As low as 4.99%
As low as
Payment Example: $310.96 - $389.68
As Low As
As Low As
As Low As; New & Used Vehicles 2026 - 2021
($20,000-$29,999)
125% financing available.
Vehicle Year: 2021-2024
($20,000-$29,999)
Minimum Loan Value: No Minimum; APR range: 5.39% - 18.00%
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $10,000 loan amount and a 60-month term would be $190.91.
Vehicle Year: 2020
25,001 miles to 99,999 miles Up to 135% of Retail - see below
Mileage: 25,000 - 99,999 miles
As low as 5.49% with member discount
Credit Grade: A
Up to 120% Financing on Approved Credit
As Low As; New or Used Auto
25,001 miles to 99,999 miles Up to 135% of Retail - see below
As Low As
As Low As
As Low As
As Low As
As Low As
Luxury Only
As Low As; New & Used Vehicles 2026 - 2021
($20,000-$29,999)
Vehicle Year: 2016-2019
Term: 36-84 month financing; 2013-2022 models
Minimum Loan Value: $15,000; APR range: 5.74% - 18.00%
Rates effective August 3, 2026. Your APR will be based on your credit score, the age and mileage of the collateral and the term of the loan. You will be informed of the APR for which you qualify before you become contractually liable for the account. Customized packages on vans and trucks (if dealer or professionally installed): New - 90% of invoice package price; Current - 1 year old - 75% of invoice package price; 2 years old - 65% of invoice package price; 3 years old - 45% of invoice package price. An auto is considered used if the mileage exceeds 7,500 or if the auto is 2 years old or older. Amount available is based on a percentage of MSRP or JD Power Retail Value, not to exceed the purchase price. Percentage is determined by credit worthiness. Financing not to exceed purchase price or payoff amount if applicable. Policies subject to change upon regulation change or Board of Directors' approval. Monthly payment on a $15,000 loan amount and a 61-month term would be $284.74.
As Low As; Used Auto
Term: 2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts. .25% Deduction with new checking account with Direct Deposit
Loan Amount: UP TO $50,000.00; Less than 10 years old
Credit Grade: A
As Low As; Used Vehicles 2024 - 2021 Limited to 72 months
($30,000 and above)
Up to 25,000 miles Up to 135% of Retail - see below
Mileage: 25,000 - 99,999 miles
Has been titled or over 15,000 miles; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Has been titled or over 15,000 miles; Over 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.
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Huntingdon, TN Auto Loan Rate Trends
Compare local Huntingdon, 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.
Tennessee new auto rates rose 0.559 points over the past 7 days to 6.929% APR.
Tennessee used auto rates rose 0.480 points over the past 7 days to 7.122% APR.
Huntingdon, TN Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Tennessee figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Tennessee APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.93% APR TN average | Used Auto @ 7.12% APR TN average | Monthly Difference |
|---|---|---|---|
| $15,000 | $296.51/mo | $297.88/mo | $1.37/mo |
| $25,000 | $494.19/mo | $496.47/mo | $2.28/mo |
| $35,000 | $691.87/mo | $695.06/mo | $3.19/mo |
| $45,000 | $889.54/mo | $893.65/mo | $4.11/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Huntingdon, Tennessee
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Huntingdon, Tennessee locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Tennessee. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Huntingdon, Tennessee high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Huntingdon, Tennessee CD rates lock in a guaranteed return until you’re ready to buy
Huntingdon, Tennessee Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $593 monthly car payment works out to roughly 20.2% of the median individual income in Huntingdon, Tennessee. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Huntingdon, Tennessee, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Huntingdon, Tennessee. We’ve prefilled the APR with today’s TN new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Huntingdon, 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 Huntingdon, 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 Huntingdon, 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 Huntingdon, Tennessee
How does my credit score affect my car loan rate in Tennessee?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Huntingdon, Tennessee?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Huntingdon, Tennessee?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- FedTrust Federal Credit Union: 3.50% (New and Promotional Rate Auto 2024 - 2027 Vehicles)
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
- United Southeast Federal Credit Union: 3.75% (New Auto ('26 or Newer))
- Orion Federal Credit Union: 3.95% (Auto Loans)
Huntingdon, Tennessee Rates & Resources
