Auto Loan Rates in Macon, Tennessee (TN) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Macon, Tennessee include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.33% offering Auto Loans at 3.45%, Owensboro Federal Credit UnionOwensboro Federal Credit UnionA+5.0 ★Texas Ratio: 0.78% offering Auto Loan at 3.75%, Memphis City Employees Credit UnionMemphis City Employees Credit UnionA+5.0 ★Texas Ratio: 1.64% offering New & Used Auto at 3.99%, Leaders Credit UnionLeaders Credit UnionA+5.0 ★Texas Ratio: 4.57% offering Auto Loans at 3.99%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Macon borrowers have access to 33 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 — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Macon, Tennessee. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Macon, Tennessee & Surrounding Area
Macon Auto Loan Rates
As low as
As Low As; Starting at
As Low As; Actual rate is determined by credit score
As low as
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As Low As
As Low As; Actual rate is determined by credit score
As low as
As Low As; Up to 120% Financing on Approved Credit
As Low As; Actual rate is determined by credit score
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
As Low As
As Low As; Up to 120% Financing on Approved Credit
As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As Low As
As Low As
As Low As
As Low As; Actual rate is determined by credit score
As Low As; Summer Auto Refinance
As Low As; *
As low as
As Low As; New Auto
As Low As; up to 120%
As Low As
As Low As; Actual rate is determined by credit score
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
As Low As; up to 120%
125% financing available. No minimum loan amount.
As Low As
As Low As
As Low As; Refinance your auto loan with us and don't worry about making payments in the summer!
As Low As; Up to 120% Financing on Approved Credit
As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.
As Low As
As Low As
As Low As; Actual rate is determined by credit score
125% financing available.
As Low As
As Low As; Actual rate is determined by credit score
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As Low As; New Auto
As Low As; New Auto
As Low As; New Auto
As Low As; Up to 120% Financing on Approved Credit
Credit qualifications may apply.
Fixed
As Low As
As Low As; under 10,000 miles
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
2013-2022 models
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Fixed
As Low As
($30,000 and above)
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As; New Auto
As Low As; Used Auto
As Low As; Used Auto
As Low As; Used Auto
As Low As; Fixed
As Low As
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As
As Low As
As Low As
As Low As; Actual rate is determined by credit score
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
100% financing available. See loan department for models over 20 years and for classic cars.
As Low As; Offer valid on applications now through June 30 when funded on or before June 30. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
$25,0000; As Low As; Used Auto
As Low As
As Low As
As Low As; 7 years old or newer
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
($20,000 and above)
As Low As; Offer valid on applications now through June 30 when funded on or before June 30. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Auto over $40K financed
As Low As; Actual rate is determined by credit score
Fixed
As Low As; Used Auto
As Low As; 8-15 years old
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
As Low As; *
As Low As; Fixed
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As
As Low As
Auto over $50K financed
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As
$25,0000; As Low As; Classic / Older Used Auto
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
As Low As; 25 years and older
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
As Low As; Classic / Older Used Auto
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
As low as
As low as; Maximum Amount up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
As low as; Maximum Amount up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
As low as
Macon New Auto Auto Loan Rates
As low as
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As low as
As Low As; Up to 120% Financing on Approved Credit
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
As Low As
As Low As; Up to 120% Financing on Approved Credit
As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As Low As
As Low As
As Low As; Summer Auto Refinance
As Low As; *
As Low As; New Auto
As Low As; up to 120%
As Low As
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
125% financing available. No minimum loan amount.
As Low As
As Low As; Up to 120% Financing on Approved Credit
As Low As
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As Low As; New Auto
As Low As; New Auto
As Low As; New Auto
As Low As; Up to 120% Financing on Approved Credit
As Low As
As Low As; under 10,000 miles
For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. Proof of insurance is required with $1,000 deductible standard.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
($30,000 and above)
As Low As; New Auto
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As
As Low As
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
$25,0000; As Low As; Used Auto
As Low As
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Auto over $40K financed
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As
Auto over $50K financed
As low as; Maximum Amount up to 120% of MSRP or NADA retail including tax, tag, doc fees, warranty, and GAP
Macon Used Auto Auto Loan Rates
As low as
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As Low As
As low as
As Low As; up to 120%
As Low As
As Low As; Up to 120% Financing on Approved Credit
As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.
As Low As
125% financing available.
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
As Low As; Up to 120% Financing on Approved Credit
2013-2022 models
As Low As
($30,000 and above)
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As; Used Auto
As Low As; Used Auto
As Low As; Used Auto
As Low As
100% financing available. See loan department for models over 20 years and for classic cars.
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
$25,0000; As Low As; Used Auto
As Low As
As Low As; 7 years old or newer
($20,000 and above)
As Low As; Used Auto
As Low As; 8-15 years old
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
As Low As; *
As Low As
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old Up to 48 months - over $10,000 or less than 5 years old Up to 36 months - over 5 years old. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
As Low As
$25,0000; As Low As; Classic / Older Used Auto
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
As Low As; Classic / Older Used Auto
As low as; Maximum Amount up to 120% of NADA retail including tax, tag, doc fees, warranty, and GAP
As low as
As low as; Maximum Amount up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
As low as; Maximum Amount up to 100% of NADA retail including tax, tag, doc fees, warranty, and GAP
As low as
Macon, TN Auto Loan Rate Trends
Compare local Macon, 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 0.126 points over the past 7 days to 5.342% APR.
Tennessee used auto rates fell 0.007 points over the past 7 days to 6.048% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Macon, 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 Macon, 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 Macon, 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 Macon, 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?
What are the best Auto Loan rates in Macon, Tennessee?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Orion Federal Credit Union: 3.45% (Auto Loans)
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
- Memphis City Employees Credit Union: 3.99% (New & Used Auto)
- Leaders Credit Union: 3.99% (Auto Loans)
