Auto Loan Rates in Memphis, Tennessee (TN) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Memphis, Tennessee. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Memphis, Tennessee include Owensboro Federal Credit UnionOwensboro Federal Credit Union2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449A+5.0 ★Texas Ratio: 0.79% offering Auto Loan at 3.75%, Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN, 38116 1917A+5.0 ★Texas Ratio: 2.42% offering Auto Loans at 3.95%, FedTrust Federal Credit UnionFedTrust Federal Credit Union167 N Main St Ste 102, Memphis, TN, 38103 1867A5.0 ★Texas Ratio: 6.25% offering Used Auto Up to 36 Months at 4.00%, FAA Federal Credit UnionFAA Federal Credit Union7974 Centennial Dr, Memphis, TN, 38125 2376A+5.0 ★Texas Ratio: 1.87% offering 2025 & Newer Auto Loans at 4.19%, FedEx Employees Credit Association Federal Credit UnionFedEx Employees Credit Association Federal Credit Union3670 Hacks Cross Rd, Memphis, TN, 38125A5.0 ★Texas Ratio: 6.11% offering NEW Auto Loan at 4.40%.
Auto loan rates in Memphis, Tennessee are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Memphis, Tennessee. Auto Loan Rates Last Updated and Verified: March 23, 2026
Compare Auto Loan Rates Today in Memphis, Tennessee & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Auto Loans
3.95%
Max. 84 Months
▼
APR3.95%
TermMax. 84 Months
Last UpdatedMar 17, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto Up to 36 Months
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2025 & Newer Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
Loan Promotion
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Vehicle Loans
4.49%
48- 84 Months
▼
APR4.49%
Term48- 84 Months
Last UpdatedMar 22, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2025 & Newer Auto Loans
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMar 17, 2026
Details
2017-2026
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto 37 - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 18, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto 49 - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 18, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2025 & Newer Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2021-2024 Auto Loans
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMar 17, 2026
Details
2017-2026
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto Luxury Only 61 - 72 Months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 18, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2020 Auto Loans
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto Luxury Only 73 - 84 Months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2016-2019 Auto Loans
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
Classic Auto Auto Loans
5.84%
Fixed Rate
▼
APR5.84%
TermFixed Rate
Last UpdatedMar 18, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
Used Vehicle Loans
5.99%
48 - 72 Months
▼
APR5.99%
Term48 - 72 Months
Last UpdatedMar 22, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Actual rate is determined by credit score
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2011 - 2015 Older Used Auto Loans
7.09%
Fixed Rate
▼
APR7.09%
TermFixed Rate
Last UpdatedMar 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMar 20, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMar 20, 2026
Details
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
New Auto
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.45%
60 Months
▼
APR2.45%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
New Auto
2.50%
72 Months
▼
APR2.50%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
2.99%
60 Months
▼
APR2.99%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 72 months
Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Auto Loans
3.49%
96 months
▼
APR3.49%
Term96 months
Last UpdatedMar 20, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
New Auto
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 84 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 48 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 84 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedMar 20, 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%
10 Rachel Dr, Nashville, TN, 37214
New Auto 60 Months
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedMar 20, 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%
2110 W Mountcastle Dr, Johnson City, TN, 37604
New Auto Loan
4.25%
12-96
▼
APR4.25%
Term12-96
Last UpdatedMar 20, 2026
Details
As Low As; APR up to 16.25%
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 84 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.39%
63 Months
▼
APR4.39%
Term63 Months
Last UpdatedMar 22, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 17, 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%
908 Woodland St, Nashville, TN, 37206
Used Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 90% of NADA Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
New Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto 72 Months
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 16, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As; Up to 24 months
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
2110 W Mountcastle Dr, Johnson City, TN, 37604
Used Auto Loan
4.75%
12-96
▼
APR4.75%
Term12-96
Last UpdatedMar 20, 2026
Details
As Low As; APR up to 17.25%
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMar 22, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedMar 22, 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%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMar 22, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto's
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; up to 60 months
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
4.99%
Up To 60 Months
▼
APR4.99%
TermUp To 60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As; 24 months
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 100% of Retail
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedMar 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2016-2017
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2018- 2019
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2020 - 2025 (on purchased vehicles)
4.99%
66*
▼
APR4.99%
Term66*
Last UpdatedMar 20, 2026
Details
Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
164 N Henderson Ave Ste B, Sevierville, TN, 37862
Auto Loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMar 21, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 72 months
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto 84 Months
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMar 21, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
5.10%
64 - 75
▼
APR5.10%
Term64 - 75
Last UpdatedMar 20, 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%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
5.19%
63 Months
▼
APR5.19%
Term63 Months
Last UpdatedMar 17, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 17, 2026
Details
60 months or less
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 18, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN, 37921 6750
New Auto (2020 - 2026)
5.25%
0 to 48 months
▼
APR5.25%
Term0 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN, 37921 6750
Used Auto (2013-2019)
5.25%
0 to 36 months
▼
APR5.25%
Term0 to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedMar 18, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 17, 2026
Details
60 months or less
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedMar 22, 2026
Details
Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
601 Elk Ave, Elizabethton, TN, 37643
Vehicle Loans
5.39%
84 Months
▼
APR5.39%
Term84 Months
Last UpdatedMar 18, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedMar 16, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
5.49%
Up To 60
▼
APR5.49%
TermUp To 60
Last UpdatedMar 16, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 16, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 16, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 36 months
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
New Auto Loan
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2024 to 2026
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN, 37921 6750
New Auto (2020 - 2026)
5.50%
61 to 72 months
▼
APR5.50%
Term61 to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
New Auto/Truck
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 21, 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%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 17, 2026
Details
72 months
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
5.55%
5 Years
▼
APR5.55%
Term5 Years
Last UpdatedMar 18, 2026
Details
125% financing available. No minimum loan amount.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedMar 20, 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%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 17, 2026
Details
72 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
5.69%
76 - 84
▼
APR5.69%
Term76 - 84
Last UpdatedMar 22, 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%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van
5.70%
36-84
▼
APR5.70%
Term36-84
Last UpdatedMar 21, 2026
Details
2013-2022 models
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 13, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedMar 16, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN, 37912
New Vehicles
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
New Auto Loan
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2020 to 2023
5.74%
Up to 60 Months
▼
APR5.74%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2024 to 2026
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New autos 2021-2026
5.75%
24 months
▼
APR5.75%
Term24 months
Last UpdatedMar 17, 2026
Details
As Low As
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Autos
5.75%
24 - 120 Months
▼
APR5.75%
Term24 - 120 Months
Last UpdatedMar 18, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMar 21, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 21, 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
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.80%
10 Years
▼
APR5.80%
Term10 Years
Last UpdatedMar 18, 2026
Details
125% financing available.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedMar 22, 2026
Details
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
627 Livingston Rd, Crossville, TN, 38555
Auto Loan
5.89%
0 - 60
▼
APR5.89%
Term0 - 60
Last UpdatedMar 22, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 100,000 miles to 125,000 miles
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedMar 16, 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%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 13, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
5.99%
61 - 75
▼
APR5.99%
Term61 - 75
Last UpdatedMar 16, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedMar 16, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; 72 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 36 months
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedMar 17, 2026
Details
As Low As
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.83%
2120 Polymer Dr, Chattanooga, TN, 37421 2207
New Car
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedMar 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Older Vehicles (2011-2016)
5.99%
up to 48 months
▼
APR5.99%
Termup to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
New Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2020 to 2023
5.99%
Up to 72 Months
▼
APR5.99%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2024 to 2026
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedMar 23, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN, 37921 6750
Used Auto (2013-2019)
6.00%
37 to 48 months
▼
APR6.00%
Term37 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedMar 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Classic Pre-owned Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 100,000 miles to 125,000 miles
6.00%
49 - 60
▼
APR6.00%
Term49 - 60
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 125,001 miles to 150,000 miles
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedMar 21, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMar 21, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedMar 18, 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%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 125,001 miles to 150,000 miles
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
6.19%
63 Months
▼
APR6.19%
Term63 Months
Last UpdatedMar 17, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMar 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedMar 16, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Auto Loans Previous 3 Years and up - More Than 30,000 miles
6.24%
66 Months
▼
APR6.24%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 months
▼
APR6.24%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2025 & Newer Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
Loan Promotion
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Vehicle Loans
4.49%
48- 84 Months
▼
APR4.49%
Term48- 84 Months
Last UpdatedMar 22, 2026
Details
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2025 & Newer Auto Loans
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMar 17, 2026
Details
2017-2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2025 & Newer Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMar 17, 2026
Details
2017-2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMar 20, 2026
Details
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
New Auto
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
New Auto
2.50%
72 Months
▼
APR2.50%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
New Auto
3.75%
84 Months
▼
APR3.75%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 84 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedMar 20, 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%
10 Rachel Dr, Nashville, TN, 37214
New Auto 60 Months
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedMar 20, 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%
2110 W Mountcastle Dr, Johnson City, TN, 37604
New Auto Loan
4.25%
12-96
▼
APR4.25%
Term12-96
Last UpdatedMar 20, 2026
Details
As Low As; APR up to 16.25%
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.39%
63 Months
▼
APR4.39%
Term63 Months
Last UpdatedMar 22, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 17, 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%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
New Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto 72 Months
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 20, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMar 16, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As; Up to 24 months
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMar 22, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedMar 22, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto's
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; up to 60 months
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
4.99%
Up To 60 Months
▼
APR4.99%
TermUp To 60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 100% of Retail
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedMar 18, 2026
Details
As Low As
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto 84 Months
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMar 21, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
5.10%
64 - 75
▼
APR5.10%
Term64 - 75
Last UpdatedMar 20, 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%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedMar 20, 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%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
5.19%
63 Months
▼
APR5.19%
Term63 Months
Last UpdatedMar 17, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 17, 2026
Details
60 months or less
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 18, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN, 37921 6750
New Auto (2020 - 2026)
5.25%
0 to 48 months
▼
APR5.25%
Term0 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedMar 16, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 16, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 36 months
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
New Auto Loan
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN, 37921 6750
New Auto (2020 - 2026)
5.50%
61 to 72 months
▼
APR5.50%
Term61 to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
New Auto/Truck
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 21, 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%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 17, 2026
Details
72 months
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
5.55%
5 Years
▼
APR5.55%
Term5 Years
Last UpdatedMar 18, 2026
Details
125% financing available. No minimum loan amount.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedMar 20, 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%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
5.69%
76 - 84
▼
APR5.69%
Term76 - 84
Last UpdatedMar 22, 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)
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedMar 16, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 Months
▼
APR5.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedMar 17, 2026
Details
As Low As
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN, 37912
New Vehicles
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
New Auto Loan
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New autos 2021-2026
5.75%
24 months
▼
APR5.75%
Term24 months
Last UpdatedMar 17, 2026
Details
As Low As
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Autos
5.75%
24 - 120 Months
▼
APR5.75%
Term24 - 120 Months
Last UpdatedMar 18, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 100,000 miles to 125,000 miles
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedMar 16, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; 72 months
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedMar 17, 2026
Details
As Low As
BASF Chattanooga Federal Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.83%
2120 Polymer Dr, Chattanooga, TN, 37421 2207
New Car
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedMar 18, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
New Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedMar 23, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedMar 20, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 100,000 miles to 125,000 miles
6.00%
49 - 60
▼
APR6.00%
Term49 - 60
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 125,001 miles to 150,000 miles
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMar 21, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 125,001 miles to 150,000 miles
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
Auto Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMar 17, 2026
Details
As Low As
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
6.24%
75 months
▼
APR6.24%
Term75 months
Last UpdatedMar 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto Up to 36 Months
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMar 17, 2026
Details
2017-2026
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto 37 - 48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 18, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto 49 - 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMar 17, 2026
Details
2017-2026
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto Luxury Only 61 - 72 Months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 18, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto Luxury Only 73 - 84 Months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2026
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
Used Vehicle Loans
5.99%
48 - 72 Months
▼
APR5.99%
Term48 - 72 Months
Last UpdatedMar 22, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr, Memphis, TN, 38125 2376
2011 - 2015 Older Used Auto Loans
7.09%
Fixed Rate
▼
APR7.09%
TermFixed Rate
Last UpdatedMar 18, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMar 20, 2026
Details
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
1.99%
36 Months
▼
APR1.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.45%
60 Months
▼
APR2.45%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
2.99%
60 Months
▼
APR2.99%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 72 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 48 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
3.99%
84 Months
▼
APR3.99%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As; for 84 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedMar 20, 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%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 60 months
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
4.25%
84 Months
▼
APR4.25%
Term84 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 84 months
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Used Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; 90% of NADA Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
2110 W Mountcastle Dr, Johnson City, TN, 37604
Used Auto Loan
4.75%
12-96
▼
APR4.75%
Term12-96
Last UpdatedMar 20, 2026
Details
As Low As; APR up to 17.25%
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMar 22, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto's
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; up to 60 months
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As; 24 months
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedMar 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2016-2017
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2018- 2019
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 20, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2020 - 2025 (on purchased vehicles)
4.99%
66*
▼
APR4.99%
Term66*
Last UpdatedMar 20, 2026
Details
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As; up to 72 months
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
5.10%
64 - 75
▼
APR5.10%
Term64 - 75
Last UpdatedMar 20, 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%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN, 37921 6750
Used Auto (2013-2019)
5.25%
0 to 36 months
▼
APR5.25%
Term0 to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedMar 18, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 17, 2026
Details
60 months or less
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedMar 22, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
5.49%
Up To 60
▼
APR5.49%
TermUp To 60
Last UpdatedMar 16, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 16, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2024 to 2026
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 17, 2026
Details
72 months
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van
5.70%
36-84
▼
APR5.70%
Term36-84
Last UpdatedMar 21, 2026
Details
2013-2022 models
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2020 to 2023
5.74%
Up to 60 Months
▼
APR5.74%
TermUp to 60 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2024 to 2026
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMar 21, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 21, 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
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.80%
10 Years
▼
APR5.80%
Term10 Years
Last UpdatedMar 18, 2026
Details
125% financing available.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedMar 22, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 100,000 miles to 125,000 miles
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedMar 16, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
5.99%
61 - 75
▼
APR5.99%
Term61 - 75
Last UpdatedMar 16, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; 36 months
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedMar 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedMar 18, 2026
Details
As Low As
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2020 to 2023
5.99%
Up to 72 Months
▼
APR5.99%
TermUp to 72 Months
Last UpdatedMar 23, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN, 37040 1620
Used Autos 2024 to 2026
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedMar 23, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN, 37921 6750
Used Auto (2013-2019)
6.00%
37 to 48 months
▼
APR6.00%
Term37 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Classic Pre-owned Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; See Note 1
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 100,000 miles to 125,000 miles
6.00%
49 - 60
▼
APR6.00%
Term49 - 60
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 125,001 miles to 150,000 miles
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 25,001 miles to 99,999 miles
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedMar 18, 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%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles 125,001 miles to 150,000 miles
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedMar 20, 2026
Details
As Low As; Up to 120% of Retail - see below
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
6.19%
63 Months
▼
APR6.19%
Term63 Months
Last UpdatedMar 17, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMar 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedMar 16, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
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Frequently Asked Questions about Auto Loans in Memphis, 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 Memphis, 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 Memphis, 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 Memphis, Tennessee?
Based on our current data, some of the lowest auto loan rates available in Memphis, Tennessee include:
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
- Orion Federal Credit Union: 3.95% (Auto Loans)
- FedTrust Federal Credit Union: 4.00% (Used Auto Up to 36 Months)
- FAA Federal Credit Union: 4.19% (2025 & Newer Auto Loans)
- FedEx Employees Credit Association Federal Credit Union: 4.40% (NEW Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Memphis, Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 23, 2026
