Auto Loan Rates in Memphis, Tennessee (TN) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in 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 Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN, 38116 1917A+5.0 ★Texas Ratio: 2.42% offering Auto Loan at 3.45%, Memphis City Employees Credit UnionMemphis City Employees Credit Union2608 Avery Ave, Memphis, TN, 38112 4821A+5.0 ★Texas Ratio: 1.83% offering New & Used Auto at 3.99%, LG&W Federal Credit UnionLG&W Federal Credit Union1616 Whitten Rd, Memphis, TN, 38134A+5.0 ★Texas Ratio: 0.44% offering New and Used Auto Loans 2017-2026 at 4.25%, 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%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, TN, 38134 3169A+5.0 ★Texas Ratio: 1.58% offering Auto Loans at 4.49%. Auto loan rates as of May 7, 2026 according to verified data from MonitorBankRates.
Memphis has 6 local institutions in our database, with auto loan rates as low as 3.45% APR from Orion Federal Credit Union at 3155 Millbranch Rd, Memphis, TN, 38116 1917. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Memphis, Tennessee. Auto Loan Rates Last Updated and Verified: May 7, 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
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Auto Loan
3.45%
Max. 84 Months
▼
APR3.45%
TermMax. 84 Months
Last UpdatedMay 2, 2026
Details
Starting at 3.45%
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
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 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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
Auto Loans
4.49%
24 Mos.
▼
APR4.49%
Term24 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.49%
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Auto Loans
4.74%
48 Mos.
▼
APR4.74%
Term48 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.74%
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 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 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
Auto Loans
5.24%
72 Mos.
▼
APR5.24%
Term72 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 5.24%
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 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 6, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Auto Loans
5.74%
84 Mos.
▼
APR5.74%
Term84 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 5.74%
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 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 7, 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
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 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 UpdatedMay 2, 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 UpdatedMay 2, 2026
Details
Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Auto Loans
3.49%
96 months
▼
APR3.49%
Term96 months
Last UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
New Autos
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedMay 2, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Semi-New Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of Retail, 501 - 15,000 Miles
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Used Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of NADA Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedMay 6, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMay 6, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.75%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 24 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMay 6, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedMay 6, 2026
Details
125% financing available. No minimum loan amount.
Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
Used Autos
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 2, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
100% of Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New Auto Loan Rate Special 2021-2026
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: direct deposit or automatic payment; Limited-Time New Auto Loan Rate Special 2021-2026; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; 24 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMay 2, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedApr 19, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedMay 6, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedMay 6, 2026
Details
125% financing available.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
Auto Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedMay 6, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New Auto Loan Rate Special 2021-2026
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
Limited-Time New Auto Loan Rate Special 2021-2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedApr 19, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedMay 6, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New Auto Loan Rate Special 2021-2026
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: direct deposit or automatic payment; Limited-Time New Auto Loan Rate Special 2021-2026; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details
As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedMay 6, 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)1
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van
5.70%
36-84
▼
APR5.70%
Term36-84
Last UpdatedMay 6, 2026
Details
As Low As; 2013-2022 models
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedMay 6, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New Auto Loan Rate Special 2021-2026
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedMay 2, 2026
Details
Limited-Time New Auto Loan Rate Special 2021-2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
0 - 5 Years Old
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMay 2, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Older Vehicles (2011-2016)
5.99%
up to 48 months
▼
APR5.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Autos
6.00%
up to 36 mos
▼
APR6.00%
Termup to 36 mos
Last UpdatedMay 2, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMay 2, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedMay 6, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.10%
60 Months
▼
APR6.10%
Term60 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedApr 19, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMay 6, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details
As Low As; (7 years old or newer)
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
0 - 5 Years Old
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedMay 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans 2022
6.49%
63 Months
▼
APR6.49%
Term63 Months
Last UpdatedMay 6, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
▼
APR6.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.50%
Up to 84 months
▼
APR6.50%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
* Denotes an auto over $40K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedMay 2, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedMay 6, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans 2020
6.75%
63 Months
▼
APR6.75%
Term63 Months
Last UpdatedMay 6, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedMay 7, 2026
Details
As Low As; (8-15 years old)
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedMay 2, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Used Autos
6.85%
up to 48 mos
▼
APR6.85%
Termup to 48 mos
Last UpdatedMay 2, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loan
6.99%
24 Months
▼
APR6.99%
Term24 Months
Last UpdatedMay 7, 2026
Details
Up tp 100% MSRP
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Older Vehicles (2011-2016)
6.99%
up to 60 months
▼
APR6.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
7.00%
Up to 96 months
▼
APR7.00%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details
** Denotes an auto over $50K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedMay 2, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
7.24%
Up to 84 mos.
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2017 & Older
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedApr 19, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loan
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
Up tp 100% MSRP
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2017 & Older
7.60%
60 Months
▼
APR7.60%
Term60 Months
Last UpdatedApr 19, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Classic Autos
7.75%
6 - 84 months
▼
APR7.75%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details
As Low As; (25 years and older)
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loan
7.99%
24 Months
▼
APR7.99%
Term24 Months
Last UpdatedMay 7, 2026
Details
Up tp 100% NADA
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 36 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
8.10%
36 Months
▼
APR8.10%
Term36 Months
Last UpdatedApr 19, 2026
Details
6 Years & OLDER (Up to 100 % of NADA Retail Value)
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loan
8.29%
48 Months
▼
APR8.29%
Term48 Months
Last UpdatedMay 7, 2026
Details
Up tp 100% NADA
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loan
8.49%
60 Months
▼
APR8.49%
Term60 Months
Last UpdatedMay 7, 2026
Details
Up tp 100% NADA
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
Auto Loan
9.49%
72 Months
▼
APR9.49%
Term72 Months
Last UpdatedMay 7, 2026
Details
Up tp 100% NADA
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
14.75%
36 Months
▼
APR14.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van
16.84%
36-84
▼
APR16.84%
Term36-84
Last UpdatedMay 6, 2026
Details
2013-2022 models
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
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 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
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 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 6, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
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 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
New Autos
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedMay 2, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Semi-New Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of Retail, 501 - 15,000 Miles
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedMay 6, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMay 6, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.75%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 24 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedMay 6, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedMay 6, 2026
Details
125% financing available. No minimum loan amount.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
100% of Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New Auto Loan Rate Special 2021-2026
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: direct deposit or automatic payment; Limited-Time New Auto Loan Rate Special 2021-2026; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMay 2, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedMay 6, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New Auto Loan Rate Special 2021-2026
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
Limited-Time New Auto Loan Rate Special 2021-2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New Auto Loan Rate Special 2021-2026
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: direct deposit or automatic payment; Limited-Time New Auto Loan Rate Special 2021-2026; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details
As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Cars & Trucks
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedMay 6, 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)1
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedMay 6, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New Auto Loan Rate Special 2021-2026
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedMay 2, 2026
Details
Limited-Time New Auto Loan Rate Special 2021-2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
New Autos
6.00%
up to 36 mos
▼
APR6.00%
Termup to 36 mos
Last UpdatedMay 2, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMay 2, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedApr 19, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMay 6, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.50%
Up to 84 months
▼
APR6.50%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
* Denotes an auto over $40K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedMay 2, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
7.00%
Up to 96 months
▼
APR7.00%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details
** Denotes an auto over $50K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
14.75%
36 Months
▼
APR14.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
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 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 6, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
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 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 6, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
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 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 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
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 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 UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Used Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of NADA Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMay 6, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
Used Autos
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 2, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; 24 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedApr 19, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedMay 6, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedMay 6, 2026
Details
125% financing available.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedApr 19, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedMay 6, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van
5.70%
36-84
▼
APR5.70%
Term36-84
Last UpdatedMay 6, 2026
Details
As Low As; 2013-2022 models
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
0 - 5 Years Old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMay 2, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedMay 6, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.10%
60 Months
▼
APR6.10%
Term60 Months
Last UpdatedApr 19, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details
As Low As; (7 years old or newer)
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
0 - 5 Years Old
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedMay 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
▼
APR6.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedMay 6, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedMay 7, 2026
Details
As Low As; (8-15 years old)
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedMay 2, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Used Autos
6.85%
up to 48 mos
▼
APR6.85%
Termup to 48 mos
Last UpdatedMay 2, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedMay 2, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
7.24%
Up to 84 mos.
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedMay 7, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2017 & Older
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2017 & Older
7.60%
60 Months
▼
APR7.60%
Term60 Months
Last UpdatedApr 19, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 36 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
8.10%
36 Months
▼
APR8.10%
Term36 Months
Last UpdatedApr 19, 2026
Details
6 Years & OLDER (Up to 100 % of NADA Retail Value)
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van
16.84%
36-84
▼
APR16.84%
Term36-84
Last UpdatedMay 6, 2026
Details
2013-2022 models
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MonitorBankRates
Memphis, TN Auto Loan Rate Trends
Compare local Memphis, TN auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TN Avg
5.306%
▼ 0.175 vs 7 days ago
Tennessee new auto rates fell 0.175 points over the past 7 days to 5.306% APR.
Used Auto Loan — TN Avg
5.893%
▼ 0.062 vs 7 days ago
Tennessee used auto rates fell 0.062 points over the past 7 days to 5.893% APR.
As of May 8, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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:
- Orion Federal Credit Union: 3.45% (Auto Loan)
- Memphis City Employees Credit Union: 3.99% (New & Used Auto)
- LG&W Federal Credit Union: 4.25% (New and Used Auto Loans 2017-2026)
- FedEx Employees Credit Association Federal Credit Union: 4.40% (NEW Auto Loan)
- Firefighters First Federal Credit Union: 4.49% (Auto Loans)
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: May 7, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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