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Memphis, Tennessee Best Auto Loan Rates - August 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
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.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: August 28, 2026

Current auto loan rates in Memphis, Tennessee include FedTrust Federal Credit UnionFedTrust Federal Credit Union167 N Main St Ste 102, Memphis, TN, 38103 1867A5.0 ★Texas Ratio: 5.92% offering New and Promotional Rate Auto 2024 - 2027 Vehicles at 3.50%, Owensboro Federal Credit UnionOwensboro Federal Credit Union2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449A+5.0 ★Texas Ratio: 0.78% offering Auto Loan at 3.75%, Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN, 38116 1917A+5.0 ★Texas Ratio: 2.33% offering Auto Loans at 3.95%, FAA Federal Credit UnionFAA Federal Credit Union7974 Centennial Dr, Memphis, TN, 38125 2376A+5.0 ★Texas Ratio: 1.82% offering Auto Loans at 4.19%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, TN, 38134 3169A+5.0 ★Texas Ratio: 1.51% offering New and Used Autos at 4.24%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.

Memphis has 11 local institutions in our database, with auto loan rates as low as 3.50% APR from FedTrust Federal Credit Union at 167 N Main St Ste 102, Memphis, TN, 38103 1867. 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: August 28, 2026

Compare Auto Loan Rates Today in Memphis, Tennessee & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Memphis Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
3.50%
Up to 36 Months
View
▼
APR3.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Up to 36 Months
3.50%
Up to 36 Months
View
▼
APR3.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
3.75%
48 MONTHS
View
▼
APR3.75%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Auto Loans
3.95%
Max. 84 Months
View
▼
APR3.95%
TermMax. 84 Months
Last UpdatedAug 28, 2026
Details

As Low As; Starting at

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.00%
60 MONTHS
View
▼
APR4.00%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
4.00%
37 - 48 Months
View
▼
APR4.00%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
4.19%
36 Months
View
▼
APR4.19%
Term36 Months
Last UpdatedAug 28, 2026
Details

Vehicle Year: 2025 & Newer

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.25%
48 MONTHS
View
▼
APR4.25%
Term48 MONTHS
Last UpdatedAug 28, 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: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
4.40%
Up to 36 months
View
▼
APR4.40%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Rates as low as

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedAug 28, 2026
Details

Vehicle Year: 2025 & Newer

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loan
4.49%
up to 84 months
View
▼
APR4.49%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Up to a 1% reduction on the current financed vehicle interest rate. This promotion does not apply to Older Auto Loans. Rate will not go below 4.49% on terms up to 84-months. Members must provide the original dealer documentation and/or a current loan statement to support the rate being reduced and term being matched. Loan terms will be up to the remaining term of the existing loan, with a maximum term of 84-months. Promotion may be discontinued at any time. This promotion cannot be used on existing UPSECU loans.

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1814 E Brooks Rd, Memphis, TN, 38116
New Vehicle Loans
4.49%
48- 84 Months
View
▼
APR4.49%
Term48- 84 Months
Last UpdatedAug 28, 2026
Details

Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.50%
72 MONTHS
View
▼
APR4.50%
Term72 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - 37 - 48 Months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - 49 - 60 Months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedAug 28, 2026
Details

Vehicle Year: 2025 & Newer

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.75%
72 MONTHS
View
▼
APR4.75%
Term72 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Luxury Only 61 - 72 Months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Luxury Only

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Vehicle Year: 2025 & Newer

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
4.99%
37 - 60 months
View
▼
APR4.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details

Rates as low as

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Rates as low as

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
5.00%
60 MONTHS
View
▼
APR5.00%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
5.19%
60 Months
View
▼
APR5.19%
Term60 Months
Last UpdatedAug 28, 2026
Details

Vehicle Year: 2021-2024

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
5.25%
66 MONTHS
View
▼
APR5.25%
Term66 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedAug 28, 2026
Details

Vehicle Year: 2020

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
5.49%
24 Months
View
▼
APR5.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Luxury Only 73 - 84 Months
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedAug 28, 2026
Details

Luxury Only

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
5.59%
36 Months
View
▼
APR5.59%
Term36 Months
Last UpdatedAug 28, 2026
Details

Vehicle Year: 2016-2019

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedAug 28, 2026
Details

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
5.84%
Fixed Rate
View
▼
APR5.84%
TermFixed Rate
Last UpdatedAug 28, 2026
Details

Product: Classic Auto

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
557 S Highland St, Memphis, TN, 38111
New car purchase Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
557 S Highland St, Memphis, TN, 38111
New car rate Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
557 S Highland St, Memphis, TN, 38111
Used car purchase Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
557 S Highland St, Memphis, TN, 38111
Used car rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
5.99%
61 - 72 months
View
▼
APR5.99%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Rates as low as

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
5.99%
37 - 60 months
View
▼
APR5.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details

Rates as low as

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1814 E Brooks Rd, Memphis, TN, 38116
Used Vehicle Loans
5.99%
48 - 72 Months
View
▼
APR5.99%
Term48 - 72 Months
Last UpdatedAug 28, 2026
Details

Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
6.00%
84 MONTHS
View
▼
APR6.00%
Term84 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
6.49%
24 Months
View
▼
APR6.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
6.49%
60 Months
View
▼
APR6.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 61-72 Months
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
6.50%
60 MONTHS
View
▼
APR6.50%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details

As Low As; Actual rate is determined by credit score

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 61-72 Months
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 73-84 Months
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
6.99%
73 - 84 months
View
▼
APR6.99%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Rates as low as

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
6.99%
61 - 72 months
View
▼
APR6.99%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Rates as low as

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loans
7.09%
Fixed Rate
View
▼
APR7.09%
TermFixed Rate
Last UpdatedAug 28, 2026
Details

Vehicle Year: 2011 - 2015 Older Used

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
7.24%
73 - 84 months
View
▼
APR7.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Rates as low as

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 73-84 Months
7.49%
84 Months
View
▼
APR7.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
7.49%
24 Months
View
▼
APR7.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
7.49%
60 Months
View
▼
APR7.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 61-72 Months
7.49%
72 Months
View
▼
APR7.49%
Term72 Months
Last UpdatedAug 28, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 61-72 Months
7.99%
72 Months
View
▼
APR7.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 73-84 Months
7.99%
84 Months
View
▼
APR7.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
8.49%
48 Months
View
▼
APR8.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 73-84 Months
8.49%
84 Months
View
▼
APR8.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
8.99%
60 Months
View
▼
APR8.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
9.49%
48 Months
View
▼
APR9.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 61-72 Months
9.99%
72 Months
View
▼
APR9.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
9.99%
60 Months
View
▼
APR9.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
10.49%
24 Months
View
▼
APR10.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 73-84 Months
10.99%
84 Months
View
▼
APR10.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 61-72 Months
10.99%
72 Months
View
▼
APR10.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
11.49%
36 Months
View
▼
APR11.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
11.49%
24 Months
View
▼
APR11.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 73-84 Months
11.99%
84 Months
View
▼
APR11.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
12.49%
48 Months
View
▼
APR12.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
12.49%
36 Months
View
▼
APR12.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
12.99%
60 Months
View
▼
APR12.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 61-72 Months
13.49%
72 Months
View
▼
APR13.49%
Term72 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
13.49%
48 Months
View
▼
APR13.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
13.99%
60 Months
View
▼
APR13.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 61-72 Months
14.49%
72 Months
View
▼
APR14.49%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
14.99%
24 Months
View
▼
APR14.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 579-300

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
15.49%
36 Months
View
▼
APR15.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 579-300

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
15.75%
Up to 35 Months
View
▼
APR15.75%
TermUp to 35 Months
Last UpdatedAug 28, 2026
Details

As Low As; 4.25% - 15.75%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
15.99%
48 Months
View
▼
APR15.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 579-300

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
15.99%
24 Months
View
▼
APR15.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
16.25%
36 - 59 Months
View
▼
APR16.25%
Term36 - 59 Months
Last UpdatedAug 28, 2026
Details

As Low As; 4.75% - 16.25%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
16.49%
60 Months
View
▼
APR16.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 579-300

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
16.49%
36 Months
View
▼
APR16.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
16.75%
60 - 83 Months
View
▼
APR16.75%
Term60 - 83 Months
Last UpdatedAug 28, 2026
Details

As Low As; 5.25% - 16.75%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
16.99%
48 Months
View
▼
APR16.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
17.25%
84 Months
View
▼
APR17.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As; 5.75% - 17.25%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
17.49%
60 Months
View
▼
APR17.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto ('26 or Newer)
3.75%
36-84 months
View
▼
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 120%

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto (2017-2025)
3.75%
36-84 months
View
▼
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 120%

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Auto Loans
3.99%
96 months
View
▼
APR3.99%
Term96 months
Last UpdatedAug 28, 2026
Details

As Low As

Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
New Auto
3.99%
12-96 months
View
▼
APR3.99%
Term12-96 months
Last UpdatedAug 28, 2026
Details

Collateral Type: New

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
Vehicles up to 25,000 miles Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - Up to 24 months
4.25%
Up to 24 months
View
▼
APR4.25%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.39%
63 months or less
View
▼
APR4.39%
Term63 months or less
Last UpdatedAug 28, 2026
Details

Mileage: Within 3 most recent model years and less than 25,000 miles

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.39%
48 mo. or less
View
▼
APR4.39%
Term48 mo. or less
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Vehicle Loan
4.49%
up to 72 mos.
View
▼
APR4.49%
Termup to 72 mos.
Last UpdatedAug 28, 2026
Details

As Low As; Fixed

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
New Autos
4.49%
84 months
View
▼
APR4.49%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Auto (90% of Retail)
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Semi-New Auto (90% of Retail, 501 - 15,000 Miles)
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto (90% of NADA Retail)
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.49%
49 - 63 mo.
View
▼
APR4.49%
Term49 - 63 mo.
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto - 24 months
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedAug 28, 2026
Details

As Low As

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
Vehicles up to 25,000 miles Loan
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos
4.59%
60 months
View
▼
APR4.59%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; No Payment for 90 Days!

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
View
▼
APR4.59%
Term3-7 year term
Last UpdatedAug 28, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
View
▼
APR4.59%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
New Vehicles Loan
4.74%
36 M
View
▼
APR4.74%
Term36 M
Last UpdatedAug 28, 2026
Details

As low as 4.74% with member discount

Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used Vehicles Loan
4.74%
36 M
View
▼
APR4.74%
Term36 M
Last UpdatedAug 28, 2026
Details

As low as 4.74% with member discount

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Vehicle Loan
4.74%
73 to 84 mos.
View
▼
APR4.74%
Term73 to 84 mos.
Last UpdatedAug 28, 2026
Details

As Low As; Fixed

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedAug 28, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto
4.74%
36 - 120 months
View
▼
APR4.74%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
4.75%
60 Month
View
▼
APR4.75%
Term60 Month
Last UpdatedAug 28, 2026
Details

As Low As

Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
Used Auto
4.75%
12-96 months
View
▼
APR4.75%
Term12-96 months
Last UpdatedAug 28, 2026
Details

Collateral Type: Used

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.75%
Up to 36 Months
View
▼
APR4.75%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
New Auto
4.75%
Fixed
View
▼
APR4.75%
TermFixed
Last UpdatedAug 28, 2026
Details

As Low As;*

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
New Autos
4.75%
24 - 120 Months
View
▼
APR4.75%
Term24 - 120 Months
Last UpdatedAug 28, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedAug 28, 2026
Details

Mileage: Within 3 most recent model years and less than 25,000 miles

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
View
▼
APR4.90%
Term5 Years
Last UpdatedAug 28, 2026
Details

125% financing available. No minimum loan amount.

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Used Auto
4.90%
Fixed
View
▼
APR4.90%
TermFixed
Last UpdatedAug 28, 2026
Details

As Low As;*

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Used Autos
4.90%
24 - 120 Months
View
▼
APR4.90%
Term24 - 120 Months
Last UpdatedAug 28, 2026
Details

As Low As

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
4.99%
Up To 60 Months
View
▼
APR4.99%
TermUp To 60 Months
Last UpdatedAug 28, 2026
Details

Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.99%
78 months
View
▼
APR4.99%
Term78 months
Last UpdatedAug 28, 2026
Details

As Low As; Refinance your auto loan with us and don't worry about making payments in the summer!

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
Used Autos
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Auto (100% of Retail)
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.99%
64 - 75 mo.
View
▼
APR4.99%
Term64 - 75 mo.
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's up to 60 months
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Auto
4.99%
2023-2026
View
▼
APR4.99%
Term2023-2026
Last UpdatedAug 28, 2026
Details

New Auto

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
4.99%
2021-2026
View
▼
APR4.99%
Term2021-2026
Last UpdatedAug 28, 2026
Details

Used Auto

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.99%
36 - 120 months
View
▼
APR4.99%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

New Auto (2025-2026)

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - 36 months
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - 48 months
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - 60 months
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
Autos 2026 & older
5.00%
Up to 36 months
View
▼
APR5.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Fixed

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Car Loan
5.00%
60 Month
View
▼
APR5.00%
Term60 Month
Last UpdatedAug 28, 2026
Details

As Low As

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Vehicles (Cars, Trucks, Boats, RV's) 60 months, up to 15,000 miles Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-750

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
Vehicles from 25,000 to 100,000 miles Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

As low as*

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Other Vehicle Loans - 1st Term New
5.00%
1st Term
View
▼
APR5.00%
Term1st Term
Last UpdatedAug 28, 2026
Details

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.00%
48 mos.
View
▼
APR5.00%
Term48 mos.
Last UpdatedAug 28, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
View
▼
APR5.15%
Term10 Years
Last UpdatedAug 28, 2026
Details

125% financing available.

City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
Auto Loans (36mo)
5.15%
36 months
View
▼
APR5.15%
Term36 months
Last UpdatedAug 28, 2026
Details

Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
Auto Loan
5.24%
36 months*
View
▼
APR5.24%
Term36 months*
Last UpdatedAug 28, 2026
Details

First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New Auto
5.24%
0 to 48 months
View
▼
APR5.24%
Term0 to 48 months
Last UpdatedAug 28, 2026
Details

As low as. Rates increase by 1% for automobiles over 100,000 miles.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
Autos 2026 & older
5.25%
Up to 84 months
View
▼
APR5.25%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Fixed

Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
Vehicle Loan
5.25%
Up to 84 Months
View
▼
APR5.25%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
Vehicles from 25,000 to 100,000 miles Loan
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

As low as*

First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Used Auto
5.25%
0 to 36 months
View
▼
APR5.25%
Term0 to 36 months
Last UpdatedAug 28, 2026
Details

As low as. Rates increase by 1% for automobiles over 100,000 miles.

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

New Auto (2025-2026)

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.25%
60 mos.
View
▼
APR5.25%
Term60 mos.
Last UpdatedAug 28, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
View
▼
APR5.39%
Term63 months or less
Last UpdatedAug 28, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
5.39%
Up To 60 Months
View
▼
APR5.39%
TermUp To 60 Months
Last UpdatedAug 28, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.39%
48 mo. or less
View
▼
APR5.39%
Term48 mo. or less
Last UpdatedAug 28, 2026
Details

25,001 miles to 99,999 miles Up to 135% of Retail - see below

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
5.49%
61 - 75 Months
View
▼
APR5.49%
Term61 - 75 Months
Last UpdatedAug 28, 2026
Details

Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used Auto Older
5.49%
36 M
View
▼
APR5.49%
Term36 M
Last UpdatedAug 28, 2026
Details

As low as 5.49% with member discount

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Vehicle Loan
5.49%
up to 72 mos.
View
▼
APR5.49%
Termup to 72 mos.
Last UpdatedAug 28, 2026
Details

As Low As; Fixed

The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
2021 - Current New or Used Auto
5.49%
63 months
View
▼
APR5.49%
Term63 months
Last UpdatedAug 28, 2026
Details

The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Auto Loans
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedAug 28, 2026
Details

Payment example: $ 10,000 borrowed at 5.49% APR for 60 months = $190.97/month.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.49%
49 - 63 mo.
View
▼
APR5.49%
Term49 - 63 mo.
Last UpdatedAug 28, 2026
Details

25,001 miles to 99,999 miles Up to 135% of Retail - see below

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedAug 28, 2026
Details

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - 72 months
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto - 36 months
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto - 48 months
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto - 60 months
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
5.50%
72 Month
View
▼
APR5.50%
Term72 Month
Last UpdatedAug 28, 2026
Details

As Low As

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Vehicles (Cars, Trucks, Boats, RV's) 60 months, up to 15,000 miles Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedAug 28, 2026
Details

Credit Score: 749-700

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Vehicles (Cars, Trucks, Boats, RV's) 72 months, up to 15,000 miles Loan
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-750

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
Vehicles up to 25,000 miles Loan
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
5.50%
Up to 84 months
View
▼
APR5.50%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

New Auto (2025-2026); * Denotes an auto over $40K finanaced

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.50%
72 mos.
View
▼
APR5.50%
Term72 mos.
Last UpdatedAug 28, 2026
Details

($20,000-$29,999)

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Autos
5.55%
6 - 84 months
View
▼
APR5.55%
Term6 - 84 months
Last UpdatedAug 28, 2026
Details

As low as; under 10,000 miles

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedAug 28, 2026
Details

Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)

Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van Loan
5.70%
36-84 month financing
View
▼
APR5.70%
Term36-84 month financing
Last UpdatedAug 28, 2026
Details

2013-2022 models

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
5.74%
61 - 75 Months
View
▼
APR5.74%
Term61 - 75 Months
Last UpdatedAug 28, 2026
Details

Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New Vehicles Loan
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedAug 28, 2026
Details

Effective 3/1/2026

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
Vehicle Loan
5.74%
73 to 84 mos.
View
▼
APR5.74%
Term73 to 84 mos.
Last UpdatedAug 28, 2026
Details

As Low As; Fixed

Memphis New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
3.50%
Up to 36 Months
View
▼
APR3.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
4.00%
37 - 48 Months
View
▼
APR4.00%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
4.40%
Up to 36 months
View
▼
APR4.40%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Rates as low as

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loan
4.49%
up to 84 months
View
▼
APR4.49%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

Up to a 1% reduction on the current financed vehicle interest rate. This promotion does not apply to Older Auto Loans. Rate will not go below 4.49% on terms up to 84-months. Members must provide the original dealer documentation and/or a current loan statement to support the rate being reduced and term being matched. Loan terms will be up to the remaining term of the existing loan, with a maximum term of 84-months. Promotion may be discontinued at any time. This promotion cannot be used on existing UPSECU loans.

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1814 E Brooks Rd, Memphis, TN, 38116
New Vehicle Loans
4.49%
48- 84 Months
View
▼
APR4.49%
Term48- 84 Months
Last UpdatedAug 28, 2026
Details

Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
4.99%
37 - 60 months
View
▼
APR4.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details

Rates as low as

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
557 S Highland St, Memphis, TN, 38111
New car purchase Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
557 S Highland St, Memphis, TN, 38111
New car rate Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
5.99%
61 - 72 months
View
▼
APR5.99%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Rates as low as

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
6.49%
24 Months
View
▼
APR6.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
6.49%
60 Months
View
▼
APR6.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 61-72 Months
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
6.99%
36 Months
View
▼
APR6.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 61-72 Months
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 73-84 Months
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-800

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
NEW Auto Loan
6.99%
73 - 84 months
View
▼
APR6.99%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Rates as low as

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 73-84 Months
7.49%
84 Months
View
▼
APR7.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 799-740

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
8.49%
48 Months
View
▼
APR8.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
8.99%
60 Months
View
▼
APR8.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 61-72 Months
9.99%
72 Months
View
▼
APR9.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
10.49%
24 Months
View
▼
APR10.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 73-84 Months
10.99%
84 Months
View
▼
APR10.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 739-670

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
11.49%
36 Months
View
▼
APR11.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
12.49%
48 Months
View
▼
APR12.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
12.99%
60 Months
View
▼
APR12.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 61-72 Months
13.49%
72 Months
View
▼
APR13.49%
Term72 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 669-580

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 0-24 Months
14.99%
24 Months
View
▼
APR14.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 579-300

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 25-36 Months
15.49%
36 Months
View
▼
APR15.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 579-300

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
15.75%
Up to 35 Months
View
▼
APR15.75%
TermUp to 35 Months
Last UpdatedAug 28, 2026
Details

As Low As; 4.25% - 15.75%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 37-48 Months
15.99%
48 Months
View
▼
APR15.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 579-300

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
16.25%
36 - 59 Months
View
▼
APR16.25%
Term36 - 59 Months
Last UpdatedAug 28, 2026
Details

As Low As; 4.75% - 16.25%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
New Vehicle Loans 49-60 Months
16.49%
60 Months
View
▼
APR16.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

Credit Score: 579-300

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
16.75%
60 - 83 Months
View
▼
APR16.75%
Term60 - 83 Months
Last UpdatedAug 28, 2026
Details

As Low As; 5.25% - 16.75%

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
17.25%
84 Months
View
▼
APR17.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As; 5.75% - 17.25%

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Auto ('26 or Newer)
3.75%
36-84 months
View
▼
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 120%

Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
New Auto
3.99%
12-96 months
View
▼
APR3.99%
Term12-96 months
Last UpdatedAug 28, 2026
Details

Collateral Type: New

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - Up to 24 months
4.25%
Up to 24 months
View
▼
APR4.25%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.39%
63 months or less
View
▼
APR4.39%
Term63 months or less
Last UpdatedAug 28, 2026
Details

Mileage: Within 3 most recent model years and less than 25,000 miles

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.39%
48 mo. or less
View
▼
APR4.39%
Term48 mo. or less
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
New Autos
4.49%
84 months
View
▼
APR4.49%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Auto (90% of Retail)
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Semi-New Auto (90% of Retail, 501 - 15,000 Miles)
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.49%
49 - 63 mo.
View
▼
APR4.49%
Term49 - 63 mo.
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos
4.59%
60 months
View
▼
APR4.59%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; No Payment for 90 Days!

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
View
▼
APR4.59%
Term3-7 year term
Last UpdatedAug 28, 2026
Details

As Low As

Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
New Vehicles Loan
4.74%
36 M
View
▼
APR4.74%
Term36 M
Last UpdatedAug 28, 2026
Details

As low as 4.74% with member discount

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
4.74%
72 months
View
▼
APR4.74%
Term72 months
Last UpdatedAug 28, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto
4.74%
36 - 120 months
View
▼
APR4.74%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
4.75%
60 Month
View
▼
APR4.75%
Term60 Month
Last UpdatedAug 28, 2026
Details

As Low As

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
4.75%
Up to 36 Months
View
▼
APR4.75%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
New Auto
4.75%
Fixed
View
▼
APR4.75%
TermFixed
Last UpdatedAug 28, 2026
Details

As Low As;*

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
New Autos
4.75%
24 - 120 Months
View
▼
APR4.75%
Term24 - 120 Months
Last UpdatedAug 28, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedAug 28, 2026
Details

Mileage: Within 3 most recent model years and less than 25,000 miles

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
View
▼
APR4.90%
Term5 Years
Last UpdatedAug 28, 2026
Details

125% financing available. No minimum loan amount.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
4.99%
Up To 60 Months
View
▼
APR4.99%
TermUp To 60 Months
Last UpdatedAug 28, 2026
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
New Auto (100% of Retail)
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.99%
64 - 75 mo.
View
▼
APR4.99%
Term64 - 75 mo.
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's up to 60 months
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
New Auto
4.99%
2023-2026
View
▼
APR4.99%
Term2023-2026
Last UpdatedAug 28, 2026
Details

New Auto

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

New Auto (2025-2026)

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - 36 months
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - 48 months
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - 60 months
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Vehicles (Cars, Trucks, Boats, RV's) 60 months, up to 15,000 miles Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-750

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Other Vehicle Loans - 1st Term New
5.00%
1st Term
View
▼
APR5.00%
Term1st Term
Last UpdatedAug 28, 2026
Details

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.00%
48 mos.
View
▼
APR5.00%
Term48 mos.
Last UpdatedAug 28, 2026
Details

First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
New Auto
5.24%
0 to 48 months
View
▼
APR5.24%
Term0 to 48 months
Last UpdatedAug 28, 2026
Details

As low as. Rates increase by 1% for automobiles over 100,000 miles.

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle Loan
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

New Auto (2025-2026)

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.25%
60 mos.
View
▼
APR5.25%
Term60 mos.
Last UpdatedAug 28, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.39%
48 mo. or less
View
▼
APR5.39%
Term48 mo. or less
Last UpdatedAug 28, 2026
Details

25,001 miles to 99,999 miles Up to 135% of Retail - see below

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New Vehicle Loan
5.49%
61 - 75 Months
View
▼
APR5.49%
Term61 - 75 Months
Last UpdatedAug 28, 2026
Details

The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
2021 - Current New or Used Auto
5.49%
63 months
View
▼
APR5.49%
Term63 months
Last UpdatedAug 28, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.49%
49 - 63 mo.
View
▼
APR5.49%
Term49 - 63 mo.
Last UpdatedAug 28, 2026
Details

25,001 miles to 99,999 miles Up to 135% of Retail - see below

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
New Cars, Trucks, and Vans Loan
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedAug 28, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New Auto - 72 months
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Car Loan
5.50%
72 Month
View
▼
APR5.50%
Term72 Month
Last UpdatedAug 28, 2026
Details

As Low As

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Vehicles (Cars, Trucks, Boats, RV's) 60 months, up to 15,000 miles Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedAug 28, 2026
Details

Credit Score: 749-700

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
New Vehicles (Cars, Trucks, Boats, RV's) 72 months, up to 15,000 miles Loan
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedAug 28, 2026
Details

Credit Score: 850-750

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
New Auto
5.50%
Up to 84 months
View
▼
APR5.50%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

New Auto (2025-2026); * Denotes an auto over $40K finanaced

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.50%
72 mos.
View
▼
APR5.50%
Term72 mos.
Last UpdatedAug 28, 2026
Details

($20,000-$29,999)

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
New Autos
5.55%
6 - 84 months
View
▼
APR5.55%
Term6 - 84 months
Last UpdatedAug 28, 2026
Details

As low as; under 10,000 miles

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
New Cars & Trucks Loan
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedAug 28, 2026
Details

Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)

Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.04%
New Vehicles Loan
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedAug 28, 2026
Details

Effective 3/1/2026

Memphis Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Up to 36 Months
3.50%
Up to 36 Months
View
▼
APR3.50%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - 37 - 48 Months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - 49 - 60 Months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Luxury Only 61 - 72 Months
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Luxury Only

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Rates as low as

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
5.49%
24 Months
View
▼
APR5.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Luxury Only 73 - 84 Months
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedAug 28, 2026
Details

Luxury Only

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
557 S Highland St, Memphis, TN, 38111
Used car purchase Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
557 S Highland St, Memphis, TN, 38111
Used car rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
5.99%
37 - 60 months
View
▼
APR5.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details

Rates as low as

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1814 E Brooks Rd, Memphis, TN, 38116
Used Vehicle Loans
5.99%
48 - 72 Months
View
▼
APR5.99%
Term48 - 72 Months
Last UpdatedAug 28, 2026
Details

Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
6.99%
60 Months
View
▼
APR6.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
6.99%
61 - 72 months
View
▼
APR6.99%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details

Rates as low as

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
3670 Hacks Cross Rd, Memphis, TN, 38125
USED Auto Loan
7.24%
73 - 84 months
View
▼
APR7.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

Rates as low as

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
7.49%
24 Months
View
▼
APR7.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
7.49%
60 Months
View
▼
APR7.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 61-72 Months
7.49%
72 Months
View
▼
APR7.49%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 61-72 Months
7.99%
72 Months
View
▼
APR7.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 73-84 Months
7.99%
84 Months
View
▼
APR7.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 73-84 Months
8.49%
84 Months
View
▼
APR8.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
9.49%
48 Months
View
▼
APR9.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
9.99%
60 Months
View
▼
APR9.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 61-72 Months
10.99%
72 Months
View
▼
APR10.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
11.49%
24 Months
View
▼
APR11.49%
Term24 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 73-84 Months
11.99%
84 Months
View
▼
APR11.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
12.49%
36 Months
View
▼
APR12.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
13.49%
48 Months
View
▼
APR13.49%
Term48 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
13.99%
60 Months
View
▼
APR13.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 61-72 Months
14.49%
72 Months
View
▼
APR14.49%
Term72 Months
Last UpdatedAug 28, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
15.75%
Up to 35 Months
View
▼
APR15.75%
TermUp to 35 Months
Last UpdatedAug 28, 2026
Details

As Low As; 4.25% - 15.75%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 0-24 Months
15.99%
24 Months
View
▼
APR15.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
16.25%
36 - 59 Months
View
▼
APR16.25%
Term36 - 59 Months
Last UpdatedAug 28, 2026
Details

As Low As; 4.75% - 16.25%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 25-36 Months
16.49%
36 Months
View
▼
APR16.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
16.75%
60 - 83 Months
View
▼
APR16.75%
Term60 - 83 Months
Last UpdatedAug 28, 2026
Details

As Low As; 5.25% - 16.75%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 37-48 Months
16.99%
48 Months
View
▼
APR16.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
17.25%
84 Months
View
▼
APR17.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As; 5.75% - 17.25%

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1265 Union Ave, Memphis, TN, 38104 3415
Used Vehicle Loans 49-60 Months
17.49%
60 Months
View
▼
APR17.49%
Term60 Months
Last UpdatedAug 28, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Auto (2017-2025)
3.75%
36-84 months
View
▼
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 120%

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.39%
48 mo. or less
View
▼
APR4.39%
Term48 mo. or less
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Auto (90% of NADA Retail)
4.49%
Up to 84 Months
View
▼
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.49%
49 - 63 mo.
View
▼
APR4.49%
Term49 - 63 mo.
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto - 24 months
4.49%
24 months
View
▼
APR4.49%
Term24 months
Last UpdatedAug 28, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
View
▼
APR4.59%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used Vehicles Loan
4.74%
36 M
View
▼
APR4.74%
Term36 M
Last UpdatedAug 28, 2026
Details

As low as 4.74% with member discount

Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
Used Auto
4.75%
12-96 months
View
▼
APR4.75%
Term12-96 months
Last UpdatedAug 28, 2026
Details

Collateral Type: Used

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Used Auto
4.90%
Fixed
View
▼
APR4.90%
TermFixed
Last UpdatedAug 28, 2026
Details

As Low As;*

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Used Autos
4.90%
24 - 120 Months
View
▼
APR4.90%
Term24 - 120 Months
Last UpdatedAug 28, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
Used Autos
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As; Motorized Vehicle Loan rates displayed include a 0.50% rate discount for having an automatic payment from a Patriot Equity Credit Union checking account.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
4.99%
64 - 75 mo.
View
▼
APR4.99%
Term64 - 75 mo.
Last UpdatedAug 28, 2026
Details

Up to 25,000 miles Up to 135% of Retail - see below

PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto's up to 60 months
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
4.99%
36 months
View
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Used Auto
4.99%
2021-2026
View
▼
APR4.99%
Term2021-2026
Last UpdatedAug 28, 2026
Details

Used Auto

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
Used Auto
4.99%
36 - 120 months
View
▼
APR4.99%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Car Loan
5.00%
60 Month
View
▼
APR5.00%
Term60 Month
Last UpdatedAug 28, 2026
Details

As Low As

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.00%
48 mos.
View
▼
APR5.00%
Term48 mos.
Last UpdatedAug 28, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
View
▼
APR5.15%
Term10 Years
Last UpdatedAug 28, 2026
Details

125% financing available.

First Choice Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Used Auto
5.25%
0 to 36 months
View
▼
APR5.25%
Term0 to 36 months
Last UpdatedAug 28, 2026
Details

As low as. Rates increase by 1% for automobiles over 100,000 miles.

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.25%
60 mos.
View
▼
APR5.25%
Term60 mos.
Last UpdatedAug 28, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
Used Cars & Trucks (25,000 - 99,999 miles) Loan
5.39%
63 months or less
View
▼
APR5.39%
Term63 months or less
Last UpdatedAug 28, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
5.39%
Up To 60 Months
View
▼
APR5.39%
TermUp To 60 Months
Last UpdatedAug 28, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.39%
48 mo. or less
View
▼
APR5.39%
Term48 mo. or less
Last UpdatedAug 28, 2026
Details

25,001 miles to 99,999 miles Up to 135% of Retail - see below

Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.91%
Used Auto Older
5.49%
36 M
View
▼
APR5.49%
Term36 M
Last UpdatedAug 28, 2026
Details

As low as 5.49% with member discount

The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
2021 - Current New or Used Auto
5.49%
63 months
View
▼
APR5.49%
Term63 months
Last UpdatedAug 28, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
New and Used Vehicles Loan
5.49%
49 - 63 mo.
View
▼
APR5.49%
Term49 - 63 mo.
Last UpdatedAug 28, 2026
Details

25,001 miles to 99,999 miles Up to 135% of Retail - see below

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto - 36 months
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto - 48 months
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
Used Auto - 60 months
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 6.31%
New or Used Auto
5.50%
72 mos.
View
▼
APR5.50%
Term72 mos.
Last UpdatedAug 28, 2026
Details

($20,000-$29,999)

Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van Loan
5.70%
36-84 month financing
View
▼
APR5.70%
Term36-84 month financing
Last UpdatedAug 28, 2026
Details

2013-2022 models

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Used Vehicle Loan
5.74%
61 - 75 Months
View
▼
APR5.74%
Term61 - 75 Months
Last UpdatedAug 28, 2026
Details

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.

View Full Tennessee Auto Trends →
New Auto Loan — TN Avg
6.360%
▼ 0.335 vs 7 days ago

Tennessee new auto rates fell 0.335 points over the past 7 days to 6.360% APR.

Used Auto Loan — TN Avg
6.911%
▼ 0.047 vs 7 days ago

Tennessee used auto rates fell 0.047 points over the past 7 days to 6.911% APR.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Tennessee APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.

Loan Amount New Auto @ 6.36% APR
TN average		 Used Auto @ 6.91% APR
TN average		 Monthly Difference
$15,000 $292.51/mo $296.39/mo $3.88/mo
$25,000 $487.52/mo $493.98/mo $6.46/mo
$35,000 $682.53/mo $691.58/mo $9.05/mo
$45,000 $877.54/mo $889.17/mo $11.63/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

About Our Memphis, Tennessee Auto Loan Rate Database

47 Local Lenders Tracked Banks & Credit Unions Updated Daily

Our Memphis, Tennessee auto loan tables currently track 47 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.

The lowest verified auto loan APR in our Memphis, Tennessee database right now is 3.34% APR from American Airlines Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.

How to Get the Best Auto Loan Rate in Memphis, Tennessee

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Memphis, Tennessee locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Tennessee. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Memphis, Tennessee Financial Snapshot

Local demographics and economic context for car buyers — Source: U.S. Census Bureau

$36,624
Median Individual Earnings
National avg: $47,340
8.3%
Unemployment Rate
National avg: 4.8%
23.1%
Poverty Rate
National avg: 11.1%
$585/mo
Payment on a $30K / 60-mo Loan
At TN new-auto avg 6.36% APR

A $585 monthly car payment works out to roughly 19.2% of the median individual income in Memphis, Tennessee. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Memphis, Tennessee — but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies — can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Memphis, Tennessee. We’ve prefilled the APR with today’s TN new-auto average — or click any current rate on the right to apply it instantly.

$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Memphis, Tennessee auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Memphis, Tennessee directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Memphis, Tennessee. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TN.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in 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.

Should I get preapproved for an auto loan before visiting a dealer in Memphis, Tennessee?

Yes. A preapproval from a bank or credit union serving Memphis, Tennessee gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Memphis, Tennessee can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

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:
  • FedTrust Federal Credit Union: 3.50% (New and Promotional Rate Auto 2024 - 2027 Vehicles)
  • Owensboro Federal Credit Union: 3.75% (Auto Loan)
  • Orion Federal Credit Union: 3.95% (Auto Loans)
  • FAA Federal Credit Union: 4.19% (Auto Loans)
  • Firefighters First Federal Credit Union: 4.24% (New and Used Autos)
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: August 28, 2026

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