Virginia Best Auto Loan Rates - August 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Virginia include Norfolk Fire Department Federal Credit UnionNorfolk Fire Department Federal Credit Union4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331A+5.0 ★Texas Ratio: 0.73% offering New Auto Loan at 2.99%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit Union1638 Mount Athos Rd, Lynchburg, VA, 24504 5429A5.0 ★Texas Ratio: 7.87% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit Union1675 Virginia Ave, Harrisonburg, VA, 22802A+5.0 ★Texas Ratio: 0.50% offering New Auto Loan at 3.24%, Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit Union50 W Commerce Rd, Richmond, VA, 23224 2316A+5.0 ★Texas Ratio: 0.92% offering New and Used Vehicles - up to 60 months Loan at 3.49%, Credit Union of RichmondCredit Union of Richmond1601 Ownby Ln, Richmond, VA, 23220A+5.0 ★Texas Ratio: 0.59% offering New Auto Purchase (Never Titled) 0-48 Months at 3.49%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Virginia side-by-side. Virginia auto loan rates currently start as low as 2.99% APR from Norfolk Fire Department Federal Credit Union at 4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Virginia. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Virginia
Virginia Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
New Auto Loan
2.99%
48 MONTHS
▼
APR2.99%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
2.99%
Up to 36 months
▼
APR2.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
2.99%
Up to 36 months
▼
APR2.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; 2020-2025
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
3.24%
0-36 months
▼
APR3.24%
Term0-36 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025 and newer
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - up to 60 months Loan
3.49%
up to 60 months
▼
APR3.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled) 0-48 Months
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
NEW AUTOS - Model Years 2026 or newer
3.50%
up to 36 months
▼
APR3.50%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS - Model Years 2026 - 2024
3.50%
up to 36 months
▼
APR3.50%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
3.50%
36-60 Months
▼
APR3.50%
Term36-60 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles Loan
3.74%
Up to 60 Months
▼
APR3.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate Loan
3.74%
Up to 60 Months
▼
APR3.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
Used Auto Loan
3.74%
0-36 months
▼
APR3.74%
Term0-36 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019-2024
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled) 49-60 Months
3.74%
60 Months
▼
APR3.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - 72 months Loan
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedAug 28, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
2555 Lee Highway, Bristol, VA, 24201 1625
New Auto ('26 or Newer)
3.75%
36-84 months
▼
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%
2555 Lee Highway, Bristol, VA, 24201 1625
Used Auto (2017-2025)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 120%
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
New Auto Loan
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as** 3.99%***; Maximum: $75,000
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As*
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
New Auto
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Vehicle Loan
3.99%
up to 48 months
▼
APR3.99%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
New Car Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; Minimum of $1,000 loan
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
New Vehicles Loan
3.99%
36 mos
▼
APR3.99%
Term36 mos
Last UpdatedAug 28, 2026
Details
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
4605 Commerce Rd, Richmond, VA, 23234 2233
New Car Loans: 2022 - Newer Model Years
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedAug 28, 2026
Details
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025 and newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as; 2020-2025
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.62%
5875 Trinity Pkwy Ste 111, Centreville, VA, 20120
Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedAug 28, 2026
Details
AS LOW AS; Rates as of 08/01/2026
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
140 Lucy Ln, Waynesboro, VA, 22980
New Vehicles/Motorcycles Loan
3.99%
0 - 36 Months
▼
APR3.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details
Max. APR 12.49%
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
140 Lucy Ln, Waynesboro, VA, 22980
Used Vehicles/Motorcycles Loan
3.99%
0 - 36 Months
▼
APR3.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details
Max. APR 12.49%
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New and Used Auto Loans
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As; APR up to 15.00%
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New/ Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older Loan
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedAug 28, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Vehicle Loan (2026 Vehicles)
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedAug 28, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
100% financing
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
4.14%
Up to 36 months
▼
APR4.14%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Auto Loans
4.14%
36 Months
▼
APR4.14%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Sample Monthly Payment for $20,000: $592; Minimum Loan Amount: No Minimum
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.20%
Up to 36 months
▼
APR4.20%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
100% Financing
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle Loan
4.20%
12 - 96 mos
▼
APR4.20%
Term12 - 96 mos
Last UpdatedAug 28, 2026
Details
SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedAug 28, 2026
Details
Est. Monthly Payment (per $1,000 Financed) $29.61
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.24%
Up to 60 months
▼
APR4.24%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as** 4.24%***; Maximum: $75,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
New Auto
4.24%
up to 36 months
▼
APR4.24%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedAug 28, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.24%
37 to 48 Months
▼
APR4.24%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Member One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
6103 Fulk Dr Ste C, Fairlawn, VA, 24141 9005
Car Loan
4.24%
48 month
▼
APR4.24%
Term48 month
Last UpdatedAug 28, 2026
Details
Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Congressional Federal Car Buying Service powered by TrueCar Loan
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Used Car Loan
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; - Minimum of $1,000 loan
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
4605 Commerce Rd, Richmond, VA, 23234 2233
New Car Loans: 2022 - Newer Model Years
4.24%
61 - 72 Months
▼
APR4.24%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.24%
12-36 months
▼
APR4.24%
Term12-36 months
Last UpdatedAug 28, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.24%
12-36 months
▼
APR4.24%
Term12-36 months
Last UpdatedAug 28, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled) 61-66 Months
4.24%
66 Months
▼
APR4.24%
Term66 Months
Last UpdatedAug 28, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Vehicle Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedAug 28, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Vehicle Loan
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Vehicle Loan
4.25%
Up to 48 months
▼
APR4.25%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As; Fixed
Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
3176 Fort Ave, Lynchburg, VA, 24501
New Auto
4.25%
24 - 108 months
▼
APR4.25%
Term24 - 108 months
Last UpdatedAug 28, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
100% financing
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedAug 28, 2026
Details
As Low As*
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older Loan
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedAug 28, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Vehicle Loan (2026 Vehicles)
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedAug 28, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.40%
Up to 48 months
▼
APR4.40%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
6103 Fulk Dr Ste C, Fairlawn, VA, 24141 9005
Car Loan
4.44%
66 month
▼
APR4.44%
Term66 month
Last UpdatedAug 28, 2026
Details
Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as** 4.49%***; Maximum: $75,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
New Auto
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.49%
49 to 60 Months
▼
APR4.49%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Homebase Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.95%
4495 Crossings Blvd, Prince George, VA, 23875
Vehicle Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
New & Used/ Refinance (from other lender)
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
Used Auto Loan
4.49%
37-48 months
▼
APR4.49%
Term37-48 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019-2024
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
13075 Worldgate Dr, Herndon, VA, 20170 4374
New Auto
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
3401 Boisseau St, South Chesterfield, VA, 23803 2021
New Vehicles & Motorcycles Model Year 2021-2025 Loan
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedAug 28, 2026
Details
100% financing
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
New Auto Loan
4.50%
Up to 84 Months
▼
APR4.50%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedAug 28, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
4.54%
2025 Mo
▼
APR4.54%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Auto Loans
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Sample Monthly Payment for $20,000: $456; Minimum Loan Amount: $10,000
SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedAug 28, 2026
Details
Est. Monthly Payment (per $1,000 Financed) $22.83
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
4.64%
2025 Mo
▼
APR4.64%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Auto Loans
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; Sample Monthly Payment for $20,000: $374; Minimum Loan Amount: $10,000
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
1130 W Broad St, Falls Church, VA, 22046 2114
Auto Loan
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Loan Amount: $5,000-$125,000
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Auto Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details
As Low As; Payment Example per $1,000 Borrowed: $43.81
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedAug 28, 2026
Details
Loan Amount: $2,500+
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
140 Lucy Ln, Waynesboro, VA, 22980
New Vehicles/Motorcycles Loan
4.69%
37 - 48 Months
▼
APR4.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details
Max. APR 13.19%
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
140 Lucy Ln, Waynesboro, VA, 22980
Used Vehicles/Motorcycles Loan
4.69%
37 - 48 Months
▼
APR4.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details
Max. APR 13.19%
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto
4.70%
Up to 36 months
▼
APR4.70%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Up to 5 Years Old
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As low as** 4.74%***; Maximum: $75,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
New Auto
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto - up to 36 months
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.74%
37 to 48 Months
▼
APR4.74%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles Loan
4.74%
61 to 72 Months
▼
APR4.74%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate Loan
4.74%
61 to 72 Months
▼
APR4.74%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Used Auto Loans
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
4605 Commerce Rd, Richmond, VA, 23234 2233
New Car Loans: 2022 - Newer Model Years
4.74%
73 - 84 Months
▼
APR4.74%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
4605 Commerce Rd, Richmond, VA, 23234 2233
Used Car Loans: 2017 - 2021 Model Years
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.74%
49-63 months
▼
APR4.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.74%
49-63 months
▼
APR4.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
4.74%
49-60 months
▼
APR4.74%
Term49-60 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025 and newer
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled) 67-72 Months
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
265 Jones St, Gate City, VA, 24251
New Auto
4.74%
36 - 120 months
▼
APR4.74%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
Used Vehicles Loan
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedAug 28, 2026
Details
Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
3176 Fort Ave, Lynchburg, VA, 24501
Used Auto
4.75%
24 - 96 months
▼
APR4.75%
Term24 - 96 months
Last UpdatedAug 28, 2026
Details
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
NEW AUTOS - Model Years 2026 or newer
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS - Model Year 2023 - 2022
4.75%
up to 48 months
▼
APR4.75%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS - Model Years 2026 - 2024
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
100% financing
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New & Used Vehicle Loan
4.75%
6 Years
▼
APR4.75%
Term6 Years
Last UpdatedAug 28, 2026
Details
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Est. Monthly Payment (per $1,000 Financed) $29.72
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.79%
61-72 months
▼
APR4.79%
Term61-72 months
Last UpdatedAug 28, 2026
Details
As Low As*
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedAug 28, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Vehicle Loan (2026 Vehicles)
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedAug 28, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
4.80%
2025 Mo
▼
APR4.80%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Auto Loans
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; Sample Monthly Payment for $20,000: $320; Minimum Loan Amount: $20,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.84%
48 months
▼
APR4.84%
Term48 months
Last UpdatedAug 28, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
6103 Fulk Dr Ste C, Fairlawn, VA, 24141 9005
Car Loan
4.84%
72 month
▼
APR4.84%
Term72 month
Last UpdatedAug 28, 2026
Details
Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
New Car Loan
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details
As low as; Minimum of $1,000 loan
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.85%
36 months
▼
APR4.85%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedAug 28, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Auto Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Payment Example per $1,000 Borrowed: $29.98
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedAug 28, 2026
Details
Loan Amount: $2,500+
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.90%
Up to 72 months
▼
APR4.90%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Maximum Amount $100,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto
4.90%
Up to 48 months
▼
APR4.90%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Up to 5 Years Old
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedAug 28, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as** 4.99%***; Maximum: $75,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
New Auto
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $15,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto - up to 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As*
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - 84 months Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
New Auto Loan
4.99%
60 MONTHS
▼
APR4.99%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA, 24502
Vehicle Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New Automobile greater than
4.99%
60 - 84 months
▼
APR4.99%
Term60 - 84 months
Last UpdatedAug 28, 2026
Details
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Car Loans 2025
4.99%
up to 36 mos
▼
APR4.99%
Termup to 36 mos
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount: $5,000
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used Auto Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
APR = Annual Percentage Rate current as of 07/07/26 and is subject to change without notice. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is based on model year and term. Additional model year terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 2 percentage points to the oldest rates. Terms and rates will vary on loans for business purposes. Payment example: car loan with used model year of 2025 and loan amount of $20,000 for 36 months at 4.99% APR will have an estimated monthly payment of $599.33. Other restrictions may apply.
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
723 5th St NE, Roanoke, VA, 24016 2123
Auto Loan
4.99%
60 - 96 months
▼
APR4.99%
Term60 - 96 months
Last UpdatedAug 28, 2026
Details
Model Year: 2023 - current
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
Homebase Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.95%
4495 Crossings Blvd, Prince George, VA, 23875
Vehicle Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
New & Used / Refinance (from other lender)
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
New Vehicles Loan
4.99%
48 mos
▼
APR4.99%
Term48 mos
Last UpdatedAug 28, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.89%
5288 Providence Rd, Virginia Beach, VA, 23464 4204
Vehicle Loan
4.99%
1-48 months
▼
APR4.99%
Term1-48 months
Last UpdatedAug 28, 2026
Details
As low as; **72+ months over $20,000**
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.99%
64 -75 months
▼
APR4.99%
Term64 -75 months
Last UpdatedAug 28, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.99%
64-75 months
▼
APR4.99%
Term64-75 months
Last UpdatedAug 28, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
Used Auto Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019-2024
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedAug 28, 2026
Details
As low as; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedAug 28, 2026
Details
As low as; 2020-2025
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
New Auto
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedAug 28, 2026
Details
Annual Percentage Rates shown are "as low as."
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedAug 28, 2026
Details
As Low As; Financing: 100%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
New Vehicles Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
502 Operations Dr, Newport News, VA, 23602 6989
New Vehicles/Motorcycles Loan
4.99%
36 - 84 months
▼
APR4.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details
Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
502 Operations Dr, Newport News, VA, 23602 6989
Used Vehicles/Motorcycles Loan
4.99%
36 - 84 months
▼
APR4.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
265 Jones St, Gate City, VA, 24251
Used Auto
4.99%
36 - 120 months
▼
APR4.99%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
6890 Elm St, Mclean, VA, 22101
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
6890 Elm St, Mclean, VA, 22101
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1970 Roanoke Blvd, Salem, VA, 24153
6 year old vehicles Loan
5.00%
up to 48 months
▼
APR5.00%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1970 Roanoke Blvd, Salem, VA, 24153
7 year old vehicles Loan
5.00%
up to 48 months
▼
APR5.00%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
1970 Roanoke Blvd, Salem, VA, 24153
Automobiles up to 5 years old
5.00%
up to 48 months
▼
APR5.00%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.38%
539 Arnett Blvd, Danville, VA, 24540
Vehicle Loans
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedAug 28, 2026
Details
As low as*
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3636 High St, Portsmouth, VA, 23707
Autos and Motorcycles
5.00%
60 Mo.
▼
APR5.00%
Term60 Mo.
Last UpdatedAug 28, 2026
Details
Financing %: 80%
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3636 High St, Portsmouth, VA, 23707
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; depends on creditworthiness
Signature Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA, 22305
Vehicle Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedAug 28, 2026
Details
100% financing
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used VehicleS Loan
5.00%
Up to 96 Month Term
▼
APR5.00%
TermUp to 96 Month Term
Last UpdatedAug 28, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
2026 - 2020 Auto Loan
5.00%
Up to 84 Months
▼
APR5.00%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
5.04%
2025 Mo
▼
APR5.04%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Auto Loans
5.04%
48 Months
▼
APR5.04%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; Sample Monthly Payment for $20,000: $461
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Congressional Federal Car Buying Service powered by TrueCar Loan
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details
As low as; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Used Car Loan
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details
As low as; - Minimum of $1,000 loan
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Auto Loans 2020 - Present
5.04%
0-60 Months
▼
APR5.04%
Term0-60 Months
Last UpdatedAug 28, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
6103 Fulk Dr Ste C, Fairlawn, VA, 24141 9005
Car Loan
5.09%
78 month
▼
APR5.09%
Term78 month
Last UpdatedAug 28, 2026
Details
Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Car Loans 2024
5.09%
up to 36 mos
▼
APR5.09%
Termup to 36 mos
Last UpdatedAug 28, 2026
Details
Minimum Loan Amount: $5,000
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.89%
5288 Providence Rd, Virginia Beach, VA, 23464 4204
Vehicle Loan
5.09%
49-60 months
▼
APR5.09%
Term49-60 months
Last UpdatedAug 28, 2026
Details
As low as; **72+ months over $20,000**
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedAug 28, 2026
Details
Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedAug 28, 2026
Details
Up to $15,000; Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
5.10%
60 Months
▼
APR5.10%
Term60 Months
Last UpdatedAug 28, 2026
Details
Est. Monthly Payment (per $1,000 Financed) $18.92
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
New Auto Loans
5.14%
36 - 63 Months
▼
APR5.14%
Term36 - 63 Months
Last UpdatedAug 28, 2026
Details
Model Year: 2025 - Newer
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
5.14%
2025 Mo
▼
APR5.14%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA, 22207
Auto Loans
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; Sample Monthly Payment for $20,000: $379
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Auto Loans 2020 - Present
5.14%
61-66 Months
▼
APR5.14%
Term61-66 Months
Last UpdatedAug 28, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedAug 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
2023 - 2025*
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans - 2023 - 2025
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Powered by
MonitorBankRates
Virginia New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
New Auto Loan
2.99%
48 MONTHS
▼
APR2.99%
Term48 MONTHS
Last UpdatedAug 28, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
2.99%
Up to 36 months
▼
APR2.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; 2025 & newer
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
3.24%
0-36 months
▼
APR3.24%
Term0-36 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025 and newer
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - up to 60 months Loan
3.49%
up to 60 months
▼
APR3.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled) 0-48 Months
3.49%
48 Months
▼
APR3.49%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
NEW AUTOS - Model Years 2026 or newer
3.50%
up to 36 months
▼
APR3.50%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
3.50%
36-60 Months
▼
APR3.50%
Term36-60 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
3.74%
Up to 36 months
▼
APR3.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles Loan
3.74%
Up to 60 Months
▼
APR3.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate Loan
3.74%
Up to 60 Months
▼
APR3.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled) 49-60 Months
3.74%
60 Months
▼
APR3.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - 72 months Loan
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedAug 28, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
2555 Lee Highway, Bristol, VA, 24201 1625
New Auto ('26 or Newer)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 120%
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
New Auto Loan
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedAug 28, 2026
Details
As Low As; Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As*
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
New Auto
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
New Car Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; Minimum of $1,000 loan
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
New Vehicles Loan
3.99%
36 mos
▼
APR3.99%
Term36 mos
Last UpdatedAug 28, 2026
Details
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
4605 Commerce Rd, Richmond, VA, 23234 2233
New Car Loans: 2022 - Newer Model Years
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedAug 28, 2026
Details
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025 and newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as; 2025 & newer
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
140 Lucy Ln, Waynesboro, VA, 22980
New Vehicles/Motorcycles Loan
3.99%
0 - 36 Months
▼
APR3.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details
Max. APR 12.49%
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New and Used Auto Loans
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As; APR up to 15.00%
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New/ Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
4.14%
Up to 36 months
▼
APR4.14%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.20%
Up to 36 months
▼
APR4.20%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
100% Financing
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle Loan
4.20%
12 - 96 mos
▼
APR4.20%
Term12 - 96 mos
Last UpdatedAug 28, 2026
Details
SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedAug 28, 2026
Details
Est. Monthly Payment (per $1,000 Financed) $29.61
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.24%
Up to 60 months
▼
APR4.24%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
New Auto
4.24%
up to 36 months
▼
APR4.24%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedAug 28, 2026
Details
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.24%
37 to 48 Months
▼
APR4.24%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
4605 Commerce Rd, Richmond, VA, 23234 2233
New Car Loans: 2022 - Newer Model Years
4.24%
61 - 72 Months
▼
APR4.24%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.24%
12-36 months
▼
APR4.24%
Term12-36 months
Last UpdatedAug 28, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled) 61-66 Months
4.24%
66 Months
▼
APR4.24%
Term66 Months
Last UpdatedAug 28, 2026
Details
As Low As
Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
3176 Fort Ave, Lynchburg, VA, 24501
New Auto
4.25%
24 - 108 months
▼
APR4.25%
Term24 - 108 months
Last UpdatedAug 28, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedAug 28, 2026
Details
As Low As*
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.40%
Up to 48 months
▼
APR4.40%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.49%
Up to 72 months
▼
APR4.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
New Auto
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.49%
49 to 60 Months
▼
APR4.49%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
13075 Worldgate Dr, Herndon, VA, 20170 4374
New Auto
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedAug 28, 2026
Details
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
3401 Boisseau St, South Chesterfield, VA, 23803 2021
New Vehicles & Motorcycles Model Year 2021-2025 Loan
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
New Auto Loan
4.50%
Up to 84 Months
▼
APR4.50%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedAug 28, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
4.54%
2025 Mo
▼
APR4.54%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
4.55%
48 Months
▼
APR4.55%
Term48 Months
Last UpdatedAug 28, 2026
Details
Est. Monthly Payment (per $1,000 Financed) $22.83
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
4.64%
2025 Mo
▼
APR4.64%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
140 Lucy Ln, Waynesboro, VA, 22980
New Vehicles/Motorcycles Loan
4.69%
37 - 48 Months
▼
APR4.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details
Max. APR 13.19%
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.70%
Up to 60 months
▼
APR4.70%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.74%
84 months
▼
APR4.74%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum: $150,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
New Auto
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles Loan
4.74%
61 to 72 Months
▼
APR4.74%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.77%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate Loan
4.74%
61 to 72 Months
▼
APR4.74%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
4605 Commerce Rd, Richmond, VA, 23234 2233
New Car Loans: 2022 - Newer Model Years
4.74%
73 - 84 Months
▼
APR4.74%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.74%
49-63 months
▼
APR4.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
4.74%
49-60 months
▼
APR4.74%
Term49-60 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025 and newer
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled) 67-72 Months
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
265 Jones St, Gate City, VA, 24251
New Auto
4.74%
36 - 120 months
▼
APR4.74%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
NEW AUTOS - Model Years 2026 or newer
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New & Used Vehicle Loan
4.75%
6 Years
▼
APR4.75%
Term6 Years
Last UpdatedAug 28, 2026
Details
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.79%
61-72 months
▼
APR4.79%
Term61-72 months
Last UpdatedAug 28, 2026
Details
As Low As*
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
4.80%
2025 Mo
▼
APR4.80%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.84%
48 months
▼
APR4.84%
Term48 months
Last UpdatedAug 28, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
New Car Loan
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details
As low as; Minimum of $1,000 loan
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedAug 28, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.90%
Up to 72 months
▼
APR4.90%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Maximum Amount $100,000
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedAug 28, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
New Auto
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $15,000
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
New Auto
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - 84 months Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
New Auto Loan
4.99%
60 MONTHS
▼
APR4.99%
Term60 MONTHS
Last UpdatedAug 28, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New Automobile greater than
4.99%
60 - 84 months
▼
APR4.99%
Term60 - 84 months
Last UpdatedAug 28, 2026
Details
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.99%
Up to 48 months
▼
APR4.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
New Vehicles Loan
4.99%
48 mos
▼
APR4.99%
Term48 mos
Last UpdatedAug 28, 2026
Details
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.99%
64 -75 months
▼
APR4.99%
Term64 -75 months
Last UpdatedAug 28, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedAug 28, 2026
Details
As low as; 2025 & newer
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
New Auto
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedAug 28, 2026
Details
Annual Percentage Rates shown are "as low as."
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedAug 28, 2026
Details
As Low As; Financing: 100%
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.56%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
New Vehicles Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
502 Operations Dr, Newport News, VA, 23602 6989
New Vehicles/Motorcycles Loan
4.99%
36 - 84 months
▼
APR4.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
6890 Elm St, Mclean, VA, 22101
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3636 High St, Portsmouth, VA, 23707
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; depends on creditworthiness
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used VehicleS Loan
5.00%
Up to 96 Month Term
▼
APR5.00%
TermUp to 96 Month Term
Last UpdatedAug 28, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
5.04%
2025 Mo
▼
APR5.04%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedAug 28, 2026
Details
Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedAug 28, 2026
Details
Up to $15,000; Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles Loan
5.10%
60 Months
▼
APR5.10%
Term60 Months
Last UpdatedAug 28, 2026
Details
Est. Monthly Payment (per $1,000 Financed) $18.92
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
New Auto Loans
5.14%
36 - 63 Months
▼
APR5.14%
Term36 - 63 Months
Last UpdatedAug 28, 2026
Details
Model Year: 2025 - Newer
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer Loan
5.14%
2025 Mo
▼
APR5.14%
Term2025 Mo
Last UpdatedAug 28, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Virginia Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
2.99%
Up to 36 months
▼
APR2.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; 2020-2025
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - up to 60 months Loan
3.49%
up to 60 months
▼
APR3.49%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS - Model Years 2026 - 2024
3.50%
up to 36 months
▼
APR3.50%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
3.50%
36-60 Months
▼
APR3.50%
Term36-60 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
Used Auto Loan
3.74%
0-36 months
▼
APR3.74%
Term0-36 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019-2024
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - 72 months Loan
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedAug 28, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
2555 Lee Highway, Bristol, VA, 24201 1625
Used Auto (2017-2025)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 120%
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as** 3.99%***; Maximum: $75,000
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as; 2020-2025
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
140 Lucy Ln, Waynesboro, VA, 22980
Used Vehicles/Motorcycles Loan
3.99%
0 - 36 Months
▼
APR3.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details
Max. APR 12.49%
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New and Used Auto Loans
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As; APR up to 15.00%
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New/ Used Vehicle Loans (2021 and newer, includes motorcycles)
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older Loan
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedAug 28, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.81%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle Loan
4.20%
12 - 96 mos
▼
APR4.20%
Term12 - 96 mos
Last UpdatedAug 28, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As low as** 4.24%***; Maximum: $75,000
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Used Car Loan
4.24%
Up to 36 months
▼
APR4.24%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As low as; - Minimum of $1,000 loan
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.24%
12-36 months
▼
APR4.24%
Term12-36 months
Last UpdatedAug 28, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older Loan
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedAug 28, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As low as** 4.49%***; Maximum: $75,000
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.49%
Up to 36 Months
▼
APR4.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
Used Auto Loan
4.49%
37-48 months
▼
APR4.49%
Term37-48 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019-2024
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedAug 28, 2026
Details
DuPont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.70%
140 Lucy Ln, Waynesboro, VA, 22980
Used Vehicles/Motorcycles Loan
4.69%
37 - 48 Months
▼
APR4.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details
Max. APR 13.19%
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto
4.70%
Up to 36 months
▼
APR4.70%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Up to 5 Years Old
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
As low as** 4.74%***; Maximum: $75,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto - up to 36 months
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.74%
37 to 48 Months
▼
APR4.74%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Used Auto Loans
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
Call Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
4605 Commerce Rd, Richmond, VA, 23234 2233
Used Car Loans: 2017 - 2021 Model Years
4.74%
Up to 36 months
▼
APR4.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.74%
49-63 months
▼
APR4.74%
Term49-63 months
Last UpdatedAug 28, 2026
Details
As Low As
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
Used Vehicles Loan
4.75%
36 mos
▼
APR4.75%
Term36 mos
Last UpdatedAug 28, 2026
Details
Lynchburg Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
3176 Fort Ave, Lynchburg, VA, 24501
Used Auto
4.75%
24 - 96 months
▼
APR4.75%
Term24 - 96 months
Last UpdatedAug 28, 2026
Details
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS - Model Year 2023 - 2022
4.75%
up to 48 months
▼
APR4.75%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS - Model Years 2026 - 2024
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New & Used Vehicle Loan
4.75%
6 Years
▼
APR4.75%
Term6 Years
Last UpdatedAug 28, 2026
Details
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
SPECTRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
Est. Monthly Payment (per $1,000 Financed) $29.72
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedAug 28, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.85%
36 months
▼
APR4.85%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedAug 28, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto
4.90%
Up to 48 months
▼
APR4.90%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Up to 5 Years Old
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as** 4.99%***; Maximum: $75,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.07%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto - up to 48 months
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedAug 28, 2026
Details
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As*
State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1630 King St, Alexandria, VA, 22314 2763
Used Auto (2024 & Older)
4.99%
49 to 60 Months
▼
APR4.99%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles - 84 months Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.72%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Rate based on evaluation of credit history
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
Used Auto Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedAug 28, 2026
Details
APR = Annual Percentage Rate current as of 07/07/26 and is subject to change without notice. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is based on model year and term. Additional model year terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 2 percentage points to the oldest rates. Terms and rates will vary on loans for business purposes. Payment example: car loan with used model year of 2025 and loan amount of $20,000 for 36 months at 4.99% APR will have an estimated monthly payment of $599.33. Other restrictions may apply.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
224 Commons Way, Williamsburg, VA, 23185
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.99%
64-75 months
▼
APR4.99%
Term64-75 months
Last UpdatedAug 28, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1675 Virginia Ave, Harrisonburg, VA, 22802
Used Auto Loan
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedAug 28, 2026
Details
Model Year: 2019-2024
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
4.99%
Up to 66 months
▼
APR4.99%
TermUp to 66 months
Last UpdatedAug 28, 2026
Details
As low as; 2020-2025
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedAug 28, 2026
Details
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedAug 28, 2026
Details
As Low As; Financing: 100%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details
Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
502 Operations Dr, Newport News, VA, 23602 6989
Used Vehicles/Motorcycles Loan
4.99%
36 - 84 months
▼
APR4.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
265 Jones St, Gate City, VA, 24251
Used Auto
4.99%
36 - 120 months
▼
APR4.99%
Term36 - 120 months
Last UpdatedAug 28, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.10%
6890 Elm St, Mclean, VA, 22101
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 28, 2026
Details
100% NADA Retail/MSRP
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used VehicleS Loan
5.00%
Up to 96 Month Term
▼
APR5.00%
TermUp to 96 Month Term
Last UpdatedAug 28, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA, 22124
Used Car Loan
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedAug 28, 2026
Details
As low as; - Minimum of $1,000 loan
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
400 N Columbus St, Alexandria, VA, 22314
Used Same as New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedAug 28, 2026
Details
Up to $15,000; Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
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Virginia Auto Loan Rate Trends
Compare local Virginia auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — VA Avg
5.513%
▲ 0.289 vs 7 days ago
Virginia new auto rates rose 0.289 points over the past 7 days to 5.513% APR.
Used Auto Loan — VA Avg
6.012%
▲ 0.377 vs 7 days ago
Virginia used auto rates rose 0.377 points over the past 7 days to 6.012% 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 Virginia 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 @ 5.51% APR VA average | Used Auto @ 6.01% APR VA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.60/mo | $290.07/mo | $3.47/mo |
| $25,000 | $477.67/mo | $483.46/mo | $5.78/mo |
| $35,000 | $668.74/mo | $676.84/mo | $8.09/mo |
| $45,000 | $859.81/mo | $870.22/mo | $10.41/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 Virginia Auto Loan Rate Database
62 Local Lenders Tracked
Banks & Credit Unions
Updated Daily
Our Virginia auto loan tables currently track 62 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 Virginia database right now is 2.99% APR from Norfolk Fire Department 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 Virginia
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Virginia 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 Virginia. 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?
- Saving up for a bigger down payment → park it in a Virginia high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Virginia CD rates lock in a guaranteed return until you’re ready to buy
Virginia Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
$51,121
Median Individual Earnings
National avg: $47,340
4.1%
Unemployment Rate
National avg: 4.8%
9.9%
Poverty Rate
National avg: 11.1%
$573/mo
Payment on a $30K / 60-mo Loan
At VA new-auto avg 5.51% APR
A $573 monthly car payment works out to roughly 13.5% of the median individual income in Virginia. 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 Virginia — 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 Virginia. We’ve prefilled the APR with today’s VA new-auto average — or click any current rate on the right to apply it instantly.
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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 Virginia 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 Virginia 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 Virginia. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VA.
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 Virginia
How does my credit score affect my car loan rate in Virginia?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Virginia 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 Virginia *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 Virginia 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 Virginia?
Yes. A preapproval from a bank or credit union serving Virginia 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 Virginia 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 Virginia?
Based on our current data, some of the lowest auto loan rates available in Virginia include:
- Norfolk Fire Department Federal Credit Union: 2.99% (New Auto Loan)
- Central Virginia Federal Credit Union: 2.99% (New Auto)
- Park View Federal Credit Union: 3.24% (New Auto Loan)
- Richmond Heritage Federal Credit Union: 3.49% (New and Used Vehicles - up to 60 months Loan)
- Credit Union of Richmond: 3.49% (New Auto Purchase (Never Titled) 0-48 Months)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026
Auto Loan Rates by City in Virginia
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