Auto Loan Rates in Virginia (VA) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit Union50 W Commerce Rd, Richmond, VA, 23224 2316A+5.0 ★Texas Ratio: 0.93% offering New and Used Vehicles at 2.49%, 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 at 2.99%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit Union1638 Mount Athos Rd, Lynchburg, VA, 24504 5429A5.0 ★Texas Ratio: 8.27% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit Union1675 Virginia Ave, Harrisonburg, VA, 22802A+5.0 ★Texas Ratio: 0.52% offering Auto Loan at 3.24%, Baxter Credit UnionBaxter Credit Union1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%.
Auto loan rates in Virginia are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Virginia. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Virginia
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMar 17, 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
2.99%
48 Months
▼
APR2.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMar 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedMar 15, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
As Low As
United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
3.34%
36-72 months
▼
APR3.34%
Term36-72 months
Last UpdatedMar 15, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
3.49%
0-48
▼
APR3.49%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMar 17, 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
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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 - 2023
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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 Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMar 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
3.89%
Up to 36 months
▼
APR3.89%
TermUp to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMar 15, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New Auto Loan (2021 and newer)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedMar 16, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedMar 16, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMar 15, 2026
Details
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
New Vehicles
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedMar 15, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
New Auto - FIXED
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi - FIXED
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
4.24%
61-66
▼
APR4.24%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60
▼
APR4.24%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.24%
12-36
▼
APR4.24%
Term12-36
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.24%
12-36
▼
APR4.24%
Term12-36
Last UpdatedMar 16, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 36 months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
3381 VIRGINIA AVE, NARROWS, VA, 24124
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 18, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedMar 15, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle
4.25%
12 - 96
▼
APR4.25%
Term12 - 96
Last UpdatedMar 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.29%
37-48
▼
APR4.29%
Term37-48
Last UpdatedMar 16, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMar 16, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
4.34%
36-72 months
▼
APR4.34%
Term36-72 months
Last UpdatedMar 15, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.39%
2025 Mo
▼
APR4.39%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 15, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles
4.45%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
New Auto - FIXED
4.49%
4 Years
▼
APR4.49%
Term4 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; Maximum: $75,000
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48
▼
APR4.49%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 48 months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 15, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2023-2025 Auto Loan
4.50%
36-60
▼
APR4.50%
Term36-60
Last UpdatedMar 16, 2026
Details
100% NADA Retail
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 Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
New Auto Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Up to 84 Months
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
31 S Carlton St, Harrisonburg, VA, 22801 4324
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
▼
APR4.50%
Termup to 6 yrs
Last UpdatedMar 20, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.52%
2025 Mo
▼
APR4.52%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
4.60%
49 to 60 months
▼
APR4.60%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.70%
60 Months
▼
APR4.70%
Term60 Months
Last UpdatedMar 15, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMar 15, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 48 months
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
New Auto - FIXED
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
4.74%
12 to 36
▼
APR4.74%
Term12 to 36
Last UpdatedMar 15, 2026
Details
100% of MSRP/NADA Value
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; Maximum: $75,000
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
4.74%
67-72
▼
APR4.74%
Term67-72
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66
▼
APR4.74%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.74%
49-63
▼
APR4.74%
Term49-63
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.74%
49-63
▼
APR4.74%
Term49-63
Last UpdatedMar 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 60 months
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.74%
2025 Mo
▼
APR4.74%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones St, Gate City, VA, 24251
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2555 Lee Highway, Bristol, VA, 24201 1625
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMar 15, 2026
Details
As Low As; up to 120%
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%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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 2022 - 2020
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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 - 2023
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 15, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.75%
75 Months
▼
APR4.75%
Term75 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.79%
61-72
▼
APR4.79%
Term61-72
Last UpdatedMar 16, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedMar 16, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan Used 2025-2024
4.79%
1 to 48 months
▼
APR4.79%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedMar 17, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMar 15, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan Used 2025-2024
4.85%
49 to 60 months
▼
APR4.85%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
▼
APR4.87%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $7,000 loan
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 15, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 15, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2555 Lee Highway, Bristol, VA, 24201 1625
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMar 15, 2026
Details
As Low As; up to 120%
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
723 5th St NE, Roanoke, VA, 24016 2123
Auto Loan 2022 - current
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 11, 2026
Details
As Low As
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
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 60 months
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Used Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 48 months
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
New Auto - FIXED
4.99%
6 Years
▼
APR4.99%
Term6 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Maximum: $75,000
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMar 15, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.99%
64 -75
▼
APR4.99%
Term64 -75
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.99%
64-75
▼
APR4.99%
Term64-75
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMar 17, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 72 months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $15,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
10800 Main St, Fairfax, VA, 22030
Autos, Trucks, Vans New 2024-2026 models
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
3381 VIRGINIA AVE, NARROWS, VA, 24124
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMar 18, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
New Vehicle Loan
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $7,000 loan
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
New Car Loans
4.99%
12-36
▼
APR4.99%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
Used Car Loans (2024 and Older)
4.99%
12-36
▼
APR4.99%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
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 UpdatedMar 11, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedMar 15, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 15, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2020-2022 Auto Loan
5.00%
36-60
▼
APR5.00%
Term36-60
Last UpdatedMar 16, 2026
Details
90 % NADA Retail
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2023-2025 Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail
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 Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
2026 - 2020 Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Up to 84 Months
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used Vehicle
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMar 18, 2026
Details
Up to 96 Month Term
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
5.00%
61 to 66 months
▼
APR5.00%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Vehicle Loans New Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Vehicle Loans Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi - FIXED
5.04%
4 Years
▼
APR5.04%
Term4 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Auto Loans
5.04%
0-60
▼
APR5.04%
Term0-60
Last UpdatedMar 17, 2026
Details
2020 - Present
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi - FIXED
5.09%
5 Years
▼
APR5.09%
Term5 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
▼
APR5.09%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As; Up to 125% of MSRP to include tax, tags, warranties and GAP
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 15, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
New Auto Loans 2025 - Newer
5.14%
36 - 63
▼
APR5.14%
Term36 - 63
Last UpdatedMar 15, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Auto Loans
5.14%
61-66
▼
APR5.14%
Term61-66
Last UpdatedMar 17, 2026
Details
2020 - Present
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.14%
66 Months
▼
APR5.14%
Term66 Months
Last UpdatedMar 17, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones St, Gate City, VA, 24251
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedMar 15, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loans
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
New Vehicles
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedMar 15, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedMar 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 72 months
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Used Autos
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 60 months
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
5.24%
12 to 36
▼
APR5.24%
Term12 to 36
Last UpdatedMar 15, 2026
Details
100% of MSRP/NADA Value
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Maximum: $75,000
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New Auto Loan (2021 and newer)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
5.24%
73-78
▼
APR5.24%
Term73-78
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
5.24%
61-66
▼
APR5.24%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
5.24%
72-77
▼
APR5.24%
Term72-77
Last UpdatedMar 16, 2026
Details
As Low As
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Auto Loans
5.24%
67-75
▼
APR5.24%
Term67-75
Last UpdatedMar 17, 2026
Details
2020 - Present
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2020-2022; Limited time offer
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New Auto Loans (Models 2024 and Newer)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
Used Auto Loans
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 84 months
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
5.24%
73 to 75 months
▼
APR5.24%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
New Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
Used Auto
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 15, 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
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMar 17, 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
2.99%
48 Months
▼
APR2.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMar 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
3.49%
0-48
▼
APR3.49%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMar 17, 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
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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 Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMar 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
3.89%
Up to 36 months
▼
APR3.89%
TermUp to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New Auto Loan (2021 and newer)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedMar 16, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMar 15, 2026
Details
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
New Vehicles
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedMar 15, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
New Auto - FIXED
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
4.24%
61-66
▼
APR4.24%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.24%
12-36
▼
APR4.24%
Term12-36
Last UpdatedMar 16, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 36 months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
3381 VIRGINIA AVE, NARROWS, VA, 24124
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 18, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedMar 15, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle
4.25%
12 - 96
▼
APR4.25%
Term12 - 96
Last UpdatedMar 17, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.29%
37-48
▼
APR4.29%
Term37-48
Last UpdatedMar 16, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.39%
2025 Mo
▼
APR4.39%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 15, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles
4.45%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
New Auto - FIXED
4.49%
4 Years
▼
APR4.49%
Term4 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 48 months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 15, 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 Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
New Auto Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Up to 84 Months
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
31 S Carlton St, Harrisonburg, VA, 22801 4324
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
▼
APR4.50%
Termup to 6 yrs
Last UpdatedMar 20, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.52%
2025 Mo
▼
APR4.52%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
4.60%
49 to 60 months
▼
APR4.60%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.70%
60 Months
▼
APR4.70%
Term60 Months
Last UpdatedMar 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 48 months
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
New Auto - FIXED
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
4.74%
12 to 36
▼
APR4.74%
Term12 to 36
Last UpdatedMar 15, 2026
Details
100% of MSRP/NADA Value
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
4.74%
67-72
▼
APR4.74%
Term67-72
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.74%
49-63
▼
APR4.74%
Term49-63
Last UpdatedMar 16, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 60 months
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.74%
2025 Mo
▼
APR4.74%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones St, Gate City, VA, 24251
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2555 Lee Highway, Bristol, VA, 24201 1625
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMar 15, 2026
Details
As Low As; up to 120%
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%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 15, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.75%
75 Months
▼
APR4.75%
Term75 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.79%
61-72
▼
APR4.79%
Term61-72
Last UpdatedMar 16, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedMar 17, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMar 15, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $7,000 loan
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 15, 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
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 60 months
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
New Auto - FIXED
4.99%
6 Years
▼
APR4.99%
Term6 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMar 15, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.99%
64 -75
▼
APR4.99%
Term64 -75
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMar 17, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 72 months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $15,000
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
10800 Main St, Fairfax, VA, 22030
Autos, Trucks, Vans New 2024-2026 models
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
3381 VIRGINIA AVE, NARROWS, VA, 24124
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMar 18, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
New Vehicle Loan
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
New Car Loans
4.99%
12-36
▼
APR4.99%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedMar 15, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 15, 2026
Details
100% financing available for new and used auto, truck and motorcycle purchases.
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 Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used Vehicle
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMar 18, 2026
Details
Up to 96 Month Term
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
5.00%
61 to 66 months
▼
APR5.00%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Vehicle Loans New Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As; Up to 125% of MSRP to include tax, tags, warranties and GAP
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 15, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
New Auto Loans 2025 - Newer
5.14%
36 - 63
▼
APR5.14%
Term36 - 63
Last UpdatedMar 15, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.14%
66 Months
▼
APR5.14%
Term66 Months
Last UpdatedMar 17, 2026
Details
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
New Vehicles
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 72 months
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New Auto Loan (2021 and newer)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
5.24%
73-78
▼
APR5.24%
Term73-78
Last UpdatedMar 16, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2020-2022; Limited time offer
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New Auto Loans (Models 2024 and Newer)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 17, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 84 months
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $25,000; vehicle must be current or previous model year.
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
5.24%
73 to 75 months
▼
APR5.24%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
New Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 15, 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
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMar 17, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMar 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
As Low As
United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
3.34%
36-72 months
▼
APR3.34%
Term36-72 months
Last UpdatedMar 15, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMar 17, 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 - 2023
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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 Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMar 17, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedMar 16, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMar 15, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi - FIXED
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice.
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60
▼
APR4.24%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.24%
12-36
▼
APR4.24%
Term12-36
Last UpdatedMar 16, 2026
Details
As Low As
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle
4.25%
12 - 96
▼
APR4.25%
Term12 - 96
Last UpdatedMar 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMar 16, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
4.34%
36-72 months
▼
APR4.34%
Term36-72 months
Last UpdatedMar 15, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; Maximum: $75,000
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48
▼
APR4.49%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 15, 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 Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; Maximum: $75,000
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66
▼
APR4.74%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.74%
49-63
▼
APR4.74%
Term49-63
Last UpdatedMar 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 15, 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
USED AUTOS Model Year 2022 - 2020
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
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 - 2023
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
Loan rate starting at..., based on credit score.
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.75%
75 Months
▼
APR4.75%
Term75 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedMar 16, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan Used 2025-2024
4.79%
1 to 48 months
▼
APR4.79%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedMar 17, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMar 15, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan Used 2025-2024
4.85%
49 to 60 months
▼
APR4.85%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
▼
APR4.87%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 15, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2555 Lee Highway, Bristol, VA, 24201 1625
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMar 15, 2026
Details
As Low As; up to 120%
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Used Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 48 months
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Maximum: $75,000
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMar 15, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.99%
64-75
▼
APR4.99%
Term64-75
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMar 17, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $7,000 loan
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
Used Car Loans (2024 and Older)
4.99%
12-36
▼
APR4.99%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedMar 15, 2026
Details
As Low As
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 Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used Vehicle
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMar 18, 2026
Details
Up to 96 Month Term
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Vehicle Loans Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi - FIXED
5.04%
4 Years
▼
APR5.04%
Term4 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA, 22102 7508
Used Auto / Refi - FIXED
5.09%
5 Years
▼
APR5.09%
Term5 Years
Last UpdatedMar 15, 2026
Details
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
▼
APR5.09%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.14%
66 Months
▼
APR5.14%
Term66 Months
Last UpdatedMar 17, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones St, Gate City, VA, 24251
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles
5.20%
48 Months
▼
APR5.20%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedMar 15, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMar 15, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMar 15, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Used Autos
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Up to 60 months
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
5.24%
12 to 36
▼
APR5.24%
Term12 to 36
Last UpdatedMar 15, 2026
Details
100% of MSRP/NADA Value
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Maximum: $75,000
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
5.24%
61-66
▼
APR5.24%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
5.24%
72-77
▼
APR5.24%
Term72-77
Last UpdatedMar 16, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2020-2022; Limited time offer
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
Used Auto Loans
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
Used Auto
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
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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.
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:
- Richmond Heritage Federal Credit Union: 2.49% (New and Used Vehicles)
- Norfolk Fire Department Federal Credit Union: 2.99% (New Auto)
- Central Virginia Federal Credit Union: 2.99% (New Auto)
- Park View Federal Credit Union: 3.24% (Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
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: March 20, 2026
Auto Loan Rates by City in Virginia
