Alexandria, Virginia auto loan rates range from 2.99% to 9.80% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Alexandria, Virginia include United States Senate Federal Credit UnionUnited States Senate Federal Credit Union1310 Braddock Pl, Alexandria, VA, 22314 1691A5.0 ★Texas Ratio: 13.71% offering New Auto Loan at 3.74%, Navy Federal Credit UnionNavy Federal Credit Union7678D Richmond Hwy, Alexandria, VA, 22306A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, State Department Federal Credit UnionState Department Federal Credit Union1630 King St, Alexandria, VA, 22314 2763A+5.0 ★Texas Ratio: 4.05% offering New Auto at 3.99%, SPECTRA Credit UnionSPECTRA Credit Union5440 Cherokee Ave Ste 200, Alexandria, VA, 22312A5.0 ★Texas Ratio: 12.16% offering New Vehicles Loan at 4.20%, Apple Federal Credit UnionApple Federal Credit Union7696F Richmond Hwy, Alexandria, VA, 22306A+5.0 ★Texas Ratio: 2.85% offering New Auto at 4.24%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Alexandria has 14 local institutions in our database, with auto loan rates as low as 3.74% APR from United States Senate Federal Credit Union at 1310 Braddock Pl, Alexandria, VA, 22314 1691. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Alexandria, Virginia. Auto Loan Rates Last Updated and Verified: October 13, 2026
As low as**; ***; Maximum Loan Amount: $150,000
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As Low As; Rates subject to change.
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
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As low as
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $5,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
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As Low As; Rates subject to change.
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $5,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; 100% financing
As low as
As Low As
As Low As; Rates subject to change.
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value
As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Model Year: 2025 - 2027
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $5,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; 100% financing
As low as
As Low As
As Low As; Rates subject to change.
Loan Amount: $5,000-$125,000
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $15,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 4.99% - 11.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history
As Low As; 100% financing
As Low As; 100% financing; Used vehicle
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Model Year: 2025 - 2027
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As low as
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $10,000 purchase price
As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Rates Effective: October 6, 2026
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Model Year: 2025 - 2027
As low as
As low as
Minimum loan of $25,000; vehicle must be current or previous model year.
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 5.24% - 9.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history
As Low As; 100% financing
As Low As; 100% financing; Used vehicle
As Low As
As Low As; Rates subject to change.
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $20,000 purchase price
As Low As; Fixed APR; Minimum Loan Amount: $20,000; Model Year: 2025 - 2027
As Low As
As Low As; Rates subject to change.
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As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Minimum loan of $15,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
Published APR range: 5.49% - 9.74%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Loan Amount: Up to $15,000; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018
As Low As; 100% financing
As Low As; 100% financing; Used vehicle
Loan Amount: $10,000-$125,000
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR
As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Rates Effective: October 6, 2026
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $10,000; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 150,000.
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 5.74% - 12.24%. Amount Financed: 100% NADA Retail Value; Model Years: 2023, 2022, 2021, 2020; Fixed; Used Auto-100% NADA Retail Value plus taxes and tags; Rate based on evaluation of credit history; Apply Now
As Low As; 100% financing
As Low As; 100% financing; Used vehicle
As low as
As low as
As low as
Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $20,000; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026
As low as
As Low As
As Low As; Rates subject to change.
As low as** ***; Maximum Loan Amount: $300,000
As Low As; 100% financing; Used vehicle
Published APR range: 6.04% - 10.74%. Amount Financed: 100% NADA Retail Value; Model Years: 2023, 2022, 2021, 2020; Fixed; Used Auto-100% NADA Retail Value plus taxes and tags; Rate based on evaluation of credit history; Min. finance amt $30,000; Apply Now
Model year 2018; Additional APR listed for this product: 6.54%. As Low As; Fixed APR
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
As low as
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
As low as** ***; Maximum Loan Amount: $300,000
As Low As; Approximate term in months
As Low As; 100% financing
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
As low as
Model year 2018; As Low As; Fixed APR; Requires minimum $10,000 purchase price
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $35,000 purchase price
As Low As; Fixed APR; Minimum Loan Amount: $35,000; Model Year: 2025 - 2027
Loan Amount: $15,000-$125,000
Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Loan Amount: $15,000 to $35,000; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018
As low as
As low as** ***; Maximum Loan Amount: $300,000
As low as** ***; Loan Amounts: Maximum: $150,000
As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026
As low as** ***; Maximum Loan Amount: $300,000
As low as** ***; Loan Amounts: Maximum: $150,000
If eligible for all possible discounts
If eligible for all possible discounts
As Low As; 100% financing; Used vehicle
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $35,000; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026
As Low As
As Low As; Rates subject to change.
As low as** ***; Maximum Loan Amount: $300,000
As low as** ***; Loan Amounts: Maximum: $150,000
Term: 49 months to 60 months; As low as
Loan Amount: $35,000+; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Term: 61 months to 66 months; As low as
As low as** ***; Maximum Loan Amount: $300,000
As low as** ***; Loan Amounts: Maximum: $150,000
Loan Amount: $20,000-$125,000
As Low As
As Low As; Rates subject to change.
As low as
Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Loan Amount: $35,000+; Amount: Up to 80% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2013 - 2018
As low as
As low as
As low as** ***; Maximum Loan Amount: $300,000
As low as** ***; Loan Amounts: Maximum: $150,000
Term: 67 months to 72 months; As low as
As Low As; 100% financing; Used vehicle
As low as** ***; Loan Amounts: Maximum: $150,000
Term: 73 months to 78 months; As low as
As low as** ***; Loan Amounts: Maximum: $150,000
Model year 2018; As Low As; Fixed APR; Requires minimum $35,000 purchase price
As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026
As low as** ***; Maximum Loan Amount: $300,000
Term: 79 months to 84 months; As low as
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $50,000 purchase price
As Low As; Fixed APR; Minimum Loan Amount: $50,000; Model Year: 2025 - 2027
As low as** ***; Loan Amounts: Maximum: $150,000
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $50,000; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: $50,000; Rates Effective: October 6, 2026
As low as** ***; Maximum Loan Amount: $300,000
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
Published APR range: 2.99% - 18%.
Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026
Rate/APR as low as; Auto rates effective 02/24/2025
Amount Financed: 100% NADA Retail/MSRP; APR range: 3.50-9.25%
Published APR range: 3.74% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
As Low As
As Low As
Published APR range: 3.74 - 15.99%. As Low As; Model Year: 2019-2024
As Low As; Auto rates effective 02/24/2025
As Low As; Amount: up to 120%
As Low As; Amount: up to 120%
As Low As; Loan Term
As Low As*
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
As Low As; Minimum of $1,000 loan
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026
Published APR range: 3.99 - 14.49%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026
Min APR 3.99%; Max APR: 12.49%
As Low As; APR up to 15.00%; Rates effective: January 29, 2026
As Low As; APR up to 16.00%; Rates effective: January 29, 2026
Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
Percent of Financing: 100%; Maximum Amount: $100,000; Includes taxes, tags & extended warranties
APR range: 4.20% - 14.75%
As Low As; Minimum of $1,000 loan
As Low As; Used Car APR; Minimum of $1,000 loan
Daily Periodic Rate: .0116
As low as**; ***; Maximum Loan Amount: $150,000
As Low As
As Low As; Rates subject to change.
As low as**; ***; Maximum Loan Amount: $150,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As low as
As low as
As low as**; ***; Maximum Loan Amount: $150,000
Minimum loan of $5,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As
As Low As; Rates subject to change.
As low as**; ***; Maximum Loan Amount: $150,000
Minimum loan of $5,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As low as
As Low As
As Low As; Rates subject to change.
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value
As low as**; ***; Maximum Loan Amount: $150,000
Minimum loan of $5,000
Minimum loan of $15,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 4.99% - 11.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value
Loan Amount: Up to $25,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As low as
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $10,000 purchase price
Minimum loan of $25,000; vehicle must be current or previous model year.
Published APR range: 5.24% - 9.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $20,000 purchase price
As low as
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Published APR range: 5.49% - 9.74%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As low as
As low as
Loan Amount: $15,000 to $35,000; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As low as
As Low As
As Low As; Rates subject to change.
As low as** ***; Maximum Loan Amount: $300,000
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
As low as** ***; Maximum Loan Amount: $300,000
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $35,000 purchase price
As low as
As low as** ***; Maximum Loan Amount: $300,000
As low as** ***; Maximum Loan Amount: $300,000
If eligible for all possible discounts
If eligible for all possible discounts
As low as** ***; Maximum Loan Amount: $300,000
Term: 49 months to 60 months; As low as
Loan Amount: $35,000+; Amount: Up to 125% of MSRP to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Term: 61 months to 66 months; As low as
As low as** ***; Maximum Loan Amount: $300,000
As Low As
As Low As; Rates subject to change.
As low as** ***; Maximum Loan Amount: $300,000
Term: 67 months to 72 months; As low as
Term: 73 months to 78 months; As low as
As low as** ***; Maximum Loan Amount: $300,000
Term: 79 months to 84 months; As low as
As Low As; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value; Requires minimum $50,000 purchase price
As low as** ***; Maximum Loan Amount: $300,000
Published APR range: 2.99% - 18%.
Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026
Rate/APR as low as; Auto rates effective 02/24/2025
Amount Financed: 100% NADA Retail/MSRP; APR range: 3.50-9.25%
Published APR range: 3.74% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
As Low As
As Low As
As Low As; Auto rates effective 02/24/2025
As Low As; Amount: up to 120%
As Low As; Loan Term
As Low As*
As Low As; Minimum of $1,000 loan
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026
Published APR range: 3.99 - 14.49%. Model Year: 2025 and newer; As Low As; Rates as of 10/1/2026
Min APR 3.99%; Max APR: 12.49%
As Low As; APR up to 15.00%; Rates effective: January 29, 2026
As Low As; APR up to 16.00%; Rates effective: January 29, 2026
Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
Percent of Financing: 100%; Maximum Amount: $100,000; Includes taxes, tags & extended warranties
APR range: 4.20% - 14.75%
Daily Periodic Rate: .0116
As low as** ***; Loan Amounts: Maximum: $75,000
As low as** ***; Loan Amounts: Maximum: $75,000
As low as** ***; Loan Amounts: Maximum: $75,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As low as
As Low As
As Low As; Rates subject to change.
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 4.99% - 11.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history
Loan Amount: Up to $15,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Rates Effective: October 6, 2026
As low as
As low as
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 5.24% - 9.24%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
Minimum loan of $15,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
Published APR range: 5.49% - 9.74%. Model Year: 2027, 2026, 2025; Used Auto-100% NADA Retail Value plus taxes and tags; Amount Financed: 100.00%; Fixed; Fee Type: Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Loan Amount: Up to $15,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $10,000; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 150,000.
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 5.74% - 12.24%. Amount Financed: 100% NADA Retail Value; Model Years: 2023, 2022, 2021, 2020; Fixed; Used Auto-100% NADA Retail Value plus taxes and tags; Rate based on evaluation of credit history; Apply Now
As low as
Loan Amount: $15,000 to $35,000; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $20,000; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026
Published APR range: 6.04% - 10.74%. Amount Financed: 100% NADA Retail Value; Model Years: 2023, 2022, 2021, 2020; Fixed; Used Auto-100% NADA Retail Value plus taxes and tags; Rate based on evaluation of credit history; Min. finance amt $30,000; Apply Now
Model year 2018; Additional APR listed for this product: 6.54%. As Low As; Fixed APR
As low as
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
As low as
Model year 2018; As Low As; Fixed APR; Requires minimum $10,000 purchase price
Loan Amount: $15,000 to $35,000; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
As low as** ***; Loan Amounts: Maximum: $150,000
As low as** ***; Loan Amounts: Maximum: $150,000
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $35,000; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026
As Low As
As Low As; Rates subject to change.
As low as** ***; Loan Amounts: Maximum: $150,000
Term: 49 months to 60 months; As low as
Loan Amount: $35,000+; Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP. Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Term: 61 months to 66 months; As low as
As low as** ***; Loan Amounts: Maximum: $150,000
As low as
Loan Amount: $35,000+; Amount: Up to 100% of financing of NADA Clean Retail to include tax, tags, warranties and GAP; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.; Model Year: 2019 - 2023
As low as** ***; Loan Amounts: Maximum: $150,000
Term: 67 months to 72 months; As low as
As low as** ***; Loan Amounts: Maximum: $150,000
Term: 73 months to 78 months; As low as
As low as** ***; Loan Amounts: Maximum: $150,000
Model year 2018; As Low As; Fixed APR; Requires minimum $35,000 purchase price
Term: 79 months to 84 months; As low as
As low as** ***; Loan Amounts: Maximum: $150,000
Model year 2024; As Low As; Fixed APR; Used Cars: 2019 - 2024 models; Minimum purchase price $50,000; Loans subject to minimum monthly payment of $45.00
As Low As; Fixed APR; Minimum Loan Amount: $50,000; Rates Effective: October 6, 2026
Amount Financed: 100% NADA Retail/MSRP; APR range: 3.50-9.25%
Published APR range: 3.74% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
Published APR range: 3.74 - 15.99%. As Low As; Model Year: 2019-2024
As Low As; Amount: up to 120%
As Low As; APR up to 15.00%; Rates effective: January 29, 2026
As Low As; APR up to 16.00%; Rates effective: January 29, 2026
Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
APR range: 4.20% - 14.75%
As Low As; Minimum of $1,000 loan
As Low As; Used Car APR; Minimum of $1,000 loan
Compare local Alexandria, VA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Virginia new auto rates fell 0.088 points over the past 7 days to 5.059% APR.
Virginia used auto rates fell 0.011 points over the past 7 days to 5.727% APR.
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Virginia figures.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
Estimated monthly payments on a standard 60-month auto loan at today’s average Virginia APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.06% APR VA average | Used Auto @ 5.73% APR VA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.48/mo | $288.09/mo | $4.61/mo |
| $25,000 | $472.46/mo | $480.15/mo | $7.69/mo |
| $35,000 | $661.44/mo | $672.21/mo | $10.77/mo |
| $45,000 | $850.43/mo | $864.27/mo | $13.84/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
A preapproval from a bank or credit union serving Alexandria, Virginia locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Credit unions consistently offer some of the lowest auto loan APRs in Virginia. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $567 monthly car payment works out to roughly 9.3% of the median individual income in Alexandria, Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Alexandria, Virginia, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Estimate your monthly payment on a new or used vehicle in Alexandria, Virginia. We’ve prefilled the APR with today’s VA new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Alexandria, Virginia auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Alexandria, Virginia directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Alexandria, Virginia. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.