Arlington, Virginia Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Arlington, Virginia auto loan rates range from 2.99% to 10.19% APR, verified by MonitorBankRates as of October 14, 2026. Current auto loan rates in Arlington, Virginia include Navy Federal Credit UnionNavy Federal Credit Union875 N Randolph St, Arlington, VA, 22203A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, State Department Federal Credit UnionState Department Federal Credit Union1801 N Lynn St, Arlington, VA, 22209A+5.0 ★Texas Ratio: 4.05% offering New Auto at 3.99%, PAHO WHO Federal Credit UnionPAHO WHO Federal Credit Union2300 Wilson Blvd, Arlington, VA, 22201A+5.0 ★Texas Ratio: 2.02% offering New or Used Vehicle Loans at 4.00%, Arlington Community Federal Credit UnionArlington Community Federal Credit Union2130 N Glebe Rd, Arlington, VA, 22207A+5.0 ★Texas Ratio: 4.55% offering Vehicle Loans at 4.64%, Justice Federal Credit UnionJustice Federal Credit Union600 Army Navy Dr, Arlington, VA, 22202 4200A5.0 ★Texas Ratio: 7.57% offering New Automobile Loan at 4.69%. Auto loan rates as of October 14, 2026 according to verified data from MonitorBankRates.
Arlington has 11 local institutions in our database, with auto loan rates as low as 3.89% APR from Navy Federal Credit Union at 875 N Randolph St, Arlington, VA, 22203. 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 Arlington, Virginia. Auto Loan Rates Last Updated and Verified: October 14, 2026
Compare Auto Loan Rates Today in Arlington, Virginia & Surrounding Area
Arlington Auto Loan Rates
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
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
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Model Year: 2025 - 2027
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Loan Amount: $5,000-$125,000
- Oct 2, 20264.94%▲ from 4.69%
- Sep 15, 20264.69%first recorded
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
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Model Year: 2025 - 2027
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; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
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; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Model Year: 2025; Minimum Loan Amount: $5,000
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Fixed APR; Minimum Loan Amount: $20,000; Model Year: 2025 - 2027
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
As Low As; Model Year: 2024; Minimum Loan Amount: $5,000
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Loan Amount: $2,500+
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; Model Year: 2026; Minimum Loan Amount: $5,000
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
APR = Annual Percentage Rate. The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide. The rates and terms shown are effective as of September 23, 2026. *Classic or Restoration Vehicles: Cars that are over 20 model years old are classified as classic or antique and have different loan rates. For example, in 2025, vehicles from 2005 model years or older are eligible. Classic or Restoration Vehicle Loan Rates.
New Vehicle Loans; Up to 125% financing on any previously untitled or unregistered car, van or SUV you purchase from a licensed dealer.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Loan Amount: $10,000-$125,000
- Oct 2, 20265.54%▲ from 5.29%
- Sep 15, 20265.29%first recorded
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
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $5,000+
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%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Model Year: 2022; Minimum Loan Amount: $5,000
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 80% LTV
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
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
APR = Annual Percentage Rate. The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide. The rates and terms shown are effective as of September 23, 2026. *Classic or Restoration Vehicles: Cars that are over 20 model years old are classified as classic or antique and have different loan rates. For example, in 2025, vehicles from 2005 model years or older are eligible. Classic or Restoration Vehicle Loan Rates.
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026
As Low As; Model Year: 2025; Minimum Loan Amount: $8,000
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Model Year: 2026; Minimum Loan Amount: $8,000
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 80% LTV
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
APR = Annual Percentage Rate. The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide. The rates and terms shown are effective as of September 23, 2026. *Classic or Restoration Vehicles: Cars that are over 20 model years old are classified as classic or antique and have different loan rates. For example, in 2025, vehicles from 2005 model years or older are eligible. Classic or Restoration Vehicle Loan Rates.
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
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
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
As Low As; Loan Amount: $15,000+
As Low As; Model Year: 2025; Minimum Loan Amount: $10,000
As Low As; Model Year: 2024; Minimum Loan Amount: $10,000
As Low As; Model Year: 2022; Minimum Loan Amount: $8,000
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
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
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
APR = Annual Percentage Rate. The stated APR is the lowest rate available for qualified members and reflects a 0.25% discount for Direct Deposit and automatic debit of loan payment from a Checking Account with Lafayette Federal. The actual rate may be higher based on income, creditworthiness, and loan-to-value. Loan-to-Value Requirements: Purchase: 70% of price of the vehicle as determined by purchase order, or value, if lower than price.; Refinance: 70% of full replacement value as determined by the insurance carrier.Valuation sources include but are not limited to, Black Book, Sports Car Market, Manheim Auctions, Gold Book, and Old Cars Price Guide. The rates and terms shown are effective as of September 23, 2026. *Classic or Restoration Vehicles: Cars that are over 20 model years old are classified as classic or antique and have different loan rates. For example, in 2025, vehicles from 2005 model years or older are eligible. Classic or Restoration Vehicle Loan Rates.
$25000 minimum loan amount required for vehicle loan of 73 to 84 months. Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
$25000 minimum loan amount required for vehicle loan of 73 to 84 months. Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
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
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Model Year: 2026; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
As Low As; Fixed APR; Minimum Loan Amount: $35,000; Model Year: 2025 - 2027
Loan Amount: $15,000-$125,000
- Oct 2, 20266.39%▲ from 6.14%
- Sep 15, 20266.14%first recorded
As Low As; Model Year: 2023; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: $20,000; Maximum LTV: 80% LTV
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $5,000
As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026
As Low As; Model Year: 2022; Minimum Loan Amount: $10,000
As Low As; Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026
As Low As; Loan Amount: $20,000+; Up to 125% financing for qualified applicants
As Low As; Model Year: 2026; Minimum Loan Amount: $20,000
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $8,000
As Low As; Loan Amount: $20,000+
Loan Amount: $20,000-$125,000
- Oct 2, 20267.24%▲ from 6.99%
- Sep 15, 20266.99%first recorded
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles; Minimum loan amount $30,000 for terms of 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Minimum loan amount $30,000 for 85-96 months; Rates as of Oct 13, 2026 ET
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Model Year: 2017-2019; Minimum Loan Amount: $5,000
As Low As; Rates as of Oct 13, 2026 ET
As Low As; Rates as of Oct 13, 2026 ET
As Low As; Model Year: 2026; Minimum Loan Amount: $40,000
As Low As; Model Year: 2020-2021; Minimum Loan Amount: $10,000
As Low As; Loan Amount: $40,000+; Up to 125% financing for qualified applicants
As Low As; Model Year: 2017-2019; Minimum Loan Amount: $8,000
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Classic or Restoration Vehicle Loan Rates.
As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026
As Low As; Loan Amount: $40,000+
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Classic or Restoration Vehicle Loan Rates.
As Low As; Model Year: 2017-2019; Minimum Loan Amount: $10,000
APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members and reflects 0.25% discount for Direct Deposit and automatic debit of loan payment from Checking Account with Lafayette Federal. Actual rate may be higher based on income, credit worthiness, and loan to value. Classic or Restoration Vehicle Loan Rates.
As Low As; Fixed APR; Minimum Loan Amount: $50,000; Model Year: 2025 - 2027
As Low As; Fixed APR; Minimum Loan Amount: $50,000; Rates Effective: October 6, 2026
As Low As; Minimum amount financed $25,000; Rates as of Oct 13, 2026 ET
As Low As; Minimum amount financed $25,000; Rates as of Oct 13, 2026 ET
As Low As; Minimum amount financed $30,000; Rates as of Oct 13, 2026 ET
As Low As; Model Year: 2026; Minimum Loan Amount: $40,000
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%
As low as**; ***; Maximum Loan Amount: $150,000
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; Model Year: 2025 & Newer
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
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
As Low As; Payment example: $368.27 (borrow $20,000 for 60 months); Term determined by amount financed and rate increases based on model year and other underwriting factors
As Low As; Payment example: $368.27 (borrow $20,000 for 60 months); Term determined by amount financed and rate increases based on model year and other underwriting factors
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; Vehicle Loan Rates - New Vehicles
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $5,000
As Low As; Minimum of $1,000 loan
As Low As; Used Car APR; Minimum of $1,000 loan
Daily Periodic Rate: .0116
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026
As Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
- Oct 13, 20264.24%▼ from 4.34%
- Sep 17, 20264.34%first recorded
As Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
- Oct 13, 20264.24%▼ from 4.34%
- Sep 17, 20264.34%first recorded
As Low As; Actual rate varies by credit rating and loan term; Posted rates for existing members
- Oct 13, 20264.24%▼ from 4.34%
- Sep 17, 20264.34%first recorded
As Low As; Actual rate varies by credit rating and loan term; Posted rates for existing members
- Oct 13, 20264.24%▼ from 4.34%
- Sep 17, 20264.34%first recorded
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Model Years 2015 and Newer
As Low As; Auto rates effective 02/24/2025
Published APR range: 4.25% - 17.75%.
As Low As*
As Low As*
As Low As; Payment example: $315.58 (borrow $20,000 for 72 months); Term determined by amount financed and rate increases based on model year and other underwriting factors
As Low As; Payment example: $315.58 (borrow $20,000 for 72 months); Term determined by amount financed and rate increases based on model year and other underwriting factors
Arlington New Auto Auto Loan Rates
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
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
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 80% LTV
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; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
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
New Vehicle Loans; Up to 125% financing on any previously untitled or unregistered car, van or SUV you purchase from a licensed dealer.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 80% LTV
As Low As; ($25,000); APR includes 0.25% automatic payment and direct deposit discount
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 80% LTV
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
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
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
$25000 minimum loan amount required for vehicle loan of 73 to 84 months. Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2019 to current model year.
As Low As; Minimum Loan Amount: $20,000; Maximum LTV: 80% LTV
As Low As; Loan Amount: $20,000+; Up to 125% financing for qualified applicants
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles; Minimum loan amount $30,000 for terms of 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Loan terms greater than 84 months only for vehicles with fewer than 7,500 miles; Minimum loan amount $30,000 for 85-96 months; Rates as of Oct 13, 2026 ET
As Low As; Loan Amount: $40,000+; Up to 125% financing for qualified applicants
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%
As low as**; ***; Maximum Loan Amount: $150,000
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**; ***; Maximum Loan Amount: $150,000
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%
As Low As; Vehicle Loan Rates - New Vehicles
As low as**; ***; Maximum Loan Amount: $150,000
Minimum loan of $5,000
Daily Periodic Rate: .0116
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program; Rates Effective Date: October 1, 2026
As Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
- Oct 13, 20264.24%▼ from 4.34%
- Sep 17, 20264.34%first recorded
As Low As; Membership Eligibility Required; Posted rates for existing members; Actual rate varies by credit rating and length of loan term
- Oct 13, 20264.24%▼ from 4.34%
- Sep 17, 20264.34%first recorded
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Model Years 2015 and Newer
As Low As; Auto rates effective 02/24/2025
Published APR range: 4.25% - 17.75%.
As Low As*
As Low As*
Arlington Used Auto Auto Loan Rates
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
As Low As; Loan Amount: $2,500+
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
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
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
As Low As; Fixed APR; Minimum Loan Amount: No Minimum; Rates Effective: October 6, 2026
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Loan Amount: $2,500+
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
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; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Loan Amount: $2,500+
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; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
As Low As; Fixed APR; Minimum Loan Amount: $10,000; Rates Effective: October 6, 2026
As Low As; Loan Amount: $5,000+
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%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
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; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
As Low As; Fixed APR; Minimum Loan Amount: $20,000; Rates Effective: October 6, 2026
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
Rates based on credit worthiness. Not all applicants will qualify for the lowest loan rate.
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
As Low As; Loan Amount: $15,000+
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
$25000 minimum loan amount required for vehicle loan of 73 to 84 months. Actual rate may be higher based on income, credit worthiness, and loan to value. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. Add 2.00% to above pricing for all overseas vehicle loans. Financing available for model years 2023 to current model year.
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
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
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Minimum Loan Amount: $5,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $20,000; Maximum LTV: 90% LTV
As Low As; Minimum Loan Amount: $8,000; Maximum LTV: 90% LTV
As Low As; Fixed APR; Minimum Loan Amount: $35,000; Rates Effective: October 6, 2026
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Loan Amount: $20,000+
As Low As; Minimum Loan Amount: $10,000; Maximum LTV: 90% LTV
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Loan Amount: $40,000+
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** ***; Loan Amounts: Maximum: $75,000
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
As Low As; Payment example: $368.27 (borrow $20,000 for 60 months); Term determined by amount financed and rate increases based on model year and other underwriting factors
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** ***; Loan Amounts: Maximum: $75,000
As Low As; Minimum of $1,000 loan
As Low As; Used Car APR; Minimum of $1,000 loan
As Low As; Actual rate varies by credit rating and loan term; Posted rates for existing members
- Oct 13, 20264.24%▼ from 4.34%
- Sep 17, 20264.34%first recorded
As Low As; Actual rate varies by credit rating and loan term; Posted rates for existing members
- Oct 13, 20264.24%▼ from 4.34%
- Sep 17, 20264.34%first recorded
As Low As; Model Years 2015 and Newer
As Low As; Payment example: $315.58 (borrow $20,000 for 72 months); Term determined by amount financed and rate increases based on model year and other underwriting factors
Arlington, VA Auto Loan Rate Trends
Compare local Arlington, 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.
Arlington, VA Auto Loan Rate Forecast, Next 12 Months
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.
Forecast Methodology & Assumptions
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.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Virginia APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.06% 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.
How to Get the Best Auto Loan Rate in Arlington, Virginia
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Arlington, 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.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Virginia. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Arlington, Virginia high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Arlington, Virginia CD rates lock in a guaranteed return until you’re ready to buy
Arlington, Virginia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $567 monthly car payment works out to roughly 7.7% of the median individual income in Arlington, Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Arlington, 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.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Arlington, 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.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arlington, 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 Arlington, 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 Arlington, 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.
Bad Credit Auto Loans in Arlington, Virginia
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.
Get Preapproved Before the Dealer
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.
Start With a Credit Union
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.
Put More Money Down
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.
Keep the Term Short
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.
Add a Cosigner
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.
Be Careful With Buy Here Pay Here
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.
Frequently Asked Questions about Auto Loans in Arlington, Virginia
How does my credit score affect my car loan rate in Virginia?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Arlington, Virginia?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Arlington, Virginia?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Arlington, Virginia?
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- State Department Federal Credit Union: 3.99% (New Auto)
- PAHO WHO Federal Credit Union: 4.00% (New or Used Vehicle Loans)
- Arlington Community Federal Credit Union: 4.64% (Vehicle Loans)
- Justice Federal Credit Union: 4.69% (New Automobile Loan)
Arlington, Virginia Rates & Resources
