Chincoteague, Virginia Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Chincoteague, Virginia auto loan rates from lenders serving Virginia range from 2.99% to 5.20% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Chincoteague, Virginia include Central Virginia Federal Credit UnionCentral Virginia Federal Credit UnionA5.0 ★Texas Ratio: 7.15% offering New Auto at 2.99%, Norfolk Fire Department Federal Credit UnionNorfolk Fire Department Federal Credit UnionA+5.0 ★Texas Ratio: 0.49% offering New Auto Loan at 2.99%, Credit Union of RichmondCredit Union of RichmondA+5.0 ★Texas Ratio: 0.98% offering New Auto Purchase (Never Titled) at 3.49%, Augusta Health Care Credit UnionAugusta Health Care Credit UnionA+5.0 ★Texas Ratio: 1.10% offering 2026+ New & Used Auto at 3.50%, United States Senate Federal Credit UnionUnited States Senate Federal Credit UnionA5.0 ★Texas Ratio: 13.71% offering New Auto Loan at 3.74%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Chincoteague borrowers have access to 54 lenders serving the Virginia area, with auto loan rates as low as 2.99% APR from Central Virginia Federal Credit Union. 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 Chincoteague, Virginia. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Chincoteague, Virginia & Surrounding Area
Chincoteague Auto Loan Rates
As low as; Modal Year: 2025 & newer
As low as; Modal Year: 2020-2025
Published APR range: 2.99% - 18%.
Published APR range: 3.50-9.25%. 100% NADA Retail/MSRP
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; Amount: up to 120%
As Low As; Amount: up to 120%
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
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; Modal Year: 2025 & newer
As low as; Modal Year: 2020-2025
Max. APR: 12.49%
As Low As*
As Low As; APR includes 0.25% automatic payment and direct deposit discount
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
Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
As low as
Percent of Financing: 100%
Published rate range: 4.20% - 14.75%.
As low as
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $5,000
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as; Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Minimum of $1,000 loan
As Low As; Used Car APR; Minimum of $1,000 loan
Published APR range: 4.25% - 17.75%.
As Low As
As Low As; Rates subject to change.
As Low As*
As Low As*
As low as
As low as
As Low As
As Low As
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As low as
- Oct 4, 20264.34%▲ from 4.24%
- Sep 25, 20264.24%first recorded
Model Year: 2020 - Present
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Percent of Financing: 100%
As low as
- Oct 4, 20264.44%▲ from 4.34%
- Sep 25, 20264.34%first recorded
As low as
- Oct 4, 20264.44%▲ from 4.34%
- Sep 25, 20264.34%first recorded
As low as**; ***; Maximum Loan Amount: $150,000
As low as** ***; Loan Amounts: Maximum: $75,000
Minimum loan of $5,000
Rates as low as: (0 - 1 year)
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Published APR range: 4.49% - 12.49%.
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
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Estimated Payment:
Published APR range: 4.50-10.00%. 100% NADA Retail/MSRP
Published APR range: 4.50 to 12.00%.
As low as
- Oct 4, 20264.54%▲ from 4.44%
- Sep 25, 20264.44%first recorded
As low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
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
Max. APR: 13.19%
Vehicles 2018 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. Max. APR: 13.19%
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
Percent of Financing: 100%
Up to 5 Years Old
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.
Annual percentage rate may vary depending on individual credit history and underwriting terms. View www.topsidefcu.org/loan-rates for more information.
Rates Effective Date: October 1, 2026.
Additional APR listed for this product: 5.24%, 5.74%. Rates Effective Date: October 1, 2026.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.740% - 12.240%.
- Oct 10, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; 61-72 month financing available for automobiles over $20,000
As Low As; 61-72 month financing available for automobiles over $20,000
Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Published APR range: 4.75% - 17.75%.
Estimated Payment:
As low as
As Low As
As Low As; Rates subject to change.
As Low As*
As low as
- Sep 17, 20264.84%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As
- Sep 17, 20264.84%▲ from 4.74%
- Sep 14, 20264.74%first recorded
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Loan Term
As low as
- Oct 4, 20264.84%▲ from 4.74%
- Sep 25, 20264.74%first recorded
As Low As; Minimum of $1,000 loan
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Percent of Financing: 100% (min. $20,000)
Up to 5 Years Old
Loan Amount: $5,000-$125,000
- Oct 2, 20264.94%▲ from 4.69%
- Sep 15, 20264.69%first recorded
As low as
- Oct 4, 20264.94%▲ from 4.84%
- Sep 25, 20264.84%first recorded
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
As low as; Modal Year: 2025 & newer
As low as; Modal Year: 2020-2025
As low as; Modal Year: 2016-2019
- Sep 17, 20264.99%▲ from 3.99%
- Sep 14, 20263.99%first recorded
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
Published APR range: 4.990% - 12.890%.
As Low As*
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% - 18%.
As Low As; Rate includes a 0.25% discount with Automatic Payment from a GE Credit Union account; Finance 100% of purchase price
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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score)
Published APR range: 4.99% - 14.99%. Model Year: 2023 - current; Term and APR ranges as published
Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Additional APR listed for this product: 6.00%, 12.00%, 15.50%. Financing %: 80%
As Low As; depends on creditworthiness.
Estimated Payment:
Published APR range: 5.00-10.50%. 100% NADA Retail/MSRP
Published APR range: 5.00% to 18.00%. The APR received will be within the range disclosed above. The rate will be based on each member's creditworthiness, term of the loan, and value of collateral offered compared to amount of loan. Please ask for the rate that you may qualify for.
Published APR range: 5.00 to 12.50%.
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; 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
As Low As; Minimum of $1,000 loan
As Low As; Used Car APR; Minimum of $1,000 loan
As low as
As low as
- Sep 17, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
- Sep 17, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As low as
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.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: 2020 - Present
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
Max. APR: 13.69%
Vehicles 2018 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. Max. APR: 13.69%
As low as
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
Percent of Financing: 100% (min. $20,000)
Up to 5 Years Old
As low as
Chincoteague New Auto Auto Loan Rates
As low as; Modal Year: 2025 & newer
Published APR range: 2.99% - 18%.
Published APR range: 3.50-9.25%. 100% NADA Retail/MSRP
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; Amount: up to 120%
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As low as**; ***; Maximum Loan Amount: $150,000
As low as; Modal Year: 2025 & newer
Max. APR: 12.49%
As Low As*
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Minimum of $1,000 loan
Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
As low as
Percent of Financing: 100%
Published rate range: 4.20% - 14.75%.
As low as
As low as**; ***; Maximum Loan Amount: $150,000
Minimum loan of $5,000
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 4.25% - 17.75%.
As Low As
As Low As; Rates subject to change.
As Low As*
As Low As*
As low as
As low as
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As low as
- Oct 4, 20264.34%▲ from 4.24%
- Sep 25, 20264.24%first recorded
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Percent of Financing: 100%
As low as
- Oct 4, 20264.44%▲ from 4.34%
- Sep 25, 20264.34%first recorded
As low as**; ***; Maximum Loan Amount: $150,000
Minimum loan of $5,000
Rates as low as: (0 - 1 year)
- Oct 5, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Published APR range: 4.49% - 12.49%.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Published APR range: 4.50-10.00%. 100% NADA Retail/MSRP
Published APR range: 4.50 to 12.00%.
As low as
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
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
Max. APR: 13.19%
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Percent of Financing: 100%
As low as**; ***; Maximum Loan Amount: $150,000
Minimum loan of $5,000
Annual percentage rate may vary depending on individual credit history and underwriting terms. View www.topsidefcu.org/loan-rates for more information.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.740% - 12.240%.
- Oct 10, 20264.74%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; 61-72 month financing available for automobiles over $20,000
As Low As; 61-72 month financing available for automobiles over $20,000
Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As Low As*
As low as
- Sep 17, 20264.84%▲ from 4.74%
- Sep 14, 20264.74%first recorded
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as
- Oct 4, 20264.84%▲ from 4.74%
- Sep 25, 20264.74%first recorded
As Low As; Minimum of $1,000 loan
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
Percent of Financing: 100% (min. $20,000)
Minimum loan of $15,000
As low as; Modal Year: 2025 & newer
As Low As
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Published APR range: 4.99% - 18%.
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; Rates as of October 12, 2026; Signal Smart Plus with automatic payments; add 0.25% APR for members not enrolled; minimum loan $5,000 (minimum 580 credit score)
Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
Models 2024 and Newer; Current APR as of 9/23/2026; includes .25% autopay discount and .25% B+ credit/80% LTV discount; 4.74% is the minimum APR offered
As Low As; depends on creditworthiness.
Published APR range: 5.00-10.50%. 100% NADA Retail/MSRP
Published APR range: 5.00% to 18.00%. The APR received will be within the range disclosed above. The rate will be based on each member's creditworthiness, term of the loan, and value of collateral offered compared to amount of loan. Please ask for the rate that you may qualify for.
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; New Cars: 2025 models and newer; Fixed APR; Financing up to 135% of NADA Retail Value
As low as
- Sep 17, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As low as
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.
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
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
Max. APR: 13.69%
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
Percent of Financing: 100% (min. $20,000)
Chincoteague Used Auto Auto Loan Rates
As low as; Modal Year: 2020-2025
Published APR range: 3.50-9.25%. 100% NADA Retail/MSRP
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; Amount: up to 120%
As low as** ***; Loan Amounts: Maximum: $75,000
As low as; Modal Year: 2020-2025
Published APR range: 4.00% - 18.00%. Individual rates are based on credit score. Will not finance vehicles over 10 model years old.
Published rate range: 4.20% - 14.75%.
As low as** ***; Loan Amounts: Maximum: $75,000
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Minimum of $1,000 loan
As Low As; Used Car APR; Minimum of $1,000 loan
As Low As
As Low As
Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
As low as
- Oct 4, 20264.44%▲ from 4.34%
- Sep 25, 20264.34%first recorded
As low as** ***; Loan Amounts: Maximum: $75,000
As Low As; APR includes 0.25% automatic payment and direct deposit discount
Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Published APR range: 4.50-10.00%. 100% NADA Retail/MSRP
As low as
- Oct 4, 20264.54%▲ from 4.44%
- Sep 25, 20264.44%first recorded
Vehicles 2018 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. Max. APR: 13.19%
As Low As; Loan Amount: $2,500+
Up to 5 Years Old
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.
Rates Effective Date: October 1, 2026.
Additional APR listed for this product: 5.24%, 5.74%. Rates Effective Date: October 1, 2026.
As Low As; APR includes 0.25% automatic payment and direct deposit discount
As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Model Year: Used 2026-2025; Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Published APR range: 4.75% - 17.75%.
As low as
As Low As
As Low As; Rates subject to change.
As Low As
- Sep 17, 20264.84%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Up to 5 Years Old
As low as
- Oct 4, 20264.94%▲ from 4.84%
- Sep 25, 20264.84%first recorded
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; Modal Year: 2020-2025
As low as; Modal Year: 2016-2019
- Sep 17, 20264.99%▲ from 3.99%
- Sep 14, 20263.99%first recorded
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.990% - 12.890%.
As Low As*
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; Rate depends on model year; Minimum APR 4.74% regardless of discounts
As Low As; Rate depends on model year; Minimum APR 4.74% regardless of discounts
Published APR range: 5.00-10.50%. 100% NADA Retail/MSRP
Published APR range: 5.00% to 18.00%. The APR received will be within the range disclosed above. The rate will be based on each member's creditworthiness, term of the loan, and value of collateral offered compared to amount of loan. Please ask for the rate that you may qualify for.
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; Minimum of $1,000 loan
As Low As; Used Car APR; Minimum of $1,000 loan
As Low As
- Sep 17, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
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.
Model Year: Used 2026-2025; Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
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
Vehicles 2018 model year and newer. Vehicles with mileage of 100,000 or greater, an additional 1% will be added to the qualified rate. Max. APR: 13.69%
As low as
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
Up to 5 Years Old
As low as
Chincoteague, VA Auto Loan Rate Trends
Compare local Chincoteague, 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 0.096 points over the past 7 days to 5.061% APR.
Virginia used auto rates fell 0.044 points over the past 7 days to 5.703% APR.
Chincoteague, 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 @ 5.70% APR VA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.49/mo | $287.93/mo | $4.44/mo |
| $25,000 | $472.48/mo | $479.88/mo | $7.40/mo |
| $35,000 | $661.47/mo | $671.83/mo | $10.37/mo |
| $45,000 | $850.46/mo | $863.78/mo | $13.33/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 Chincoteague, Virginia
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Chincoteague, 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 Chincoteague, 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: Chincoteague, Virginia CD rates lock in a guaranteed return until you’re ready to buy
Chincoteague, 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 24.4% of the median individual income in Chincoteague, 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 Chincoteague, 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 Chincoteague, 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 Chincoteague, 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 Chincoteague, 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 Chincoteague, 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 Chincoteague, 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 Chincoteague, 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 Chincoteague, 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 Chincoteague, Virginia?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Chincoteague, Virginia?
- Central Virginia Federal Credit Union: 2.99% (New Auto)
- Norfolk Fire Department Federal Credit Union: 2.99% (New Auto Loan)
- Credit Union of Richmond: 3.49% (New Auto Purchase (Never Titled))
- Augusta Health Care Credit Union: 3.50% (2026+ New & Used Auto)
- United States Senate Federal Credit Union: 3.74% (New Auto Loan)
Chincoteague, Virginia Rates & Resources
