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Auto Loan Rates in Elkton, Virginia (VA) for May 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Elkton, Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Elkton, Virginia include Merck Employees Federal Credit UnionMerck Employees Federal Credit Union2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628A+5.0 ★Texas Ratio: 0.22% offering Vehicle Loan at 5.35%, Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 0.93% offering New and Used Vehicles at 2.49%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit UnionA5.0 ★Texas Ratio: 8.27% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit UnionA+5.0 ★Texas Ratio: 0.52% offering Auto Loan at 3.24%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Elkton has 1 local institution in our database, with auto loan rates as low as 5.35% APR from Merck Employees Federal Credit Union at 2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Elkton, Virginia. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in Elkton, Virginia & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Vehicle Loan
5.35%
24 months
View
▼
APR5.35%
Term24 months
Last UpdatedMay 6, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Vehicle Loan
5.60%
48 months
View
▼
APR5.60%
Term48 months
Last UpdatedMay 6, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Vehicle Loan
5.85%
60 months
View
▼
APR5.85%
Term60 months
Last UpdatedMay 6, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Vehicle Loan
6.10%
72 months
View
▼
APR6.10%
Term72 months
Last UpdatedMay 6, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Vehicle Loan
6.35%
84 months
View
▼
APR6.35%
Term84 months
Last UpdatedMay 6, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedMay 6, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedMay 6, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2020-2025

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedMay 7, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedMay 6, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.49%
0-48
View
▼
APR3.49%
Term0-48
Last UpdatedMay 10, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2024
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
3.74%
36 Months
View
▼
APR3.74%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.74%
36 Months
View
▼
APR3.74%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.74%
49-60
View
▼
APR3.74%
Term49-60
Last UpdatedMay 10, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedMay 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 7, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2020-2025

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Refinanced Vehicle Loans
3.99%
49 - 60
View
▼
APR3.99%
Term49 - 60
Last UpdatedMay 10, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
View
▼
APR3.99%
Term36-60
Last UpdatedMay 12, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.04%
Up to 36 months
View
▼
APR4.04%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.04%
36 Months
View
▼
APR4.04%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedMay 7, 2026
Details

100% Financing

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedMay 10, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Vehicle Loan
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.24%
61-66
View
▼
APR4.24%
Term61-66
Last UpdatedMay 10, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
View
▼
APR4.25%
Term2 Years
Last UpdatedMay 12, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details

As Low As

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
View
▼
APR4.29%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedMay 7, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
View
▼
APR4.50%
Termup to 6 yrs
Last UpdatedMay 7, 2026
Details

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMay 12, 2026
Details

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New Auto Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 84 Months

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.54%
37 - 48 months
View
▼
APR4.54%
Term37 - 48 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.54%
48 Months
View
▼
APR4.54%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
4.54%
Up to 36 months
View
▼
APR4.54%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.55%
48 Months
View
▼
APR4.55%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
View
▼
APR4.60%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.70%
60 Months
View
▼
APR4.70%
Term60 Months
Last UpdatedMay 7, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedMay 7, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details

As Low As

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Auto Loans
4.74%
12 to 36
View
▼
APR4.74%
Term12 to 36
Last UpdatedMay 7, 2026
Details

100% of MSRP/NADA Value

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedMay 7, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.74%
67-72
View
▼
APR4.74%
Term67-72
Last UpdatedMay 10, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedMay 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
4.74%
24 Months
View
▼
APR4.74%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2023 - 2022
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedMay 12, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details

As Low As

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
View
▼
APR4.79%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Vehicle Loan
4.84%
48 Months
View
▼
APR4.84%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedMay 12, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedMay 6, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMay 7, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedMay 7, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2023 - current
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2020-2025

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60
View
▼
APR4.99%
Term12-60
Last UpdatedMay 7, 2026
Details

New Auto, 12-60 Month Term

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 10, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedMay 12, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedMay 12, 2026
Details

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
2026 - 2020 Auto Loan
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 84 Months

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedMay 12, 2026
Details

Up to 96 Month Term

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
5.04%
37 - 48 months
View
▼
APR5.04%
Term37 - 48 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.04%
0-60
View
▼
APR5.04%
Term0-60
Last UpdatedMay 7, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.14%
61-66
View
▼
APR5.14%
Term61-66
Last UpdatedMay 7, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
View
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedMay 6, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
36 months
View
▼
APR5.19%
Term36 months
Last UpdatedMay 6, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedMay 7, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.19%
36 Months
View
▼
APR5.19%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
5.20%
84 Months
View
▼
APR5.20%
Term84 Months
Last UpdatedMay 7, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.20%
60 Months
View
▼
APR5.20%
Term60 Months
Last UpdatedMay 7, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
5.20%
48 Months
View
▼
APR5.20%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedMay 6, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedMay 6, 2026
Details

As Low As

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
Used Auto Loans
5.24%
12 to 36
View
▼
APR5.24%
Term12 to 36
Last UpdatedMay 7, 2026
Details

100% of MSRP/NADA Value

NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.24%
67-75
View
▼
APR5.24%
Term67-75
Last UpdatedMay 7, 2026
Details

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Refinanced Vehicle Loans
5.24%
61 - 66
View
▼
APR5.24%
Term61 - 66
Last UpdatedMay 10, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
5.24%
73-78
View
▼
APR5.24%
Term73-78
Last UpdatedMay 10, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedMay 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used 2019-2023 Autos, Trucks, Vans
5.24%
24 Months
View
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2021 - 2020
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedMay 12, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.25%
2 Years
View
▼
APR5.25%
Term2 Years
Last UpdatedMay 12, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedMay 6, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedMay 7, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.44%
48 Months
View
▼
APR5.44%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedMay 6, 2026
Details

As Low As

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2022 - 2021
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
5.49%
49 - 60 months
View
▼
APR5.49%
Term49 - 60 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2025 & newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2020-2025

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Refinanced Vehicle Loans
5.49%
67 - 75
View
▼
APR5.49%
Term67 - 75
Last UpdatedMay 10, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
View
▼
APR5.49%
Term75 months
Last UpdatedMay 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto APR1 Classic Vehicle Loans
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
5.50%
up to 7 yrs
View
▼
APR5.50%
Termup to 7 yrs
Last UpdatedMay 7, 2026
Details

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - Used Autos** model year 2020-2024 (100% NADA value)
5.50%
up to 6 yrs
View
▼
APR5.50%
Termup to 6 yrs
Last UpdatedMay 7, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.50%
6 Years
View
▼
APR5.50%
Term6 Years
Last UpdatedMay 12, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.50%
3 Years
View
▼
APR5.50%
Term3 Years
Last UpdatedMay 12, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.52%
72 Months
View
▼
APR5.52%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Vehicle Loan
5.53%
60 Months
View
▼
APR5.53%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
Used Automobile 100% Or Less Financing
5.54%
48 months
View
▼
APR5.54%
Term48 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100% NADA Retail Value; Fixed; Rate based on evaluation of credit history.

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Vehicle Loan
5.54%
72 Months
View
▼
APR5.54%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $15,000 loan

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
5.54%
73-84
View
▼
APR5.54%
Term73-84
Last UpdatedMay 7, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.54%
73-84
View
▼
APR5.54%
Term73-84
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
View
▼
APR5.55%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details

As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedMay 6, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedMay 6, 2026
Details

As Low As

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
View
▼
APR5.59%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan
5.60%
60 Months
View
▼
APR5.60%
Term60 Months
Last UpdatedMay 6, 2026
Details

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.64%
60 Months
View
▼
APR5.64%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Used Vehicles
5.64%
36 Months
View
▼
APR5.64%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto
5.65%
72 Months
View
▼
APR5.65%
Term72 Months
Last UpdatedMay 10, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.67%
84 Months
View
▼
APR5.67%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
View
▼
APR5.69%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles (6 to 10 years)
5.69%
36 Months
View
▼
APR5.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 36 months 125% NADA including tax, title, registration

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedMay 6, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedMay 6, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2025 & newer

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
View
▼
APR3.24%
Term0-36
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedMay 6, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.49%
0-48
View
▼
APR3.49%
Term0-48
Last UpdatedMay 10, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
3.74%
36 Months
View
▼
APR3.74%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.74%
36 Months
View
▼
APR3.74%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.74%
49-60
View
▼
APR3.74%
Term49-60
Last UpdatedMay 10, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedMay 6, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2025 & newer

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedMay 7, 2026
Details

100% Financing

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedMay 10, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.20%
36 Months
View
▼
APR4.20%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.24%
61-66
View
▼
APR4.24%
Term61-66
Last UpdatedMay 10, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
View
▼
APR4.25%
Term2 Years
Last UpdatedMay 12, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedMay 7, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
View
▼
APR4.50%
Termup to 6 yrs
Last UpdatedMay 7, 2026
Details

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMay 12, 2026
Details

Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New Auto Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 84 Months

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
4.55%
48 Months
View
▼
APR4.55%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.70%
60 Months
View
▼
APR4.70%
Term60 Months
Last UpdatedMay 7, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Auto Loans
4.74%
12 to 36
View
▼
APR4.74%
Term12 to 36
Last UpdatedMay 7, 2026
Details

100% of MSRP/NADA Value

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
View
▼
APR4.74%
Term49-60
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.74%
67-72
View
▼
APR4.74%
Term67-72
Last UpdatedMay 10, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedMay 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
4.74%
24 Months
View
▼
APR4.74%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details

As Low As

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
View
▼
APR4.75%
Term3 Years
Last UpdatedMay 12, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedMay 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
60 Months
View
▼
APR4.89%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMay 7, 2026
Details

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2025 & newer

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 10, 2026
Details

As Low As

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedMay 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
View
▼
APR5.00%
Term4 Years
Last UpdatedMay 12, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedMay 12, 2026
Details

Up to 96 Month Term

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.10%
60 Months
View
▼
APR5.10%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
View
▼
APR5.19%
Term61-72
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.19%
36 Months
View
▼
APR5.19%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
5.20%
84 Months
View
▼
APR5.20%
Term84 Months
Last UpdatedMay 7, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
5.24%
84 Months
View
▼
APR5.24%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedMay 6, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
5.24%
73-78
View
▼
APR5.24%
Term73-78
Last UpdatedMay 10, 2026
Details

As Low As

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.25%
5 Years
View
▼
APR5.25%
Term5 Years
Last UpdatedMay 12, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.44%
48 Months
View
▼
APR5.44%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2025 & newer

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
View
▼
APR5.49%
Term75 months
Last UpdatedMay 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
5.50%
up to 7 yrs
View
▼
APR5.50%
Termup to 7 yrs
Last UpdatedMay 7, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.50%
6 Years
View
▼
APR5.50%
Term6 Years
Last UpdatedMay 12, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.52%
72 Months
View
▼
APR5.52%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.54%
73-84
View
▼
APR5.54%
Term73-84
Last UpdatedMay 7, 2026
Details

As Low As; Model Year: 2025 and newer

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
View
▼
APR5.55%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details

As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
View
▼
APR5.59%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.64%
60 Months
View
▼
APR5.64%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto
5.65%
72 Months
View
▼
APR5.65%
Term72 Months
Last UpdatedMay 10, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.67%
84 Months
View
▼
APR5.67%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
View
▼
APR5.69%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
View
▼
APR2.49%
Term36 months
Last UpdatedMay 6, 2026
Details

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedMay 6, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2020-2025

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
View
▼
APR3.49%
Term60 months
Last UpdatedMay 6, 2026
Details

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2024
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
View
▼
APR3.75%
Term72 months
Last UpdatedMay 6, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2020-2025

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
View
▼
APR3.99%
Term36-60
Last UpdatedMay 12, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.04%
Up to 36 months
View
▼
APR4.04%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.04%
36 Months
View
▼
APR4.04%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
View
▼
APR4.20%
Term12 - 96
Last UpdatedMay 10, 2026
Details

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
View
▼
APR4.29%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMay 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.54%
37 - 48 months
View
▼
APR4.54%
Term37 - 48 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.54%
48 Months
View
▼
APR4.54%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
4.54%
Up to 36 months
View
▼
APR4.54%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
View
▼
APR4.60%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.70%
36 Months
View
▼
APR4.70%
Term36 Months
Last UpdatedMay 7, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2023 - 2022
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
View
▼
APR4.79%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
View
▼
APR4.85%
Term60 months
Last UpdatedMay 12, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedMay 7, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
View
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.99%
49 - 60 months
View
▼
APR4.99%
Term49 - 60 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2020-2025

University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
View
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 10, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
View
▼
APR5.00%
Term96 Months
Last UpdatedMay 12, 2026
Details

Up to 96 Month Term

Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
5.04%
37 - 48 months
View
▼
APR5.04%
Term37 - 48 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $1,000 loan

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
View
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.20%
60 Months
View
▼
APR5.20%
Term60 Months
Last UpdatedMay 7, 2026
Details

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
5.20%
48 Months
View
▼
APR5.20%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
5.24%
Up to 66 months
View
▼
APR5.24%
TermUp to 66 months
Last UpdatedMay 6, 2026
Details

As Low As

Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
Used Auto Loans
5.24%
12 to 36
View
▼
APR5.24%
Term12 to 36
Last UpdatedMay 7, 2026
Details

100% of MSRP/NADA Value

Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedMay 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used 2019-2023 Autos, Trucks, Vans
5.24%
24 Months
View
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2021 - 2020
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As; **Loan rate starting at..., based on credit score.

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.25%
2 Years
View
▼
APR5.25%
Term2 Years
Last UpdatedMay 12, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.40%
72 Months
View
▼
APR5.40%
Term72 Months
Last UpdatedMay 7, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 4, 2026
Details

As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.

United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 4, 2026
Details

As Low As

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
View
▼
APR5.49%
Term84 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
5.49%
49 - 60 months
View
▼
APR5.49%
Term49 - 60 months
Last UpdatedMay 6, 2026
Details

As Low As; - Minimum of $7,000 loan

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As; 2020-2025

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto APR1 Classic Vehicle Loans
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details

Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - Used Autos** model year 2020-2024 (100% NADA value)
5.50%
up to 6 yrs
View
▼
APR5.50%
Termup to 6 yrs
Last UpdatedMay 7, 2026
Details

WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.50%
3 Years
View
▼
APR5.50%
Term3 Years
Last UpdatedMay 12, 2026
Details

Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
Used Automobile 100% Or Less Financing
5.54%
48 months
View
▼
APR5.54%
Term48 months
Last UpdatedMay 6, 2026
Details

Amount Financed: 100% NADA Retail Value; Fixed; Rate based on evaluation of credit history.

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
View
▼
APR5.59%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Used Vehicles
5.64%
36 Months
View
▼
APR5.64%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
View
▼
APR5.69%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles (6 to 10 years)
5.69%
36 Months
View
▼
APR5.69%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 36 months 125% NADA including tax, title, registration

Elkton, VA Auto Loan Rate Trends

Compare local Elkton, 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.

View Full Virginia Auto Trends →
New Auto Loan — VA Avg
5.372%
▲ 0.321 vs 7 days ago

Virginia new auto rates rose 0.321 points over the past 7 days to 5.372% APR.

Used Auto Loan — VA Avg
6.140%
▼ 0.007 vs 7 days ago

Virginia used auto rates fell 0.007 points over the past 7 days to 6.140% APR.

As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Elkton, Virginia

How does my credit score affect my car loan rate in Virginia?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Elkton, Virginia with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Virginia *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Elkton, Virginia typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Elkton, Virginia?

Based on our current data, some of the lowest auto loan rates available in Elkton, Virginia include:
  • Merck Employees Federal Credit Union: 5.35% (Vehicle Loan)
  • Richmond Heritage Federal Credit Union: 2.49% (New and Used Vehicles)
  • Central Virginia Federal Credit Union: 2.99% (New Auto)
  • Park View Federal Credit Union: 3.24% (Auto Loan)
  • Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Elkton, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

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