Auto Loan Rates in Fredericksburg, Virginia (VA) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Fredericksburg, Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Fredericksburg, Virginia include Baxter Credit UnionBaxter Credit Union1 Geico Blvd, Fredericksburg, VA, 22412A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Topside Federal Credit UnionTopside Federal Credit Union2004 Augustine Ave, Fredericksburg, VA, 22401A5.0 ★Texas Ratio: 6.59% offering New Auto Loans at 4.74%, InFirst Federal Credit UnionInFirst Federal Credit Union1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914A+5.0 ★Texas Ratio: 3.55% offering New and Used Auto Loans at 5.49%, Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit Union50 W Commerce Rd, Richmond, VA, 23224 2316A+5.0 ★Texas Ratio: 0.93% offering New and Used Vehicles at 2.49%, TruEnergy Federal Credit UnionTruEnergy Federal Credit Union6801 Industrial Rd, Springfield, VA, 22151A5.0 ★Texas Ratio: 8.31% offering New Vehicles at 2.74%.
Auto loan rates in Fredericksburg, Virginia are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Fredericksburg, Virginia. Auto Loan Rates Last Updated and Verified: March 23, 2026
Compare Auto Loan Rates Today in Fredericksburg, Virginia & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
4.74%
12 to 36
▼
APR4.74%
Term12 to 36
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
5.24%
12 to 36
▼
APR5.24%
Term12 to 36
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
5.74%
37 to 48
▼
APR5.74%
Term37 to 48
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA, 22412
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
5.99%
49 to 60
▼
APR5.99%
Term49 to 60
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
5.99%
37 to 48
▼
APR5.99%
Term37 to 48
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
6.49%
37 Months
▼
APR6.49%
Term37 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
6.49%
61 to 72
▼
APR6.49%
Term61 to 72
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
6.49%
49 to 60
▼
APR6.49%
Term49 to 60
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
6.74%
61 to 72
▼
APR6.74%
Term61 to 72
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
6.99%
49 Months
▼
APR6.99%
Term49 Months
Last UpdatedMar 20, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.19%
61 Months
▼
APR7.19%
Term61 Months
Last UpdatedMar 20, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.49%
67 Months
▼
APR7.49%
Term67 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
7.49%
73 to 84
▼
APR7.49%
Term73 to 84
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.74%
73 Months
▼
APR7.74%
Term73 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
7.74%
73 to 84
▼
APR7.74%
Term73 to 84
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
8.49%
79 Months
▼
APR8.49%
Term79 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Cash Out Refinances and Classic Cars
8.99%
12 to 60
▼
APR8.99%
Term12 to 60
Last UpdatedMar 22, 2026
Details
Contact Credit Union
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMar 17, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles
2.74%
Up to 60 Months
▼
APR2.74%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate
2.74%
Up to 60 Months
▼
APR2.74%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMar 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
New Auto
2.99%
48 MONTHS
▼
APR2.99%
Term48 MONTHS
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 18%
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedMar 21, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedMar 21, 2026
Details
As Low As; Model Year: 2025 and newer
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
As Low As
United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
3.34%
36-72 months
▼
APR3.34%
Term36-72 months
Last UpdatedMar 22, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
3.49%
0-48
▼
APR3.49%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMar 17, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS Model Years 2026 - 2023
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles
3.74%
61 to 72 Months
▼
APR3.74%
Term61 to 72 Months
Last UpdatedMar 22, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate
3.74%
61 to 72 Months
▼
APR3.74%
Term61 to 72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMar 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
3.89%
Up to 36 months
▼
APR3.89%
TermUp to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMar 21, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMar 21, 2026
Details
As Low As; Model Year: 2025 and newer
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New Auto Loan (2021 and newer)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedMar 23, 2026
Details
As Low As
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
New Vehicles
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMar 21, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedMar 15, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
4.24%
61-66
▼
APR4.24%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60
▼
APR4.24%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 36 months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
3381 VIRGINIA AVE, NARROWS, VA, 24124
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 18, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $150,000
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.24%
12-36
▼
APR4.24%
Term12-36
Last UpdatedMar 23, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.24%
12-36
▼
APR4.24%
Term12-36
Last UpdatedMar 23, 2026
Details
As Low As
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle
4.25%
12 - 96
▼
APR4.25%
Term12 - 96
Last UpdatedMar 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedMar 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMar 23, 2026
Details
As Low As
United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
4.34%
36-72 months
▼
APR4.34%
Term36-72 months
Last UpdatedMar 22, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.39%
2025 Mo
▼
APR4.39%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 15, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles
4.45%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48
▼
APR4.49%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 48 months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $150,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $75,000
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2023-2025 Auto Loan
4.50%
36-60
▼
APR4.50%
Term36-60
Last UpdatedMar 16, 2026
Details
100% NADA Retail
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
New Auto Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Up to 84 Months
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 21, 2026
Details
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
31 S Carlton St, Harrisonburg, VA, 22801 4324
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
▼
APR4.50%
Termup to 6 yrs
Last UpdatedMar 21, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.52%
2025 Mo
▼
APR4.52%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
4.60%
49 to 60 months
▼
APR4.60%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
2025 Car Loans
4.69%
up to 36
▼
APR4.69%
Termup to 36
Last UpdatedMar 20, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.70%
60 Months
▼
APR4.70%
Term60 Months
Last UpdatedMar 15, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 15, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
4.74%
67-72
▼
APR4.74%
Term67-72
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66
▼
APR4.74%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 60 months
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.74%
2025 Mo
▼
APR4.74%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMar 21, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMar 21, 2026
Details
As Low As; Model Year: 2025 and newer
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Rate based on evaluation of credit history
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar Used Vehicle Rate
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
Used Vehicles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $150,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $75,000
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.74%
49-63
▼
APR4.74%
Term49-63
Last UpdatedMar 23, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.74%
49-63
▼
APR4.74%
Term49-63
Last UpdatedMar 23, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones St, Gate City, VA, 24251
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.75%
75 Months
▼
APR4.75%
Term75 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2555 Lee Highway, Bristol, VA, 24201 1625
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMar 22, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
NEW AUTOS Model Years 2026 or newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS Model Year 2022 - 2020
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS Model Years 2026 - 2023
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 22, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan Used 2025-2024
4.79%
1 to 48 months
▼
APR4.79%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
2024 Car Loans
4.79%
up to 36
▼
APR4.79%
Termup to 36
Last UpdatedMar 20, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedMar 23, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedMar 17, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan Used 2025-2024
4.85%
49 to 60 months
▼
APR4.85%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMar 21, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
▼
APR4.87%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $7,000 loan
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
2023 Car Loans
4.89%
up to 36
▼
APR4.89%
Termup to 36
Last UpdatedMar 20, 2026
Details
As Low As
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
2026 Car Loans
4.89%
up to 36
▼
APR4.89%
Termup to 36
Last UpdatedMar 20, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 15, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 15, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2555 Lee Highway, Bristol, VA, 24201 1625
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMar 22, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMar 17, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 72 months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $15,000
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
10800 Main St, Fairfax, VA, 22030
Autos, Trucks, Vans New 2024-2026 models
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
3381 VIRGINIA AVE, NARROWS, VA, 24124
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMar 18, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
New Vehicle Loan
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $7,000 loan
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
New Car Loans
4.99%
12-36
▼
APR4.99%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
Used Car Loans (2024 and Older)
4.99%
12-36
▼
APR4.99%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
New Auto
4.99%
60 MONTHS
▼
APR4.99%
Term60 MONTHS
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 18%
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
723 5th St NE, Roanoke, VA, 24016 2123
Auto Loan 2022 - current
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 21, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Used Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 21, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 21, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New Automobile greater than
4.99%
60 - 84
▼
APR4.99%
Term60 - 84
Last UpdatedMar 21, 2026
Details
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 21, 2026
Details
Rate based on evaluation of credit history
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $150,000
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $75,000
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMar 22, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.99%
64 -75
▼
APR4.99%
Term64 -75
Last UpdatedMar 23, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.99%
64-75
▼
APR4.99%
Term64-75
Last UpdatedMar 23, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2020-2022 Auto Loan
5.00%
36-60
▼
APR5.00%
Term36-60
Last UpdatedMar 16, 2026
Details
90 % NADA Retail
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2023-2025 Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
2026 - 2020 Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Up to 84 Months
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used Vehicle
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMar 18, 2026
Details
Up to 96 Month Term
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
5.00%
61 to 66 months
▼
APR5.00%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Vehicle Loans New Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Vehicle Loans Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
1970 Roanoke Blvd, Salem, VA, 24153
Automobiles up to 5 years old
5.00%
up to 48 months
▼
APR5.00%
Termup to 48 months
Last UpdatedMar 21, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedMar 22, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 22, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Auto Loans
5.04%
0-60
▼
APR5.04%
Term0-60
Last UpdatedMar 17, 2026
Details
2020 - Present
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
▼
APR5.09%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA, 20151 2116
2022 Car Loans
5.09%
up to 36
▼
APR5.09%
Termup to 36
Last UpdatedMar 20, 2026
Details
As Low As
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As; Up to 125% of MSRP to include tax, tags, warranties and GAP
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA, 23325 2907
Auto Loans
5.14%
61-66
▼
APR5.14%
Term61-66
Last UpdatedMar 17, 2026
Details
2020 - Present
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.14%
66 Months
▼
APR5.14%
Term66 Months
Last UpdatedMar 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
New Auto Loans 2025 - Newer
5.14%
36 - 63
▼
APR5.14%
Term36 - 63
Last UpdatedMar 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones St, Gate City, VA, 24251
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA, 20151 3816
Vehicle Loans
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
New Vehicles
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedMar 21, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedMar 21, 2026
Details
As Low As; Model Year: 2025 and newer
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedMar 15, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
4.74%
12 to 36
▼
APR4.74%
Term12 to 36
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
5.74%
37 to 48
▼
APR5.74%
Term37 to 48
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
5.99%
49 to 60
▼
APR5.99%
Term49 to 60
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
6.49%
37 Months
▼
APR6.49%
Term37 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
6.49%
61 to 72
▼
APR6.49%
Term61 to 72
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
6.99%
49 Months
▼
APR6.99%
Term49 Months
Last UpdatedMar 20, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.19%
61 Months
▼
APR7.19%
Term61 Months
Last UpdatedMar 20, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.49%
67 Months
▼
APR7.49%
Term67 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
New Auto Loans
7.49%
73 to 84
▼
APR7.49%
Term73 to 84
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.74%
73 Months
▼
APR7.74%
Term73 Months
Last UpdatedMar 20, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
8.49%
79 Months
▼
APR8.49%
Term79 Months
Last UpdatedMar 20, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMar 17, 2026
Details
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles
2.74%
Up to 60 Months
▼
APR2.74%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate
2.74%
Up to 60 Months
▼
APR2.74%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMar 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
New Auto
2.99%
48 MONTHS
▼
APR2.99%
Term48 MONTHS
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 18%
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedMar 21, 2026
Details
As Low As; Model Year: 2025 and newer
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
3.49%
0-48
▼
APR3.49%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMar 17, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
New Vehicles
3.74%
61 to 72 Months
▼
APR3.74%
Term61 to 72 Months
Last UpdatedMar 22, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar New Vehicle Rate
3.74%
61 to 72 Months
▼
APR3.74%
Term61 to 72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMar 17, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
3.89%
Up to 36 months
▼
APR3.89%
TermUp to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMar 21, 2026
Details
As Low As; Model Year: 2025 and newer
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA, 23606
New Auto Loan (2021 and newer)
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
18 GOVERNMENT CENTER LN, VERONA, VA, 24482 2678
New Vehicles
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMar 21, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedMar 15, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
4.24%
61-66
▼
APR4.24%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 36 months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
3381 VIRGINIA AVE, NARROWS, VA, 24124
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 18, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $150,000
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.24%
12-36
▼
APR4.24%
Term12-36
Last UpdatedMar 23, 2026
Details
As Low As
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle
4.25%
12 - 96
▼
APR4.25%
Term12 - 96
Last UpdatedMar 17, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedMar 22, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 23, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.39%
2025 Mo
▼
APR4.39%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMar 15, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles
4.45%
36 Months
▼
APR4.45%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 48 months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $150,000
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA, 23188 7214
New Auto Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Up to 84 Months
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 21, 2026
Details
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
31 S Carlton St, Harrisonburg, VA, 22801 4324
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
▼
APR4.50%
Termup to 6 yrs
Last UpdatedMar 21, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.52%
2025 Mo
▼
APR4.52%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
4.60%
49 to 60 months
▼
APR4.60%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.70%
60 Months
▼
APR4.70%
Term60 Months
Last UpdatedMar 15, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
New Auto Purchase (Never Titled)
4.74%
67-72
▼
APR4.74%
Term67-72
Last UpdatedMar 16, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 60 months
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
New Cars: 2025 models and newer
4.74%
2025 Mo
▼
APR4.74%
Term2025 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMar 21, 2026
Details
As Low As; Model Year: 2025 and newer
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Rate based on evaluation of credit history
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $150,000
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.74%
49-63
▼
APR4.74%
Term49-63
Last UpdatedMar 23, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones St, Gate City, VA, 24251
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.75%
75 Months
▼
APR4.75%
Term75 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2555 Lee Highway, Bristol, VA, 24201 1625
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMar 22, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
NEW AUTOS Model Years 2026 or newer
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMar 22, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
New Auto
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMar 23, 2026
Details
As Low As
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
New Vehicles
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedMar 17, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMar 21, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $7,000 loan
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 15, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMar 17, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
New Auto Loan(Includes Refinance) - up to 72 months
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $15,000
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
10800 Main St, Fairfax, VA, 22030
Autos, Trucks, Vans New 2024-2026 models
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMar 17, 2026
Details
As Low As
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
3381 VIRGINIA AVE, NARROWS, VA, 24124
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMar 18, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
12011 Sunset Hills Rd Ste 110, Reston, VA, 20190 5919
New Vehicle Loan
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
New Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2025 & newer
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
New Car Loans
4.99%
12-36
▼
APR4.99%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Norfolk Fire Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4100 E Virginia Beach Blvd, Norfolk, VA, 23502 3331
New Auto
4.99%
60 MONTHS
▼
APR4.99%
Term60 MONTHS
Last UpdatedMar 20, 2026
Details
As Low As; Regular APR: 18%
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
New Autos
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMar 21, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New Automobile greater than
4.99%
60 - 84
▼
APR4.99%
Term60 - 84
Last UpdatedMar 21, 2026
Details
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 21, 2026
Details
Rate based on evaluation of credit history
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $150,000
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMar 22, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
New Auto Loans
4.99%
64 -75
▼
APR4.99%
Term64 -75
Last UpdatedMar 23, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used Vehicle
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMar 18, 2026
Details
Up to 96 Month Term
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan New 2025 (6,000 miles or less)
5.00%
61 to 66 months
▼
APR5.00%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Vehicle Loans New Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedMar 22, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
10301 DEMOCRACY LN STE 410, FAIRFAX, VA, 22030 2545
New Vehicle Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMar 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
New Car
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA, 22314
New Auto Loan
5.10%
66 Months
▼
APR5.10%
Term66 Months
Last UpdatedMar 13, 2026
Details
As Low As; Up to 125% of MSRP to include tax, tags, warranties and GAP
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.14%
66 Months
▼
APR5.14%
Term66 Months
Last UpdatedMar 17, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.58%
7321 Peppers Ferry Blvd, Fairlawn, VA, 24141
New Auto Loans 2025 - Newer
5.14%
36 - 63
▼
APR5.14%
Term36 - 63
Last UpdatedMar 22, 2026
Details
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
801 Sycolin Rd SE Ste 101, Leesburg, VA, 20175
New Vehicles
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA, 22802
New Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedMar 21, 2026
Details
As Low As; Model Year: 2025 and newer
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
New Auto Loans
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedMar 15, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
5.24%
12 to 36
▼
APR5.24%
Term12 to 36
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
5.99%
37 to 48
▼
APR5.99%
Term37 to 48
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
6.49%
37 Months
▼
APR6.49%
Term37 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
6.49%
49 to 60
▼
APR6.49%
Term49 to 60
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
6.74%
61 to 72
▼
APR6.74%
Term61 to 72
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
6.99%
49 Months
▼
APR6.99%
Term49 Months
Last UpdatedMar 20, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.19%
61 Months
▼
APR7.19%
Term61 Months
Last UpdatedMar 20, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.49%
67 Months
▼
APR7.49%
Term67 Months
Last UpdatedMar 20, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
7.74%
73 Months
▼
APR7.74%
Term73 Months
Last UpdatedMar 20, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA, 22401
Used Auto Loans
7.74%
73 to 84
▼
APR7.74%
Term73 to 84
Last UpdatedMar 22, 2026
Details
100% of MSRP/NADA Value
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1151 Carl D Silver Pkwy, Fredericksburg, VA, 22401 4914
New and Used Auto Loans
8.49%
79 Months
▼
APR8.49%
Term79 Months
Last UpdatedMar 20, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMar 17, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMar 17, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Used Auto Loan
3.25%
12-60
▼
APR3.25%
Term12-60
Last UpdatedMar 20, 2026
Details
As Low As
United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
3.34%
36-72 months
▼
APR3.34%
Term36-72 months
Last UpdatedMar 22, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMar 17, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
3.50%
36-60
▼
APR3.50%
Term36-60
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS Model Years 2026 - 2023
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMar 17, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
3.99%
36-60 months
▼
APR3.99%
Term36-60 months
Last UpdatedMar 23, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMar 21, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.24%
49-60
▼
APR4.24%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.24%
12-36
▼
APR4.24%
Term12-36
Last UpdatedMar 23, 2026
Details
As Low As
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
8959 Center St, Manassas, VA, 20110 5403
New/Used Vehicle
4.25%
12 - 96
▼
APR4.25%
Term12 - 96
Last UpdatedMar 17, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA, 22827 3628
Used Auto Loan
4.25%
72-120
▼
APR4.25%
Term72-120
Last UpdatedMar 20, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
4.29%
72 months
▼
APR4.29%
Term72 months
Last UpdatedMar 23, 2026
Details
As Low As
United Methodist Credit Union
Institution Rating:
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
4.34%
36-72 months
▼
APR4.34%
Term36-72 months
Last UpdatedMar 22, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.49%
0-48
▼
APR4.49%
Term0-48
Last UpdatedMar 16, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMar 18, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $75,000
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMar 21, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMar 15, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2022 and older)
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
4.74%
61-66
▼
APR4.74%
Term61-66
Last UpdatedMar 16, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA, 22310
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.74%
2024 Mo
▼
APR4.74%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMar 21, 2026
Details
Rate based on evaluation of credit history
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
TrueCar Used Vehicle Rate
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
As Low As
TruEnergy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial Rd, Springfield, VA, 22151
Used Vehicles
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $75,000
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.74%
49-63
▼
APR4.74%
Term49-63
Last UpdatedMar 23, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.75%
75 Months
▼
APR4.75%
Term75 Months
Last UpdatedMar 17, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA, 22312
Used Vehicles
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS Model Year 2022 - 2020
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS Model Years 2026 - 2023
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan Used 2025-2024
4.79%
1 to 48 months
▼
APR4.79%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $1,000 loan
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedMar 23, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedMar 17, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA, 23462 1752
Auto Loan Used 2025-2024
4.85%
49 to 60 months
▼
APR4.85%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA, 22201
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMar 21, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
4.87%
2024 Mo
▼
APR4.87%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA, 20166
Used Auto Up to 5 Years Old
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 15, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2555 Lee Highway, Bristol, VA, 24201 1625
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMar 22, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMar 17, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA, 20121
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2020-2025
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; - Minimum of $7,000 loan
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA, 23606
Used Car Loans (2024 and Older)
4.99%
12-36
▼
APR4.99%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA, 20147 5920
Used Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA, 24019
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMar 21, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA, 22314
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 21, 2026
Details
Rate based on evaluation of credit history
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA, 23185 5673
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
1310 Braddock Pl, Alexandria, VA, 22314 1691
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As; Maximum: $75,000
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA, 22903 2820
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMar 22, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA, 23238 1110
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 23, 2026
Details
As Low As
Henrico Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers Dr, Henrico, VA, 23228
Used Auto Loans
4.99%
64-75
▼
APR4.99%
Term64-75
Last UpdatedMar 23, 2026
Details
As Low As
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA, 24022
New and Used Vehicle
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMar 18, 2026
Details
Up to 96 Month Term
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
6890 Elm St, Mclean, VA, 22101
Vehicle Loans Used Auto
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA, 24540
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
▼
APR5.00%
Term24 Months or Less
Last UpdatedMar 22, 2026
Details
As Low As
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA, 22304 4886
Used Cars: 2021 - 2024 models
5.09%
2024 Mo
▼
APR5.09%
Term2024 Mo
Last UpdatedMar 18, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
5.14%
66 Months
▼
APR5.14%
Term66 Months
Last UpdatedMar 17, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones St, Gate City, VA, 24251
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMar 13, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in Fredericksburg, 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 Fredericksburg, 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 Fredericksburg, 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 Fredericksburg, Virginia?
Based on our current data, some of the lowest auto loan rates available in Fredericksburg, Virginia include:
- Baxter Credit Union: 3.24% (Auto Loans)
- Topside Federal Credit Union: 4.74% (New Auto Loans)
- InFirst Federal Credit Union: 5.49% (New and Used Auto Loans)
- Richmond Heritage Federal Credit Union: 2.49% (New and Used Vehicles)
- TruEnergy Federal Credit Union: 2.74% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Fredericksburg, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 23, 2026
