Auto Loan Rates in Spotsylvania, Virginia (VA) for May 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 Spotsylvania, Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Spotsylvania, Virginia include Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 0.93% offering New and Used Vehicles at 2.49%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit UnionA5.0 ★Texas Ratio: 8.27% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit UnionA+5.0 ★Texas Ratio: 0.52% offering Auto Loan at 3.24%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Credit Union of RichmondCredit Union of RichmondA+5.0 ★Texas Ratio: 0.60% offering New Auto Purchase (Never Titled) at 3.49%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Spotsylvania borrowers have access to 44 lenders serving the Virginia area, with auto loan rates as low as 2.49% APR from Richmond Heritage Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Spotsylvania, Virginia. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Spotsylvania, Virginia & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMay 6, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMay 6, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2020-2025
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedMay 7, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMay 6, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.49%
0-48
▼
APR3.49%
Term0-48
Last UpdatedMay 10, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2024
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMay 10, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMay 7, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2020-2025
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Refinanced Vehicle Loans
3.99%
49 - 60
▼
APR3.99%
Term49 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
▼
APR3.99%
Term36-60
Last UpdatedMay 12, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.04%
Up to 36 months
▼
APR4.04%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.04%
36 Months
▼
APR4.04%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedMay 7, 2026
Details
100% Financing
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
▼
APR4.20%
Term12 - 96
Last UpdatedMay 10, 2026
Details
APR4.20%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Vehicle Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.24%
61-66
▼
APR4.24%
Term61-66
Last UpdatedMay 10, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedMay 12, 2026
Details
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
4.34%
48 Months
▼
APR4.34%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.34%
48 Months
▼
APR4.34%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMay 7, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
▼
APR4.50%
Termup to 6 yrs
Last UpdatedMay 7, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 12, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New Auto Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 84 Months
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.54%
37 - 48 months
▼
APR4.54%
Term37 - 48 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
4.54%
Up to 36 months
▼
APR4.54%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
APR4.55%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.70%
60 Months
▼
APR4.70%
Term60 Months
Last UpdatedMay 7, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 7, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Auto Loans
4.74%
12 to 36
▼
APR4.74%
Term12 to 36
Last UpdatedMay 7, 2026
Details
100% of MSRP/NADA Value
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMay 7, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.74%
67-72
▼
APR4.74%
Term67-72
Last UpdatedMay 10, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMay 6, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2023 - 2022
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 12, 2026
Details
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Vehicle Loan
4.84%
48 Months
▼
APR4.84%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMay 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMay 6, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 7, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2023 - current
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2020-2025
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Auto Loans
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMay 7, 2026
Details
New Auto, 12-60 Month Term
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 12, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 12, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
2026 - 2020 Auto Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 84 Months
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMay 12, 2026
Details
Up to 96 Month Term
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.04%
0-60
▼
APR5.04%
Term0-60
Last UpdatedMay 7, 2026
Details
APR5.10%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.14%
61-66
▼
APR5.14%
Term61-66
Last UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedMay 7, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedMay 7, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedMay 7, 2026
Details
APR5.20%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
▼
APR5.24%
TermUp to 66 months
Last UpdatedMay 6, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
5.24%
Up to 66 months
▼
APR5.24%
TermUp to 66 months
Last UpdatedMay 6, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
Used Auto Loans
5.24%
12 to 36
▼
APR5.24%
Term12 to 36
Last UpdatedMay 7, 2026
Details
100% of MSRP/NADA Value
NAE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Auto Loans
5.24%
67-75
▼
APR5.24%
Term67-75
Last UpdatedMay 7, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Refinanced Vehicle Loans
5.24%
61 - 66
▼
APR5.24%
Term61 - 66
Last UpdatedMay 10, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
5.24%
73-78
▼
APR5.24%
Term73-78
Last UpdatedMay 10, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used 2019-2023 Autos, Trucks, Vans
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2021 - 2020
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 12, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.25%
2 Years
▼
APR5.25%
Term2 Years
Last UpdatedMay 12, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.35%
24 months
▼
APR5.35%
Term24 months
Last UpdatedMay 6, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMay 6, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMay 7, 2026
Details
APR5.40%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.44%
48 Months
▼
APR5.44%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Roanoke Valley Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loan 2022 - 2021
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2025 & newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2020-2025
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Refinanced Vehicle Loans
5.49%
67 - 75
▼
APR5.49%
Term67 - 75
Last UpdatedMay 10, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto APR1 Classic Vehicle Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
5.50%
up to 7 yrs
▼
APR5.50%
Termup to 7 yrs
Last UpdatedMay 7, 2026
Details
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - Used Autos** model year 2020-2024 (100% NADA value)
5.50%
up to 6 yrs
▼
APR5.50%
Termup to 6 yrs
Last UpdatedMay 7, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.50%
6 Years
▼
APR5.50%
Term6 Years
Last UpdatedMay 12, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedMay 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.52%
72 Months
▼
APR5.52%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Vehicle Loan
5.53%
60 Months
▼
APR5.53%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
Used Automobile 100% Or Less Financing
5.54%
48 months
▼
APR5.54%
Term48 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100% NADA Retail Value; Fixed; Rate based on evaluation of credit history.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Vehicle Loan
5.54%
72 Months
▼
APR5.54%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $15,000 loan
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Auto Loan
5.54%
73-84
▼
APR5.54%
Term73-84
Last UpdatedMay 7, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.54%
73-84
▼
APR5.54%
Term73-84
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details
As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 6, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Vehicle Loan
5.60%
48 months
▼
APR5.60%
Term48 months
Last UpdatedMay 6, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan
5.60%
60 Months
▼
APR5.60%
Term60 Months
Last UpdatedMay 6, 2026
Details
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Used Vehicles
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto
5.65%
72 Months
▼
APR5.65%
Term72 Months
Last UpdatedMay 10, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
▼
APR5.69%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles (6 to 10 years)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 36 months 125% NADA including tax, title, registration
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.70%
84 Months
▼
APR5.70%
Term84 Months
Last UpdatedMay 7, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 115,000.
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
Used Automobile 100% Or Less Financing
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100% NADA Retail Value; Fixed; Rate based on evaluation of credit history.
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMay 6, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMay 6, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2025 & newer
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.24%
0-36
▼
APR3.24%
Term0-36
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMay 6, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.49%
0-48
▼
APR3.49%
Term0-48
Last UpdatedMay 10, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS Model Years 2026 or newer
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
3.74%
49-60
▼
APR3.74%
Term49-60
Last UpdatedMay 10, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMay 6, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2025 & newer
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.20%
36 Months
▼
APR4.20%
Term36 Months
Last UpdatedMay 7, 2026
Details
100% Financing
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
▼
APR4.20%
Term12 - 96
Last UpdatedMay 10, 2026
Details
APR4.20%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.24%
61-66
▼
APR4.24%
Term61-66
Last UpdatedMay 10, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.25%
2 Years
▼
APR4.25%
Term2 Years
Last UpdatedMay 12, 2026
Details
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
4.34%
48 Months
▼
APR4.34%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.34%
48 Months
▼
APR4.34%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.40%
48 Months
▼
APR4.40%
Term48 Months
Last UpdatedMay 7, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
4.50%
up to 6 yrs
▼
APR4.50%
Termup to 6 yrs
Last UpdatedMay 7, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 12, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New Auto Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 84 Months
APR4.55%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.70%
60 Months
▼
APR4.70%
Term60 Months
Last UpdatedMay 7, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Auto Loans
4.74%
12 to 36
▼
APR4.74%
Term12 to 36
Last UpdatedMay 7, 2026
Details
100% of MSRP/NADA Value
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
4.74%
49-60
▼
APR4.74%
Term49-60
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
4.74%
67-72
▼
APR4.74%
Term67-72
Last UpdatedMay 10, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMay 6, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details
As Low As
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
4.75%
3 Years
▼
APR4.75%
Term3 Years
Last UpdatedMay 12, 2026
Details
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMay 12, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarNew Car
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
New Car
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 7, 2026
Details
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2025 & newer
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 10, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 12, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMay 12, 2026
Details
Up to 96 Month Term
APR5.10%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.19%
61-72
▼
APR5.19%
Term61-72
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
New Auto Loans
5.20%
84 Months
▼
APR5.20%
Term84 Months
Last UpdatedMay 7, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
New Auto Loans
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
New Auto Loans (Models 2024 and Newer)
5.24%
Up to 66 months
▼
APR5.24%
TermUp to 66 months
Last UpdatedMay 6, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
New Auto Purchase (Never Titled)
5.24%
73-78
▼
APR5.24%
Term73-78
Last UpdatedMay 10, 2026
Details
As Low As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
New 2024-2026 Autos, Trucks, Vans
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
NEW AUTOS
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.25%
5 Years
▼
APR5.25%
Term5 Years
Last UpdatedMay 12, 2026
Details
APR5.40%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
New Vehicles
5.44%
48 Months
▼
APR5.44%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
New Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
New Auto
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2025 & newer
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - New rate for 2025-2026
5.50%
up to 7 yrs
▼
APR5.50%
Termup to 7 yrs
Last UpdatedMay 7, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
New Vehicle Loan
5.50%
6 Years
▼
APR5.50%
Term6 Years
Last UpdatedMay 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.52%
72 Months
▼
APR5.52%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New Auto Loan
5.54%
73-84
▼
APR5.54%
Term73-84
Last UpdatedMay 7, 2026
Details
As Low As; Model Year: 2025 and newer
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details
As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
New Vehicles
5.64%
60 Months
▼
APR5.64%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto
5.65%
72 Months
▼
APR5.65%
Term72 Months
Last UpdatedMay 10, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
New Auto Loan
5.67%
84 Months
▼
APR5.67%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
▼
APR5.69%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.49%
36 months
▼
APR2.49%
Term36 months
Last UpdatedMay 6, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedMay 6, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2020-2025
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.49%
60 months
▼
APR3.49%
Term60 months
Last UpdatedMay 6, 2026
Details
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Years 2026 - 2024
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedMay 6, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2020-2025
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
3.99%
36-60
▼
APR3.99%
Term36-60
Last UpdatedMay 12, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedMay 12, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.04%
Up to 36 months
▼
APR4.04%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.04%
36 Months
▼
APR4.04%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
PWC Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
*New/Used Vehicle
4.20%
12 - 96
▼
APR4.20%
Term12 - 96
Last UpdatedMay 10, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.29%
72 Months
▼
APR4.29%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 12, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.54%
37 - 48 months
▼
APR4.54%
Term37 - 48 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
4.54%
Up to 36 months
▼
APR4.54%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 7, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2023 - 2022
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
FRONT ROYAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles 2025 and Older
4.79%
84 Months
▼
APR4.79%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
PAHO WHO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
New or Used Vehicle Loans
4.85%
60 months
▼
APR4.85%
Term60 months
Last UpdatedMay 12, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMay 6, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 7, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New and Used Vehicles
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 6, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Car
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2020-2025
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
New and Used Autos
4.99%
flexible terms available
▼
APR4.99%
Termflexible terms available
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New and Used VehicleS
5.00%
96 Months
▼
APR5.00%
Term96 Months
Last UpdatedMay 12, 2026
Details
Up to 96 Month Term
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.92%
Used Auto Loan
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
5.04%
37 - 48 months
▼
APR5.04%
Term37 - 48 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedMay 7, 2026
Details
APR5.20%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan of $5,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Used Auto Loans
5.24%
Up to 66 months
▼
APR5.24%
TermUp to 66 months
Last UpdatedMay 6, 2026
Details
As Low As
Topside Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
Used Auto Loans
5.24%
12 to 36
▼
APR5.24%
Term12 to 36
Last UpdatedMay 7, 2026
Details
100% of MSRP/NADA Value
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 12, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Used 2019-2023 Autos, Trucks, Vans
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details
As Low As
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
Virginia Beach Postal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
USED AUTOS Model Year 2021 - 2020
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As; **Loan rate starting at..., based on credit score.
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.25%
2 Years
▼
APR5.25%
Term2 Years
Last UpdatedMay 12, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMay 7, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan amount $15,000; vehicle must be no more than 7 model years old. Maximum mileage of 115,000.
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.61%
Used Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
New/Used Automobile 100% Or Less Financing
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100.00%; Fixed; Rate based on evaluation of credit history. Min. finance amt. $30,000 for 84 months term
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Used Autos
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Congressional Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.60%
Used Vehicle Loan
5.49%
49 - 60 months
▼
APR5.49%
Term49 - 60 months
Last UpdatedMay 6, 2026
Details
As Low As; - Minimum of $7,000 loan
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.27%
Used Auto
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details
As Low As; 2020-2025
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto APR1 Classic Vehicle Loans
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
Mosaic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.59%
Auto Loan Special (Feb 14 - Jun 30) - Used Autos** model year 2020-2024 (100% NADA value)
5.50%
up to 6 yrs
▼
APR5.50%
Termup to 6 yrs
Last UpdatedMay 7, 2026
Details
WATERBURY POSTAL EMPLOYEES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Used Vehicle Loan
5.50%
3 Years
▼
APR5.50%
Term3 Years
Last UpdatedMay 12, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
Used Automobile 100% Or Less Financing
5.54%
48 months
▼
APR5.54%
Term48 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100% NADA Retail Value; Fixed; Rate based on evaluation of credit history.
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Used Vehicles
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedMay 4, 2026
Details
As Low As
Bronco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.34%
New and Used Vehicles
5.69%
60 Months
▼
APR5.69%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Loudoun Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
Used Vehicles (6 to 10 years)
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 36 months 125% NADA including tax, title, registration
Strategic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
Used Auto Up to 5 Years Old
5.70%
84 Months
▼
APR5.70%
Term84 Months
Last UpdatedMay 7, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Used Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 4, 2026
Details
As Low As; Minimum loan amount $25,000; vehicle must be no more than 3 model years old (current plus 2 previous models). Maximum mileage of 115,000.
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
Used Automobile 100% Or Less Financing
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedMay 6, 2026
Details
Amount Financed: 100% NADA Retail Value; Fixed; Rate based on evaluation of credit history.
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Spotsylvania, VA Auto Loan Rate Trends
Compare local Spotsylvania, VA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — VA Avg
5.372%
▲ 0.321 vs 7 days ago
Virginia new auto rates rose 0.321 points over the past 7 days to 5.372% APR.
Used Auto Loan — VA Avg
6.140%
▼ 0.007 vs 7 days ago
Virginia used auto rates fell 0.007 points over the past 7 days to 6.140% APR.
As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions
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Frequently Asked Questions about Auto Loans in Spotsylvania, 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 Spotsylvania, 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 Spotsylvania, 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 Spotsylvania, Virginia?
Based on our current data, some of the lowest auto loan rates available in Spotsylvania, Virginia include:
- Richmond Heritage Federal Credit Union: 2.49% (New and Used Vehicles)
- Central Virginia Federal Credit Union: 2.99% (New Auto)
- Park View Federal Credit Union: 3.24% (Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- Credit Union of Richmond: 3.49% (New Auto Purchase (Never Titled))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Spotsylvania, Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
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