Current auto loan rates in Willis Wharf, Virginia include Norfolk Fire Department Federal Credit UnionNorfolk Fire Department Federal Credit UnionA+5.0 ★Texas Ratio: 0.73% offering New Auto Loan at 2.99%, Central Virginia Federal Credit UnionCentral Virginia Federal Credit UnionA5.0 ★Texas Ratio: 7.87% offering New Auto at 2.99%, Park View Federal Credit UnionPark View Federal Credit UnionA+5.0 ★Texas Ratio: 0.50% offering New Auto Loan at 3.24%, Richmond Heritage Federal Credit UnionRichmond Heritage Federal Credit UnionA+5.0 ★Texas Ratio: 0.92% offering New and Used Vehicles - up to 60 months Loan at 3.49%, Credit Union of RichmondCredit Union of RichmondA+5.0 ★Texas Ratio: 0.59% offering New Auto Purchase (Never Titled) 0-48 Months at 3.49%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Willis Wharf borrowers have access to 62 lenders serving the Virginia area, with auto loan rates as low as 2.99% APR from Norfolk Fire Department 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 Willis Wharf, Virginia. Auto Loan Rates Last Updated and Verified: August 28, 2026
As low as; 2025 & newer
As low as; 2020-2025
Model Year: 2025 and newer
As Low As
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
100% NADA Retail/MSRP
As low as; Maximum: $150,000
Model Year: 2019-2024
As Low As
As Low As; up to 120%
As Low As; up to 120%
As Low As; Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.
As low as; Maximum: $150,000
As low as** 3.99%***; Maximum: $75,000
As Low As*
As Low As
As Low As
As low as; Minimum of $1,000 loan
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
Model Year: 2025 and newer
As low as; 2025 & newer
As low as; 2020-2025
AS LOW AS; Rates as of 08/01/2026
Max. APR 12.49%
Max. APR 12.49%
As Low As; APR up to 15.00%
APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.
100% financing
As Low As
As Low As; Sample Monthly Payment for $20,000: $592; Minimum Loan Amount: No Minimum
2026 & Newer
As low as
100% Financing
Est. Monthly Payment (per $1,000 Financed) $29.61
As low as; Maximum: $150,000
As low as** 4.24%***; Maximum: $75,000
Minimum loan of $5,000
As Low As
Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
As low as; - Minimum of $1,000 loan
As low as; - Minimum of $1,000 loan
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
As Low As
As Low As
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As Low As
As Low As
As Low As
As Low As; Fixed
100% financing
As Low As*
Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
As low as; Maximum: $150,000
As low as** 4.49%***; Maximum: $75,000
Minimum loan of $5,000
As Low As
As Low As
New & Used/ Refinance (from other lender)
Model Year: 2019-2024
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
100% financing
100% NADA Retail/MSRP
As Low As
As Low As; Sample Monthly Payment for $20,000: $456; Minimum Loan Amount: $10,000
Est. Monthly Payment (per $1,000 Financed) $22.83
As Low As
As Low As; Sample Monthly Payment for $20,000: $374; Minimum Loan Amount: $10,000
Loan Amount: $5,000-$125,000
As Low As; Payment Example per $1,000 Borrowed: $43.81
Loan Amount: $2,500+
Max. APR 13.19%
Max. APR 13.19%
Up to 5 Years Old
As low as; Maximum: $150,000
As low as** 4.74%***; Maximum: $75,000
Minimum loan of $5,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As
Rate based on evaluation of credit history
Rate based on evaluation of credit history
Rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
As Low As
As Low As
Model Year: 2025 and newer
As Low As
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
100% financing
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
Est. Monthly Payment (per $1,000 Financed) $29.72
As Low As*
As Low As
As Low As; Sample Monthly Payment for $20,000: $320; Minimum Loan Amount: $20,000
Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
As low as; Minimum of $1,000 loan
As Low As
As Low As; Payment Example per $1,000 Borrowed: $29.98
Loan Amount: $2,500+
Maximum Amount $100,000
Up to 5 Years Old
As low as** 4.99%***; Maximum: $75,000
Minimum loan of $15,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As*
As Low As
As Low As
As Low As
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Rate based on evaluation of credit history
Rate based on evaluation of credit history
Minimum Loan Amount: $5,000
As Low As
APR = Annual Percentage Rate current as of 07/07/26 and is subject to change without notice. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is based on model year and term. Additional model year terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 2 percentage points to the oldest rates. Terms and rates will vary on loans for business purposes. Payment example: car loan with used model year of 2025 and loan amount of $20,000 for 36 months at 4.99% APR will have an estimated monthly payment of $599.33. Other restrictions may apply.
Model Year: 2023 - current
Rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
New & Used / Refinance (from other lender)
As low as; **72+ months over $20,000**
As Low As
As Low As
Model Year: 2019-2024
As low as; 2025 & newer
As low as; 2020-2025
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
Annual Percentage Rates shown are "as low as."
As Low As; Financing: 100%
As Low As
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
As low as*
Financing %: 80%
As Low As; depends on creditworthiness
100% financing
100% NADA Retail/MSRP
As Low As
As Low As; Sample Monthly Payment for $20,000: $461
As low as; - Minimum of $1,000 loan
As low as; - Minimum of $1,000 loan
Your APR may differ based on your loan amount, loan-to-value (LTV), repayment method, and other factors.
Minimum Loan Amount: $5,000
As low as; **72+ months over $20,000**
Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Up to $15,000; Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Est. Monthly Payment (per $1,000 Financed) $18.92
Model Year: 2025 - Newer
As Low As
As Low As; Sample Monthly Payment for $20,000: $379
2023 - 2025*
As low as
As low as; 2025 & newer
Model Year: 2025 and newer
As Low As
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
100% NADA Retail/MSRP
As low as; Maximum: $150,000
As Low As
As Low As; up to 120%
As Low As; Rate ranges above represent the lowest to highest rate available for the model year and term under normal underwriting guidelines. Possible 0.25% rate discount is available, depending on your credit score, for loans with a loan-to-value ratio under 80%. Total maximum rate discount is 0.25%. All auto loan rates, including promotional rates and discounts are subject to a 4.89% minimum APR for new autos.
As low as; Maximum: $150,000
As Low As*
As Low As
As low as; Minimum of $1,000 loan
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
Model Year: 2025 and newer
As low as; 2025 & newer
Max. APR 12.49%
As Low As; APR up to 15.00%
APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.
As Low As
As low as
100% Financing
Est. Monthly Payment (per $1,000 Financed) $29.61
As low as; Maximum: $150,000
Minimum loan of $5,000
As Low As
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
As Low As
As Low As
As Low As*
As low as; Maximum: $150,000
Minimum loan of $5,000
As Low As
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
100% NADA Retail/MSRP
As Low As
Est. Monthly Payment (per $1,000 Financed) $22.83
As Low As
Max. APR 13.19%
As low as; Maximum: $150,000
Minimum loan of $5,000
Rate based on evaluation of credit history
Rate based on evaluation of credit history
Rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
Lowest rate listed assumes top tier credit and all available discounts with our Discount Program.
As Low As
Model Year: 2025 and newer
As Low As
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
As Low As*
As Low As
As low as; Minimum of $1,000 loan
Maximum Amount $100,000
Minimum loan of $15,000
As Low As
$75,000; Rate based on evaluation of credit history. Max. finance amt. $150,000
Rate based on evaluation of credit history
Rate based on evaluation of credit history
As Low As
Rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.
As Low As
As low as; 2025 & newer
Annual Percentage Rates shown are "as low as."
As Low As; Financing: 100%
As Low As
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
As Low As; depends on creditworthiness
100% NADA Retail/MSRP
As Low As
Up to $25,000; Annual Percentage Rate. The auto loan rates above include discounts for automatic payment and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Up to $15,000; Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Est. Monthly Payment (per $1,000 Financed) $18.92
Model Year: 2025 - Newer
As Low As
As low as; 2020-2025
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
100% NADA Retail/MSRP
Model Year: 2019-2024
As Low As; up to 120%
As low as** 3.99%***; Maximum: $75,000
As low as; 2020-2025
Max. APR 12.49%
As Low As; APR up to 15.00%
APR up to 15.00%; Relationship Rewards Discount; Risk Based Pricing: The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness and other factors.
As low as** 4.24%***; Maximum: $75,000
As low as; - Minimum of $1,000 loan
As Low As
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As low as** 4.49%***; Maximum: $75,000
As Low As
Model Year: 2019-2024
100% NADA Retail/MSRP
Max. APR 13.19%
Up to 5 Years Old
As low as** 4.74%***; Maximum: $75,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As
Rate based on evaluation of credit history
Rate based on evaluation of credit history
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
As Low As
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
Loan rate starting at..., based on credit score.; Loyalty Discounts Available
New vehicles: Maximum term of 8 years. 140% financing rates as low as 4.75% APR. Used vehicles: Maximum term based on age of vehicle. Rates as low as 4.75% APR.
Est. Monthly Payment (per $1,000 Financed) $29.72
As Low As
Up to 5 Years Old
As low as** 4.99%***; Maximum: $75,000
Minimum loan of $5,000; vehicle must be no more than 10 model years old. Maximum mileage of 150,000.
As Low As*
As Low As
Rate based on evaluation of credit history
Rate based on evaluation of credit history
APR = Annual Percentage Rate current as of 07/07/26 and is subject to change without notice. Rate is based on an evaluation of your credit history, so your rate may differ. Rate is based on model year and term. Additional model year terms and rates are available. Rate is valid for purchases and refinances from another lender only; internal refinances are excluded from special rates. Cash out refinances are ineligible. Vehicles with mileage over 100,000 add 2 percentage points to rates. Classic cars add 2 percentage points to the oldest rates. Terms and rates will vary on loans for business purposes. Payment example: car loan with used model year of 2025 and loan amount of $20,000 for 36 months at 4.99% APR will have an estimated monthly payment of $599.33. Other restrictions may apply.
As Low As; Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 4.74% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply. Rate depends on model year.
As Low As
Model Year: 2019-2024
As low as; 2020-2025
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As Low As; Financing: 100%
Actual rate may be higher based on income, credit worthiness, and loan to value. Financing available for model years 2019 to current model year.
100% NADA Retail/MSRP
As low as; - Minimum of $1,000 loan
Up to $15,000; Rates include discounts for automatic payment and Member Loyalty Program. Total rate discounts cannot exceed 1.50%. Rates, terms, and conditions vary based on creditworthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.
Compare local Willis Wharf, VA auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Virginia new auto rates rose 0.289 points over the past 7 days to 5.513% APR.
Virginia used auto rates rose 0.377 points over the past 7 days to 6.012% APR.
Estimated monthly payments on a standard 60-month auto loan at today’s average Virginia APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.51% APR VA average | Used Auto @ 6.01% APR VA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.60/mo | $290.07/mo | $3.47/mo |
| $25,000 | $477.67/mo | $483.46/mo | $5.78/mo |
| $35,000 | $668.74/mo | $676.84/mo | $8.09/mo |
| $45,000 | $859.81/mo | $870.22/mo | $10.41/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
Our Willis Wharf, Virginia auto loan tables currently track 62 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Willis Wharf, Virginia database right now is 2.99% APR from Norfolk Fire Department Federal Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
A preapproval from a bank or credit union serving Willis Wharf, Virginia locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
Credit unions consistently offer some of the lowest auto loan APRs in Virginia. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)
A $573 monthly car payment works out to roughly 13.5% of the median individual income in Virginia. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Willis Wharf, Virginia — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Estimate your monthly payment on a new or used vehicle in Willis Wharf, Virginia. We’ve prefilled the APR with today’s VA new-auto average — or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Willis Wharf, Virginia auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Willis Wharf, Virginia directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Willis Wharf, Virginia. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in VA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.