Beckley, West Virginia Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Beckley, West Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Beckley, West Virginia include Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union3695 Robert C Byrd Dr, Beckley, WV, 25801 9069A5.0 ★Texas Ratio: 7.13% offering New/Used Vehicles - 24 Mo. Loan at 4.00%, Mountain Heritage Federal Credit UnionMountain Heritage Federal Credit Union110 N Heber St, Beckley, WV, 25801A5.0 ★Texas Ratio: 9.40% offering NEW Vehicle Loans at 4.00%, Celco Community Federal Credit UnionCelco Community Federal Credit Union3871 Robert C Byrd Dr, Beckley, WV, 25801A+5.0 ★Texas Ratio: 3.29% offering New Autos at 4.24%, Chase BankChase Bank4140 Robert C Byrd Dr, Beckley, WV, 25801A+5.0 ★Texas Ratio: 3.77% offering New car purchase Loan at 5.94%, WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.33% offering New or Used Vehicle Loans at 2.49%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Beckley has 4 local institutions in our database, with auto loan rates as low as 4.00% APR from Bayer Heritage Federal Credit Union at 3695 Robert C Byrd Dr, Beckley, WV, 25801 9069. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Beckley, West Virginia. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Beckley, West Virginia & Surrounding Area
Beckley Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
4.00%
24 or 36
▼
APR4.00%
Term24 or 36
Last UpdatedSep 14, 2026
Details
For amounts up to $23,000
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
Used Vehicle Loans
4.00%
24 or 36 months
▼
APR4.00%
Term24 or 36 months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2025-2026
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
4140 Robert C Byrd Dr, Beckley, WV, 25801
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedSep 14, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
4140 Robert C Byrd Dr, Beckley, WV, 25801
New car rate Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedSep 14, 2026
Details
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
4140 Robert C Byrd Dr, Beckley, WV, 25801
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedSep 14, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
4140 Robert C Byrd Dr, Beckley, WV, 25801
Used car rate Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedSep 14, 2026
Details
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2023-2024
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
6.00%
48 Mo
▼
APR6.00%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
6.25%
24 Months
▼
APR6.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
Used Vehicle Loans
6.25%
48 months
▼
APR6.25%
Term48 months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2021-2022
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
6.50%
48 Mo
▼
APR6.50%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
6.50%
60 Mo.
▼
APR6.50%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
6.75%
60 Mo.
▼
APR6.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
Used Vehicle Loans
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2012 - 2020
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
7.00%
72 Mo.
▼
APR7.00%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
7.25%
72 Mo.
▼
APR7.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
7.40%
72 Months
▼
APR7.40%
Term72 Months
Last UpdatedSep 14, 2026
Details
For amounts over $23,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
7.50%
84 Mo.
▼
APR7.50%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
7.75%
36 Months
▼
APR7.75%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
7.75%
84 Mo.
▼
APR7.75%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan - 84 Months
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
7.75%
132 Mo
▼
APR7.75%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
Used Vehicle Loans
7.75%
72 months
▼
APR7.75%
Term72 months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Classic/Collectible
7.99%
48 Months
▼
APR7.99%
Term48 Months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2002 - 2011
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
8.00%
132 Mo
▼
APR8.00%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
8.25%
180 Mo
▼
APR8.25%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
8.25%
48 Mo
▼
APR8.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
8.50%
180 Mo
▼
APR8.50%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
8.75%
60 Mo.
▼
APR8.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
8.75%
60 Months
▼
APR8.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2001 and Older
8.99%
24 Months
▼
APR8.99%
Term24 Months
Last UpdatedSep 14, 2026
Details
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
9.00%
84 Months
▼
APR9.00%
Term84 Months
Last UpdatedSep 14, 2026
Details
For amounts over $40,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
9.25%
72 Mo.
▼
APR9.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
9.25%
72 Months
▼
APR9.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
9.75%
48 Mo
▼
APR9.75%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
9.75%
84 Mo.
▼
APR9.75%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
10.00%
132 Mo
▼
APR10.00%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
10.25%
84 Months
▼
APR10.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
10.50%
180 Mo
▼
APR10.50%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
10.75%
60 Mo.
▼
APR10.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
11.25%
72 Mo.
▼
APR11.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
12.25%
24 Months
▼
APR12.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
12.25%
36 Months
▼
APR12.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
12.25%
84 Mo.
▼
APR12.25%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
12.75%
48 Months
▼
APR12.75%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
14.25%
24 Months
▼
APR14.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
14.25%
48 Mo
▼
APR14.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
14.25%
60 Months
▼
APR14.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
15.25%
36 Months
▼
APR15.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
15.25%
48 Months
▼
APR15.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
16.25%
48 Mo
▼
APR16.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 549 or Less; Grade of Paper: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
16.25%
60 Mo.
▼
APR16.25%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
16.25%
60 Months
▼
APR16.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
16.25%
84 Months
▼
APR16.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
17.25%
60 Mo.
▼
APR17.25%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 549 or Less; Grade of Paper: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
17.25%
72 Mo.
▼
APR17.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
17.25%
72 Months
▼
APR17.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
17.25%
84 Mo.
▼
APR17.25%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan - 84 Months
17.25%
84 Months
▼
APR17.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedSep 12, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.99%
0-48 Months
▼
APR2.99%
Term0-48 Months
Last UpdatedSep 12, 2026
Details
As Low As
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
72-Month Auto Loan Promo
2.99%
72 months
▼
APR2.99%
Term72 months
Last UpdatedSep 14, 2026
Details
As Low As; 2023 & newer: 0-72 months with less than 45,000 miles and valued at $15,000 or more
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New and Used Auto Loans
2.99%
up to 84 months
▼
APR2.99%
Termup to 84 months
Last UpdatedSep 14, 2026
Details
As Low As; With qualifying credit and direct deposit with automatic payment.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans - 36MO
2.99%
36MO
▼
APR2.99%
Term36MO
Last UpdatedSep 14, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans - 48MO
2.99%
48MO
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2023
2.99%
48MO
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026 - 36MO
2.99%
36MO
▼
APR2.99%
Term36MO
Last UpdatedSep 14, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026 - 48MO
2.99%
48MO
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
3.25%
0-36 months
▼
APR3.25%
Term0-36 months
Last UpdatedSep 14, 2026
Details
As Low As; 2023 & newer
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto - 36 months
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2026-2025
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto - 48 months
3.49%
48 months
▼
APR3.49%
Term48 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2026-2025
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
3.49%
37-48 months
▼
APR3.49%
Term37-48 months
Last UpdatedSep 14, 2026
Details
As Low As; 2023 & newer
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
3.50%
1-36 Months
▼
APR3.50%
Term1-36 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.74%
49-60 Months
▼
APR3.74%
Term49-60 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto
3.74%
36 months
▼
APR3.74%
Term36 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2025-2023
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans
3.74%
up to 84 months
▼
APR3.74%
Termup to 84 months
Last UpdatedSep 16, 2026
Details
Qualifications Required: Pioneer checking + direct deposit; Members with Pioneer checking + direct deposit may qualify. Loans are subject to credit approval
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedSep 14, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 36 months
3.75%
36 months
▼
APR3.75%
Interest Rate3.75%
Term36 months
Last UpdatedSep 14, 2026
Details
Annual percentage rates may be as low as*
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedSep 14, 2026
Details
up to 110%
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan - 0-36 months
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedSep 14, 2026
Details
As Low As; 2018-2022
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan - 49-60 months
3.99%
49-60 months
▼
APR3.99%
Term49-60 months
Last UpdatedSep 14, 2026
Details
As Low As; 2023 & newer
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 36 months
4.00%
36 months
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 36-48 Months
4.00%
36-48 Months
▼
APR4.00%
Term36-48 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 48-60 Months
4.00%
48-60 Months
▼
APR4.00%
Term48-60 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedSep 14, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 48 months
4.00%
48 months
▼
APR4.00%
Interest Rate4.00%
Term48 months
Last UpdatedSep 14, 2026
Details
Annual percentage rates may be as low as*
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.00%
1-36 Months
▼
APR4.00%
Term1-36 Months
Last UpdatedSep 16, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.10%
38 Months
▼
APR4.10%
Interest Rate3.99%
Term38 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Auto Loan
4.23%
72 months
▼
APR4.23%
Interest Rate4.00%
Term72 months
Last UpdatedSep 16, 2026
Details
Rates as low as; Model Year: 2026-2024
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 61-72 Months
4.24%
61-72 Months
▼
APR4.24%
Term61-72 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 73-84 Months
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details
up to 110%
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2026-2025
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
NEW AUTO
4.24%
60 mth
▼
APR4.24%
Term60 mth
Last UpdatedSep 14, 2026
Details
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Pioneer Appalachia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
Auto Loans
4.24%
up to 84 months
▼
APR4.24%
Termup to 84 months
Last UpdatedSep 16, 2026
Details
Loans are subject to credit approval
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
4.25%
37-48 months
▼
APR4.25%
Term37-48 months
Last UpdatedSep 14, 2026
Details
As Low As; 2018-2022
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.25%
60-72 Months
▼
APR4.25%
Term60-72 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.25%
37-48 Months
▼
APR4.25%
Term37-48 Months
Last UpdatedSep 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 14, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 14, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 14, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 14, 2026
Details
As low as
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2026-2025
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2025-2023
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan
4.49%
61-72 months
▼
APR4.49%
Term61-72 months
Last UpdatedSep 14, 2026
Details
As Low As; 2023 & newer
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 14, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 14, 2026
Details
As low as
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
4.49%
60MO
▼
APR4.49%
Term60MO
Last UpdatedSep 14, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
4.49%
60MO
▼
APR4.49%
Term60MO
Last UpdatedSep 14, 2026
Details
As Low As
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 48 months
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
New Autos
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 14, 2026
Details
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.50%
72-84 Months
▼
APR4.50%
Term72-84 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A+
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New Car Loans
4.50%
84 months
▼
APR4.50%
Interest Rate4.50%
Term84 months
Last UpdatedSep 14, 2026
Details
2023 - current
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedSep 14, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 60 months
4.50%
60 months
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedSep 14, 2026
Details
Annual percentage rates may be as low as*
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.50%
49-60 Months
▼
APR4.50%
Term49-60 Months
Last UpdatedSep 16, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.58%
50 Months
▼
APR4.58%
Interest Rate4.49%
Term50 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedSep 16, 2026
Details
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Auto Loan
4.69%
84 months
▼
APR4.69%
Interest Rate4.50%
Term84 months
Last UpdatedSep 16, 2026
Details
Rates as low as; Model Year: 2026-2024
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
4.74%
73-84 Months
▼
APR4.74%
Term73-84 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicles and Motorcycles Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedSep 14, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Vehicle Loans
4.74%
6-year
▼
APR4.74%
Term6-year
Last UpdatedSep 14, 2026
Details
Rates, terms, and conditions are subject to change and may vary based on creditworthiness, model, year, term, and loan amount. All loans are subject to approval and not all applicants will qualify for the lowest rate. Rates are based on an A+ credit score, 10% equity in the vehicle, auto deduction from a DESCO Advantage Plus checking account, a current DESCO mortgage, and have a DESCO Credit Card. APR=Annual Percentage Rate; based off a $25,000.00 loan with a $150.00 loan origination fee. Approximate monthly loan payment at 4.74% is $402.08 on a $25,000.00 loan with a 6-year term.
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
USED AUTO
4.74%
60 mth
▼
APR4.74%
Term60 mth
Last UpdatedSep 14, 2026
Details
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 60 months
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 48 months
4.75%
48 months
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
As Low As
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A+
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
2019-2020 Used Auto Loan
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
2026 New Auto Loan
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
4.75%
66 months
▼
APR4.75%
Term66 months
Last UpdatedSep 14, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 66 months
4.75%
66 months
▼
APR4.75%
Interest Rate4.75%
Term66 months
Last UpdatedSep 14, 2026
Details
Annual percentage rates may be as low as*
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.75%
61-72 Months
▼
APR4.75%
Term61-72 Months
Last UpdatedSep 16, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.81%
62 Months
▼
APR4.81%
Interest Rate4.74%
Term62 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedSep 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 14, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 14, 2026
Details
As low as
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details
up to 110%
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto (20-23)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 14, 2026
Details
up to 110%
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2025-2023
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 72 months
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2025-2023
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan - 49-60 months
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedSep 14, 2026
Details
As Low As; 2018-2022
First Peoples Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Auto Loan - 73-84 months
4.99%
73-84 months
▼
APR4.99%
Term73-84 months
Last UpdatedSep 14, 2026
Details
As Low As; 2023 & newer
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
4.99%
Up to 60 payments
▼
APR4.99%
TermUp to 60 payments
Last UpdatedSep 14, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Titled vehicles Loan - 24
4.99%
24 Months
▼
APR4.99%
Interest Rate4.99%
Term24 Months
Last UpdatedSep 14, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Titled vehicles Loan - 36
4.99%
36 Months
▼
APR4.99%
Interest Rate4.99%
Term36 Months
Last UpdatedSep 14, 2026
Details
Marshall County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Titled vehicles Loan - 48
4.99%
48 Months
▼
APR4.99%
Interest Rate4.99%
Term48 Months
Last UpdatedSep 14, 2026
Details
($3000+)
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
4.99%
72MO
▼
APR4.99%
Term72MO
Last UpdatedSep 14, 2026
Details
As low as 2.99%
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
4.99%
72MO
▼
APR4.99%
Term72MO
Last UpdatedSep 14, 2026
Details
As Low As
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle (Up to 72 months) 95% LTV or less Loan
4.99%
72 months
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedSep 16, 2026
Details
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle (2024-2026 - 60 mos.) 95% LTV or less Loan
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedSep 16, 2026
Details
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 72 months
5.00%
72 months
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 60 months
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto - 36 Months
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto - 48 Months
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 49-60 Months
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A+
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Auto
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedSep 14, 2026
Details
Credit Score: A+ Credit Score above 740; APR Type: Fixed
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedSep 14, 2026
Details
West Virginia Central Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
Vehicle Loans - 72 months
5.00%
72 months
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 14, 2026
Details
Annual percentage rates may be as low as*
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
5.00%
73-84 Months
▼
APR5.00%
Term73-84 Months
Last UpdatedSep 16, 2026
Details
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Vehicle Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 16, 2026
Details
Age: 1-2 Model Years old
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.06%
66 Months
▼
APR5.06%
Interest Rate4.99%
Term66 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
Auto Loan
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Powered by
MonitorBankRates
Beckley New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
4.00%
24 or 36
▼
APR4.00%
Term24 or 36
Last UpdatedSep 14, 2026
Details
For amounts up to $23,000
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
New Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
New Autos
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
4140 Robert C Byrd Dr, Beckley, WV, 25801
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedSep 14, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
4140 Robert C Byrd Dr, Beckley, WV, 25801
New car rate Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedSep 14, 2026
Details
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
6.00%
48 Mo
▼
APR6.00%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
6.25%
24 Months
▼
APR6.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
6.50%
48 Mo
▼
APR6.50%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
6.50%
60 Mo.
▼
APR6.50%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
6.75%
60 Mo.
▼
APR6.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
7.00%
72 Mo.
▼
APR7.00%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
7.25%
72 Mo.
▼
APR7.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
7.40%
72 Months
▼
APR7.40%
Term72 Months
Last UpdatedSep 14, 2026
Details
For amounts over $23,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
7.50%
84 Mo.
▼
APR7.50%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
7.75%
36 Months
▼
APR7.75%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
7.75%
84 Mo.
▼
APR7.75%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan - 84 Months
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
7.75%
132 Mo
▼
APR7.75%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
8.00%
132 Mo
▼
APR8.00%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
8.25%
180 Mo
▼
APR8.25%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
8.25%
48 Mo
▼
APR8.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
8.50%
180 Mo
▼
APR8.50%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
8.75%
60 Mo.
▼
APR8.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
8.75%
60 Months
▼
APR8.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
NEW Vehicle Loans
9.00%
84 Months
▼
APR9.00%
Term84 Months
Last UpdatedSep 14, 2026
Details
For amounts over $40,000
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
9.25%
72 Mo.
▼
APR9.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
9.25%
72 Months
▼
APR9.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
9.75%
48 Mo
▼
APR9.75%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
9.75%
84 Mo.
▼
APR9.75%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
10.00%
132 Mo
▼
APR10.00%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
10.25%
84 Months
▼
APR10.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
10.50%
180 Mo
▼
APR10.50%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
10.75%
60 Mo.
▼
APR10.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
11.25%
72 Mo.
▼
APR11.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
12.25%
24 Months
▼
APR12.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
12.25%
36 Months
▼
APR12.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
12.25%
84 Mo.
▼
APR12.25%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
12.75%
48 Months
▼
APR12.75%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
14.25%
24 Months
▼
APR14.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
14.25%
48 Mo
▼
APR14.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
14.25%
60 Months
▼
APR14.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
15.25%
36 Months
▼
APR15.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
15.25%
48 Months
▼
APR15.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
16.25%
48 Mo
▼
APR16.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 549 or Less; Grade of Paper: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
16.25%
60 Mo.
▼
APR16.25%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
16.25%
60 Months
▼
APR16.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
16.25%
84 Months
▼
APR16.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
17.25%
60 Mo.
▼
APR17.25%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 549 or Less; Grade of Paper: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
17.25%
72 Mo.
▼
APR17.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
17.25%
72 Months
▼
APR17.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
17.25%
84 Mo.
▼
APR17.25%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan - 84 Months
17.25%
84 Months
▼
APR17.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedSep 12, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.99%
0-48 Months
▼
APR2.99%
Term0-48 Months
Last UpdatedSep 12, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New and Used Auto Loans
2.99%
up to 84 months
▼
APR2.99%
Termup to 84 months
Last UpdatedSep 14, 2026
Details
As Low As; With qualifying credit and direct deposit with automatic payment.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans - 36MO
2.99%
36MO
▼
APR2.99%
Term36MO
Last UpdatedSep 14, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans - 48MO
2.99%
48MO
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto - 36 months
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2026-2025
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto - 48 months
3.49%
48 months
▼
APR3.49%
Term48 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2026-2025
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
3.50%
1-36 Months
▼
APR3.50%
Term1-36 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.74%
49-60 Months
▼
APR3.74%
Term49-60 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedSep 14, 2026
Details
up to 110%
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 36 months
4.00%
36 months
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 36-48 Months
4.00%
36-48 Months
▼
APR4.00%
Term36-48 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto - 48-60 Months
4.00%
48-60 Months
▼
APR4.00%
Term48-60 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.00%
1-36 Months
▼
APR4.00%
Term1-36 Months
Last UpdatedSep 16, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.10%
38 Months
▼
APR4.10%
Interest Rate3.99%
Term38 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 61-72 Months
4.24%
61-72 Months
▼
APR4.24%
Term61-72 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 73-84 Months
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details
up to 110%
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2026-2025
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
NEW AUTO
4.24%
60 mth
▼
APR4.24%
Term60 mth
Last UpdatedSep 14, 2026
Details
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.25%
60-72 Months
▼
APR4.25%
Term60-72 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.25%
37-48 Months
▼
APR4.25%
Term37-48 Months
Last UpdatedSep 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 14, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 14, 2026
Details
As low as
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
New Auto
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2026-2025
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 14, 2026
Details
As low as
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
4.49%
60MO
▼
APR4.49%
Term60MO
Last UpdatedSep 14, 2026
Details
As Low As
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 48 months
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
167th TFR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
New Autos
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 14, 2026
Details
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.50%
72-84 Months
▼
APR4.50%
Term72-84 Months
Last UpdatedSep 14, 2026
Details
rates as low as; Model Year: 2025 - 2024
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A+
Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
New Car Loans
4.50%
84 months
▼
APR4.50%
Interest Rate4.50%
Term84 months
Last UpdatedSep 14, 2026
Details
2023 - current
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.50%
49-60 Months
▼
APR4.50%
Term49-60 Months
Last UpdatedSep 16, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.58%
50 Months
▼
APR4.58%
Interest Rate4.49%
Term50 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
New Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
4.74%
73-84 Months
▼
APR4.74%
Term73-84 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Cha-Tel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
New Vehicles and Motorcycles Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedSep 14, 2026
Details
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 60 months
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 0-36 Months
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A+
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
2026 New Auto Loan
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
4.75%
61-72 Months
▼
APR4.75%
Term61-72 Months
Last UpdatedSep 16, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.81%
62 Months
▼
APR4.81%
Interest Rate4.74%
Term62 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 14, 2026
Details
As low as
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details
up to 110%
Putnam School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
4.99%
Up to 60 payments
▼
APR4.99%
TermUp to 60 payments
Last UpdatedSep 14, 2026
Details
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New Auto Loans
4.99%
72MO
▼
APR4.99%
Term72MO
Last UpdatedSep 14, 2026
Details
As low as 2.99%
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle (Up to 72 months) 95% LTV or less Loan
4.99%
72 months
▼
APR4.99%
Interest Rate4.99%
Term72 months
Last UpdatedSep 16, 2026
Details
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loan - 72 months
5.00%
72 months
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 37-48 Months
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A
Hancock School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
New Autos - 49-60 Months
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Rating: A+
Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Auto
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedSep 14, 2026
Details
Credit Score: A+ Credit Score above 740; APR Type: Fixed
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
New Vehicle Loan
5.00%
73-84 Months
▼
APR5.00%
Term73-84 Months
Last UpdatedSep 16, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.06%
66 Months
▼
APR5.06%
Interest Rate4.99%
Term66 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
Powered by
MonitorBankRates
Beckley Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
Used Vehicle Loans
4.00%
24 or 36 months
▼
APR4.00%
Term24 or 36 months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2025-2026
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 730+; Credit Grade: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 680 - 729; Credit Grade: A
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
4140 Robert C Byrd Dr, Beckley, WV, 25801
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedSep 14, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
4140 Robert C Byrd Dr, Beckley, WV, 25801
Used car rate Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedSep 14, 2026
Details
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2023-2024
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
6.00%
48 Mo
▼
APR6.00%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
6.25%
24 Months
▼
APR6.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
6.25%
36 Months
▼
APR6.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
Used Vehicle Loans
6.25%
48 months
▼
APR6.25%
Term48 months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2021-2022
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
6.50%
48 Mo
▼
APR6.50%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
6.50%
60 Mo.
▼
APR6.50%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
6.75%
60 Mo.
▼
APR6.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
Used Vehicle Loans
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2012 - 2020
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
7.00%
72 Mo.
▼
APR7.00%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
7.25%
72 Mo.
▼
APR7.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
7.50%
84 Mo.
▼
APR7.50%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
7.75%
36 Months
▼
APR7.75%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
7.75%
84 Mo.
▼
APR7.75%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan - 84 Months
7.75%
84 Months
▼
APR7.75%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 640 - 679; Credit Grade: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
7.75%
132 Mo
▼
APR7.75%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Mountain Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
110 N Heber St, Beckley, WV, 25801
Used Vehicle Loans
7.75%
72 months
▼
APR7.75%
Term72 months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Classic/Collectible
7.99%
48 Months
▼
APR7.99%
Term48 Months
Last UpdatedSep 14, 2026
Details
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2002 - 2011
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
8.00%
132 Mo
▼
APR8.00%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
8.25%
180 Mo
▼
APR8.25%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 730+; Grade of Paper: A+
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
8.25%
48 Mo
▼
APR8.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
8.50%
180 Mo
▼
APR8.50%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 680 - 729; Grade of Paper: A
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
8.75%
60 Mo.
▼
APR8.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
8.75%
60 Months
▼
APR8.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Celco Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
3871 Robert C Byrd Dr, Beckley, WV, 25801
Used Autos - Model Years 2001 and Older
8.99%
24 Months
▼
APR8.99%
Term24 Months
Last UpdatedSep 14, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
9.25%
72 Mo.
▼
APR9.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
9.25%
72 Months
▼
APR9.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
9.75%
48 Mo
▼
APR9.75%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
9.75%
84 Mo.
▼
APR9.75%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 96-132 Mo. Loan
10.00%
132 Mo
▼
APR10.00%
Term132 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
10.25%
84 Months
▼
APR10.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 144-180 Mo. Loan
10.50%
180 Mo
▼
APR10.50%
Term180 Mo
Last UpdatedSep 14, 2026
Details
Score: 640 - 679; Grade of Paper: B
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
10.75%
60 Mo.
▼
APR10.75%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
11.25%
72 Mo.
▼
APR11.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
12.25%
24 Months
▼
APR12.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 600 - 639; Credit Grade: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
12.25%
36 Months
▼
APR12.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
12.25%
84 Mo.
▼
APR12.25%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 600 - 639; Grade of Paper: C
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
12.75%
48 Months
▼
APR12.75%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24 Mo. Loan
14.25%
24 Months
▼
APR14.25%
Term24 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
14.25%
48 Mo
▼
APR14.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
14.25%
60 Months
▼
APR14.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 36 Mo. Loan
15.25%
36 Months
▼
APR15.25%
Term36 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 48 Mo. Loan
15.25%
48 Months
▼
APR15.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 24-48 MO. Loan
16.25%
48 Mo
▼
APR16.25%
Term48 Mo
Last UpdatedSep 14, 2026
Details
Score: 549 or Less; Grade of Paper: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
16.25%
60 Mo.
▼
APR16.25%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan - 60 Months
16.25%
60 Months
▼
APR16.25%
Term60 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
16.25%
84 Months
▼
APR16.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 550 - 599; Credit Grade: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 60 Mo. Loan
17.25%
60 Mo.
▼
APR17.25%
Term60 Mo.
Last UpdatedSep 14, 2026
Details
Score: 549 or Less; Grade of Paper: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan
17.25%
72 Mo.
▼
APR17.25%
Term72 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 72 Mo. Loan - 72 Months
17.25%
72 Months
▼
APR17.25%
Term72 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan
17.25%
84 Mo.
▼
APR17.25%
Term84 Mo.
Last UpdatedSep 14, 2026
Details
Score: 550 - 599; Grade of Paper: D
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.13%
3695 Robert C Byrd Dr, Beckley, WV, 25801 9069
New/Used Vehicles - 84 Mo. Loan - 84 Months
17.25%
84 Months
▼
APR17.25%
Term84 Months
Last UpdatedSep 14, 2026
Details
Credit Score: 549 or Less; Credit Grade: E
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.49%
0-48 Months
▼
APR2.49%
Term0-48 Months
Last UpdatedSep 12, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
2.99%
0-48 Months
▼
APR2.99%
Term0-48 Months
Last UpdatedSep 12, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
New and Used Auto Loans
2.99%
up to 84 months
▼
APR2.99%
Termup to 84 months
Last UpdatedSep 14, 2026
Details
As Low As; With qualifying credit and direct deposit with automatic payment.
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2023
2.99%
48MO
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026 - 36MO
2.99%
36MO
▼
APR2.99%
Term36MO
Last UpdatedSep 14, 2026
Details
As Low As
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026 - 48MO
2.99%
48MO
▼
APR2.99%
Term48MO
Last UpdatedSep 14, 2026
Details
As Low As
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.24%
49-60 Months
▼
APR3.24%
Term49-60 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.49%
61-72 Months
▼
APR3.49%
Term61-72 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
3.74%
49-60 Months
▼
APR3.74%
Term49-60 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto
3.74%
36 months
▼
APR3.74%
Term36 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2025-2023
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
3.99%
48 month
▼
APR3.99%
Term48 month
Last UpdatedSep 14, 2026
Details
up to 110%
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.10%
38 Months
▼
APR4.10%
Interest Rate3.99%
Term38 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 61-72 Months
4.24%
61-72 Months
▼
APR4.24%
Term61-72 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans - 73-84 Months
4.24%
73-84 Months
▼
APR4.24%
Term73-84 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedSep 14, 2026
Details
up to 110%
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Interest Rate3.99%
Term4 years
Last UpdatedSep 14, 2026
Details
As low as
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Interest Rate3.99%
Term3 years
Last UpdatedSep 14, 2026
Details
As low as
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2025-2023
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Interest Rate4.24%
Term5 years
Last UpdatedSep 14, 2026
Details
As low as
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
4.49%
60MO
▼
APR4.49%
Term60MO
Last UpdatedSep 14, 2026
Details
As Low As
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.58%
50 Months
▼
APR4.58%
Interest Rate4.49%
Term50 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Used Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedSep 16, 2026
Details
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
New or Used Vehicle Loans
4.74%
73-84 Months
▼
APR4.74%
Term73-84 Months
Last UpdatedSep 12, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Eastern Panhandle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
USED AUTO
4.74%
60 mth
▼
APR4.74%
Term60 mth
Last UpdatedSep 14, 2026
Details
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 48 months
4.75%
48 months
▼
APR4.75%
Interest Rate4.75%
Term48 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 14, 2026
Details
As Low As
Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
2019-2020 Used Auto Loan
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 14, 2026
Details
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
4.81%
62 Months
▼
APR4.81%
Interest Rate4.74%
Term62 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Interest Rate4.74%
Term6 years
Last UpdatedSep 14, 2026
Details
As low as
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New/Used Auto (2024-NEWER) Auto
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details
up to 110%
Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto (20-23)
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 14, 2026
Details
up to 110%
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2025-2023
Romney Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.24%
Used Auto - 72 months
4.99%
72 months
▼
APR4.99%
Term72 months
Last UpdatedSep 14, 2026
Details
As Low As; Model Year: 2025-2023
First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Used Auto - 2024-2026
4.99%
72MO
▼
APR4.99%
Term72MO
Last UpdatedSep 14, 2026
Details
As Low As
Kemba Charleston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle (2024-2026 - 60 mos.) 95% LTV or less Loan
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedSep 16, 2026
Details
Strip Steel Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicles ('23 - '25) Loan - 60 months
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 12, 2026
Details
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto - 36 Months
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedSep 14, 2026
Details
As Low As
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2020-2017 Used Auto - 48 Months
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 14, 2026
Details
As Low As
Harrison County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2025-2021 Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 14, 2026
Details
As Low As
Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
Used Vehicle Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 16, 2026
Details
Age: 1-2 Model Years old
West Virginia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New/Used Auto & Harley Davidson 2023 & Newer
5.06%
66 Months
▼
APR5.06%
Interest Rate4.99%
Term66 Months
Last UpdatedSep 14, 2026
Details
As Low As; % Financed: Up to 100%
Powered by
MonitorBankRates
Beckley, WV Auto Loan Rate Trends
Compare local Beckley, WV 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 WV Avg
5.540%
▲ 0.113 vs 7 days ago
West Virginia new auto rates rose 0.113 points over the past 7 days to 5.540% APR.
Used Auto Loan WV Avg
7.901%
▼ 0.021 vs 7 days ago
West Virginia used auto rates fell 0.021 points over the past 7 days to 7.901% APR.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Beckley, WV Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current West Virginia figures.
Current New Auto Avg
5.54%
APR, as of Sep 16, 2026
6-Month Forecast
5.62%
Fed hold assumed
12-Month Forecast
5.69%
Range: 5.34% to 5.89%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average West 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 @ 5.54% APR WV average | Used Auto @ 7.90% APR WV average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.79/mo | $303.43/mo | $16.64/mo |
| $25,000 | $477.99/mo | $505.72/mo | $27.74/mo |
| $35,000 | $669.18/mo | $708.01/mo | $38.83/mo |
| $45,000 | $860.38/mo | $910.30/mo | $49.93/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Beckley, West Virginia
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Beckley, West 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.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in West 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.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Beckley, West Virginia high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Beckley, West Virginia CD rates lock in a guaranteed return until you’re ready to buy
Beckley, West Virginia Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$31,571
Median Individual Earnings
National avg: $47,340
3.2%
Unemployment Rate
National avg: 4.8%
28.9%
Poverty Rate
National avg: 11.1%
$574/mo
Payment on a $30K / 60-mo Loan
At WV new-auto avg 5.54% APR
A $574 monthly car payment works out to roughly 21.8% of the median individual income in Beckley, West Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Beckley, West 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.
Auto Loan Payment Calculator
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Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Beckley, West 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 Beckley, West 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 Beckley, West 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 WV.
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.
Frequently Asked Questions about Auto Loans in Beckley, West Virginia
How does my credit score affect my car loan rate in West Virginia?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Beckley, West 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 West 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 Beckley, West 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.
Should I get preapproved for an auto loan before visiting a dealer in Beckley, West Virginia?
Yes. A preapproval from a bank or credit union serving Beckley, West Virginia gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Beckley, West Virginia can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Beckley, West Virginia?
Based on our current data, some of the lowest auto loan rates available in Beckley, West Virginia include:
- Bayer Heritage Federal Credit Union: 4.00% (New/Used Vehicles - 24 Mo. Loan)
- Mountain Heritage Federal Credit Union: 4.00% (NEW Vehicle Loans)
- Celco Community Federal Credit Union: 4.24% (New Autos)
- Chase Bank: 5.94% (New car purchase Loan)
- WEPCO Federal Credit Union: 2.49% (New or Used Vehicle Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Beckley, West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 16, 2026
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