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Auto Loan Rates in Spanishburg, West Virginia (WV) for May 2026

Content reviewed by
Brian McKay Brian McKay
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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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Spanishburg, West Virginia. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 2, 2026

Current auto loan rates in Spanishburg, West Virginia include Ohio County Public Schools Federal Credit UnionOhio County Public Schools Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Vehicle - Model Year New -2020 or if Untitled at 2.50%, First Priority Federal Credit UnionFirst Priority Federal Credit UnionA+5.0 ★Texas Ratio: 2.97% offering New Auto Loans at 2.99%, Members Choice WV Federal Credit UnionMembers Choice WV Federal Credit UnionA+5.0 ★Texas Ratio: 2.17% offering Auto Loan at 3.99%, Hope Federal Credit UnionHope Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Vehicle at 4.00%, Desco Federal Credit UnionDesco Federal Credit UnionA+5.0 ★Texas Ratio: 2.81% offering New Cars and Trucks at 4.30%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Spanishburg borrowers have access to 17 lenders serving the West Virginia area, with auto loan rates as low as 2.50% APR from Ohio County Public Schools Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Spanishburg, West Virginia. Auto Loan Rates Last Updated and Verified: May 2, 2026

Compare Auto Loan Rates Today in Spanishburg, West Virginia & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - Model Year New -2020 or if Untitled
2.50%
24, 36, 48, 60, 72 months available
View
▼
APR2.50%
Term24, 36, 48, 60, 72 months available
Last UpdatedApr 18, 2026
Details

Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - Model Year Already Titled - 1999
2.50%
36, 48, 60, months available
View
▼
APR2.50%
Term36, 48, 60, months available
Last UpdatedApr 18, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
2.99%
36MO
View
▼
APR2.99%
Term36MO
Last UpdatedMay 2, 2026
Details

As Low As; 36 months

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2023
2.99%
48MO
View
▼
APR2.99%
Term48MO
Last UpdatedMay 2, 2026
Details

As Low As; 48 months

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2024-2026
2.99%
36MO
View
▼
APR2.99%
Term36MO
Last UpdatedMay 2, 2026
Details

As Low As; 36 months

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Auto Loan
3.99%
75 Months
View
▼
APR3.99%
Term75 Months
Last UpdatedApr 17, 2026
Details

As Low As; Our limited-time auto loan special offers rates as low as 3.99% APR and terms up to 75 months ? ?

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
3.99%
0-39 months
View
▼
APR3.99%
Term0-39 months
Last UpdatedApr 17, 2026
Details

As Low As; Models 2024 -2026 New or Used

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.00%
1-36
View
▼
APR4.00%
Term1-36
Last UpdatedApr 17, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.25%
37-48
View
▼
APR4.25%
Term37-48
Last UpdatedApr 17, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) Auto 0-48 months (up to 110%)
4.49%
48 month
View
▼
APR4.49%
Term48 month
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
4.49%
60MO
View
▼
APR4.49%
Term60MO
Last UpdatedMay 2, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2024-2026
4.49%
60MO
View
▼
APR4.49%
Term60MO
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedApr 17, 2026
Details

Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Car Loans 2023 - current
4.50%
up to 84 mo. term
View
▼
APR4.50%
Termup to 84 mo. term
Last UpdatedApr 27, 2026
Details

Rates as low as

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Auto Loan
4.59%
36 Months
View
▼
APR4.59%
Term36 Months
Last UpdatedApr 17, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details

As Low As

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance
4.69%
84 Months
View
▼
APR4.69%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance 2026-2024
4.69%
84 months
View
▼
APR4.69%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 49-60 months (up to 110%)
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.75%
61-72
View
▼
APR4.75%
Term61-72
Last UpdatedApr 17, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2019-2020 Used Auto
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 27, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2026 New Auto
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 27, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2024-2026
4.99%
72MO
View
▼
APR4.99%
Term72MO
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.00%
73-84
View
▼
APR5.00%
Term73-84
Last UpdatedApr 17, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

1-2 Model Years old

CCMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Auto & RV
5.00%
100% of sticker for up to 84 months (over $35.000) w/ 680 credit score
View
▼
APR5.00%
Term100% of sticker for up to 84 months (over $35.000) w/ 680 credit score
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto A+ Credit Score above 740
5.00%
up to 84 months
View
▼
APR5.00%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 17, 2026
Details

1-2 Model Years old

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Auto Loan
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Auto Loan
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedApr 17, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 61-72 months (up to 110%)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 18, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (20-23) (up to 110%)
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Auto Loan
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 25, 2026
Details

As Low As; 5.49% Auto Loan up to 72 months*

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2023
5.49%
60MO
View
▼
APR5.49%
Term60MO
Last UpdatedMay 2, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2024-2026
5.49%
84MO
View
▼
APR5.49%
Term84MO
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 17, 2026
Details

3-5 Model Years old

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto A Credit Score 700-739
5.50%
up to 84 months
View
▼
APR5.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto A+ Credit Score above 740
5.50%
up to 84 months
View
▼
APR5.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
Auto Loan
5.59%
66 Months
View
▼
APR5.59%
Term66 Months
Last UpdatedApr 17, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 73-84 months
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (20-23) (up to 110%)
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2022
5.74%
48MO
View
▼
APR5.74%
Term48MO
Last UpdatedMay 2, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2023
5.74%
72MO
View
▼
APR5.74%
Term72MO
Last UpdatedMay 2, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2014-2018 Used Auto
5.75%
Up to 36 Months
View
▼
APR5.75%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2021-2023 Used Auto
5.75%
Up to 60 Months
View
▼
APR5.75%
TermUp to 60 Months
Last UpdatedApr 27, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2026 New Auto
5.75%
Up to 60 Months
View
▼
APR5.75%
TermUp to 60 Months
Last UpdatedApr 27, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2024-2026 Used Auto
5.99%
Up to 72 Months
View
▼
APR5.99%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2026 New Auto
5.99%
Up to 72 Months
View
▼
APR5.99%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2022
5.99%
66MO
View
▼
APR5.99%
Term66MO
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedApr 17, 2026
Details

6-8 Model Years old

CCMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Auto & RV
6.00%
90% of sticker or book value. Up to 72 months
View
▼
APR6.00%
Term90% of sticker or book value. Up to 72 months
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto B Credit Score 640-699
6.00%
up to 84 months
View
▼
APR6.00%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto A Credit Score 700-739
6.00%
up to 84 months
View
▼
APR6.00%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Used Car Loans 2022 and below
6.00%
up to 84 mo. term
View
▼
APR6.00%
Termup to 84 mo. term
Last UpdatedApr 27, 2026
Details

Rates as low as

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
6.09%
72 months
View
▼
APR6.09%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
6.09%
72 months
View
▼
APR6.09%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Auto Loans (100% LTV)
6.14%
Up to 63 months
View
▼
APR6.14%
TermUp to 63 months
Last UpdatedApr 18, 2026
Details

As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing.

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance
6.23%
72 Months
View
▼
APR6.23%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance 2023-2022
6.23%
72 months
View
▼
APR6.23%
Term72 months
Last UpdatedApr 17, 2026
Details

As Low As

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2021
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedApr 18, 2026
Details

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Auto Loans (100% LTV)
6.29%
64-75 months
View
▼
APR6.29%
Term64-75 months
Last UpdatedApr 18, 2026
Details

As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing.

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (20-23) (up to 110%)
6.49%
72 months
View
▼
APR6.49%
Term72 months
Last UpdatedApr 18, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2021
6.49%
48MO
View
▼
APR6.49%
Term48MO
Last UpdatedMay 2, 2026
Details

Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Used Car Loans, OLDER than 10 years
6.50%
term 48 mo.
View
▼
APR6.50%
Termterm 48 mo.
Last UpdatedApr 27, 2026
Details

Rates as low as; Can only finance 80% of JD Power book value

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (22-23) (up to 110%)
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2020
6.75%
60 months
View
▼
APR6.75%
Term60 months
Last UpdatedApr 18, 2026
Details

Patriot Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
Auto Loans (100% LTV)
6.79%
76-84 months
View
▼
APR6.79%
Term76-84 months
Last UpdatedApr 18, 2026
Details

As Low As; APR shown is for applicant with credit scores 735 or higher. Based on vehicle model year and mileage. Up to 100% financing.

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (16-19)(up to 100%)
6.99%
48 months
View
▼
APR6.99%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
7.00%
48 Months
View
▼
APR7.00%
Term48 Months
Last UpdatedApr 17, 2026
Details

9-20 Model Years old#

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
7.09%
84 months
View
▼
APR7.09%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
7.09%
84 months
View
▼
APR7.09%
Term84 months
Last UpdatedApr 17, 2026
Details

As Low As

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2019
7.25%
54 months
View
▼
APR7.25%
Term54 months
Last UpdatedApr 18, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (16-19) (up to 100%)
7.49%
60 months
View
▼
APR7.49%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
7.50%
76-84 months
View
▼
APR7.50%
Term76-84 months
Last UpdatedApr 17, 2026
Details

As Low As; Models 2024 -2026 New or Used

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto B Credit Score 640-699
7.50%
up to 84 months
View
▼
APR7.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2018
7.75%
48 months
View
▼
APR7.75%
Term48 months
Last UpdatedApr 18, 2026
Details

CCMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Auto & RV
7.75%
90% of book value, 24-60 months
View
▼
APR7.75%
Term90% of book value, 24-60 months
Last UpdatedApr 18, 2026
Details

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance
7.80%
66 Months
View
▼
APR7.80%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance 2021-2020
7.80%
66 months
View
▼
APR7.80%
Term66 months
Last UpdatedApr 17, 2026
Details

As Low As

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
7.89%
96 months
View
▼
APR7.89%
Term96 months
Last UpdatedApr 17, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 18-20
7.99%
48MO
View
▼
APR7.99%
Term48MO
Last UpdatedMay 2, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
8.00%
48 months
View
▼
APR8.00%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As; Model 2018

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
8.09%
96 months
View
▼
APR8.09%
Term96 months
Last UpdatedApr 17, 2026
Details

As Low As

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2017
8.25%
48 months
View
▼
APR8.25%
Term48 months
Last UpdatedApr 18, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 18-20
8.49%
60MO
View
▼
APR8.49%
Term60MO
Last UpdatedMay 2, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto C Credit Score 590-639
8.50%
up to 84 months
View
▼
APR8.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance
8.51%
48 Months
View
▼
APR8.51%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance 2018-2016
8.51%
48 months
View
▼
APR8.51%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance
8.70%
54 Months
View
▼
APR8.70%
Term54 Months
Last UpdatedApr 17, 2026
Details

As Low As

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance 2019
8.70%
54 months
View
▼
APR8.70%
Term54 months
Last UpdatedApr 17, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (2015 and older) (up to 100%)
8.74%
48 months
View
▼
APR8.74%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2016
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 18, 2026
Details

CCMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Auto & RV
8.75%
90% of book value, 24-60 months
View
▼
APR8.75%
Term90% of book value, 24-60 months
Last UpdatedApr 18, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Auto Loan Purchase and Refinance Classic Vehicle
9.18%
60 months
View
▼
APR9.18%
Term60 months
Last UpdatedApr 17, 2026
Details

As Low As

Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Classic Vehicle Auto Loan Purchase and Refinance
9.18%
60 Months
View
▼
APR9.18%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2015
9.25%
42 months
View
▼
APR9.25%
Term42 months
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto C Credit Score 590-639
9.50%
up to 84 months
View
▼
APR9.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2014
9.75%
42 months
View
▼
APR9.75%
Term42 months
Last UpdatedApr 18, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2013
10.25%
42 months
View
▼
APR10.25%
Term42 months
Last UpdatedApr 18, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2012
10.75%
36 months
View
▼
APR10.75%
Term36 months
Last UpdatedApr 18, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2011
11.25%
36 months
View
▼
APR11.25%
Term36 months
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto D Credit Score 589 and lower
11.50%
up to 84 months
View
▼
APR11.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2010
11.75%
36 months
View
▼
APR11.75%
Term36 months
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto D Credit Score 589 and lower
12.00%
up to 84 months
View
▼
APR12.00%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2009 and older
13.00%
36 months
View
▼
APR13.00%
Term36 months
Last UpdatedApr 18, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle - Model Year New -2020 or if Untitled
2.50%
24, 36, 48, 60, 72 months available
View
▼
APR2.50%
Term24, 36, 48, 60, 72 months available
Last UpdatedApr 18, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
2.99%
36MO
View
▼
APR2.99%
Term36MO
Last UpdatedMay 2, 2026
Details

As Low As; 36 months

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
3.99%
0-39 months
View
▼
APR3.99%
Term0-39 months
Last UpdatedApr 17, 2026
Details

As Low As; Models 2024 -2026 New or Used

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.00%
1-36
View
▼
APR4.00%
Term1-36
Last UpdatedApr 17, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.25%
37-48
View
▼
APR4.25%
Term37-48
Last UpdatedApr 17, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) Auto 0-48 months (up to 110%)
4.49%
48 month
View
▼
APR4.49%
Term48 month
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
New Auto Loans
4.49%
60MO
View
▼
APR4.49%
Term60MO
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.50%
49-60
View
▼
APR4.50%
Term49-60
Last UpdatedApr 17, 2026
Details

Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
New Car Loans 2023 - current
4.50%
up to 84 mo. term
View
▼
APR4.50%
Termup to 84 mo. term
Last UpdatedApr 27, 2026
Details

Rates as low as

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 49-60 months (up to 110%)
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.75%
61-72
View
▼
APR4.75%
Term61-72
Last UpdatedApr 17, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2026 New Auto
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 27, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.00%
73-84
View
▼
APR5.00%
Term73-84
Last UpdatedApr 17, 2026
Details

CCMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New Auto & RV
5.00%
100% of sticker for up to 84 months (over $35.000) w/ 680 credit score
View
▼
APR5.00%
Term100% of sticker for up to 84 months (over $35.000) w/ 680 credit score
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto A+ Credit Score above 740
5.00%
up to 84 months
View
▼
APR5.00%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 61-72 months (up to 110%)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 18, 2026
Details

As Low As

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto A Credit Score 700-739
5.50%
up to 84 months
View
▼
APR5.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 73-84 months
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2026 New Auto
5.75%
Up to 60 Months
View
▼
APR5.75%
TermUp to 60 Months
Last UpdatedApr 27, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Cars and Trucks
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2026 New Auto
5.99%
Up to 72 Months
View
▼
APR5.99%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto B Credit Score 640-699
6.00%
up to 84 months
View
▼
APR6.00%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
7.50%
76-84 months
View
▼
APR7.50%
Term76-84 months
Last UpdatedApr 17, 2026
Details

As Low As; Models 2024 -2026 New or Used

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
8.00%
48 months
View
▼
APR8.00%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As; Model 2018

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto C Credit Score 590-639
8.50%
up to 84 months
View
▼
APR8.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto D Credit Score 589 and lower
11.50%
up to 84 months
View
▼
APR11.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Ohio County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle - Model Year Already Titled - 1999
2.50%
36, 48, 60, months available
View
▼
APR2.50%
Term36, 48, 60, months available
Last UpdatedApr 18, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2023
2.99%
48MO
View
▼
APR2.99%
Term48MO
Last UpdatedMay 2, 2026
Details

As Low As; 48 months

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2024-2026
2.99%
36MO
View
▼
APR2.99%
Term36MO
Last UpdatedMay 2, 2026
Details

As Low As; 36 months

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
3.99%
0-39 months
View
▼
APR3.99%
Term0-39 months
Last UpdatedApr 17, 2026
Details

As Low As; Models 2024 -2026 New or Used

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.30%
4 years
View
▼
APR4.30%
Term4 years
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.39%
3 years
View
▼
APR4.39%
Term3 years
Last UpdatedApr 18, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) Auto 0-48 months (up to 110%)
4.49%
48 month
View
▼
APR4.49%
Term48 month
Last UpdatedApr 18, 2026
Details

As Low As

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.49%
5 years
View
▼
APR4.49%
Term5 years
Last UpdatedApr 18, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2024-2026
4.49%
60MO
View
▼
APR4.49%
Term60MO
Last UpdatedMay 2, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 49-60 months (up to 110%)
4.74%
60 months
View
▼
APR4.74%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2019-2020 Used Auto
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 27, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
4.95%
6 years
View
▼
APR4.95%
Term6 years
Last UpdatedApr 18, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2024-2026
4.99%
72MO
View
▼
APR4.99%
Term72MO
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

1-2 Model Years old

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 17, 2026
Details

1-2 Model Years old

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 61-72 months (up to 110%)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 18, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (20-23) (up to 110%)
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2023
5.49%
60MO
View
▼
APR5.49%
Term60MO
Last UpdatedMay 2, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2024-2026
5.49%
84MO
View
▼
APR5.49%
Term84MO
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 17, 2026
Details

3-5 Model Years old

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto A+ Credit Score above 740
5.50%
up to 84 months
View
▼
APR5.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
New/Used Auto (2024-NEWER) 73-84 months
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (20-23) (up to 110%)
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2022
5.74%
48MO
View
▼
APR5.74%
Term48MO
Last UpdatedMay 2, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2023
5.74%
72MO
View
▼
APR5.74%
Term72MO
Last UpdatedMay 2, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2014-2018 Used Auto
5.75%
Up to 36 Months
View
▼
APR5.75%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2021-2023 Used Auto
5.75%
Up to 60 Months
View
▼
APR5.75%
TermUp to 60 Months
Last UpdatedApr 27, 2026
Details

Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Cars and Trucks
5.93%
7 years
View
▼
APR5.93%
Term7 years
Last UpdatedApr 18, 2026
Details

As Low As

Huntington C&O Railway Employees Federal Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.31%
2024-2026 Used Auto
5.99%
Up to 72 Months
View
▼
APR5.99%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2022
5.99%
66MO
View
▼
APR5.99%
Term66MO
Last UpdatedMay 2, 2026
Details

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedApr 17, 2026
Details

6-8 Model Years old

CCMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Auto & RV
6.00%
90% of sticker or book value. Up to 72 months
View
▼
APR6.00%
Term90% of sticker or book value. Up to 72 months
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto A Credit Score 700-739
6.00%
up to 84 months
View
▼
APR6.00%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Used Car Loans 2022 and below
6.00%
up to 84 mo. term
View
▼
APR6.00%
Termup to 84 mo. term
Last UpdatedApr 27, 2026
Details

Rates as low as

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2021
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedApr 18, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (20-23) (up to 110%)
6.49%
72 months
View
▼
APR6.49%
Term72 months
Last UpdatedApr 18, 2026
Details

As Low As

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 2021
6.49%
48MO
View
▼
APR6.49%
Term48MO
Last UpdatedMay 2, 2026
Details

Marion County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
Used Car Loans, OLDER than 10 years
6.50%
term 48 mo.
View
▼
APR6.50%
Termterm 48 mo.
Last UpdatedApr 27, 2026
Details

Rates as low as; Can only finance 80% of JD Power book value

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (22-23) (up to 110%)
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2020
6.75%
60 months
View
▼
APR6.75%
Term60 months
Last UpdatedApr 18, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (16-19)(up to 100%)
6.99%
48 months
View
▼
APR6.99%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

Hope Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicle
7.00%
48 Months
View
▼
APR7.00%
Term48 Months
Last UpdatedApr 17, 2026
Details

9-20 Model Years old#

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2019
7.25%
54 months
View
▼
APR7.25%
Term54 months
Last UpdatedApr 18, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (16-19) (up to 100%)
7.49%
60 months
View
▼
APR7.49%
Term60 months
Last UpdatedApr 18, 2026
Details

As Low As

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
7.50%
76-84 months
View
▼
APR7.50%
Term76-84 months
Last UpdatedApr 17, 2026
Details

As Low As; Models 2024 -2026 New or Used

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto B Credit Score 640-699
7.50%
up to 84 months
View
▼
APR7.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2018
7.75%
48 months
View
▼
APR7.75%
Term48 months
Last UpdatedApr 18, 2026
Details

CCMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Auto & RV
7.75%
90% of book value, 24-60 months
View
▼
APR7.75%
Term90% of book value, 24-60 months
Last UpdatedApr 18, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 18-20
7.99%
48MO
View
▼
APR7.99%
Term48MO
Last UpdatedMay 2, 2026
Details

Members Choice WV Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New & Used Auto
8.00%
48 months
View
▼
APR8.00%
Term48 months
Last UpdatedApr 17, 2026
Details

As Low As; Model 2018

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2017
8.25%
48 months
View
▼
APR8.25%
Term48 months
Last UpdatedApr 18, 2026
Details

First Priority Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Used Auto - 18-20
8.49%
60MO
View
▼
APR8.49%
Term60MO
Last UpdatedMay 2, 2026
Details

Chessie Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
Used Auto (2015 and older) (up to 100%)
8.74%
48 months
View
▼
APR8.74%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2016
8.75%
48 months
View
▼
APR8.75%
Term48 months
Last UpdatedApr 18, 2026
Details

CCMH Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Used Auto & RV
8.75%
90% of book value, 24-60 months
View
▼
APR8.75%
Term90% of book value, 24-60 months
Last UpdatedApr 18, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2015
9.25%
42 months
View
▼
APR9.25%
Term42 months
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto C Credit Score 590-639
9.50%
up to 84 months
View
▼
APR9.50%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2014
9.75%
42 months
View
▼
APR9.75%
Term42 months
Last UpdatedApr 18, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2013
10.25%
42 months
View
▼
APR10.25%
Term42 months
Last UpdatedApr 18, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2012
10.75%
36 months
View
▼
APR10.75%
Term36 months
Last UpdatedApr 18, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2011
11.25%
36 months
View
▼
APR11.25%
Term36 months
Last UpdatedApr 18, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2010
11.75%
36 months
View
▼
APR11.75%
Term36 months
Last UpdatedApr 18, 2026
Details

Berkeley County Public Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Auto D Credit Score 589 and lower
12.00%
up to 84 months
View
▼
APR12.00%
Termup to 84 months
Last UpdatedApr 27, 2026
Details

Teamsters Local 697 Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.31%
Used Vehicle 2009 and older
13.00%
36 months
View
▼
APR13.00%
Term36 months
Last UpdatedApr 18, 2026
Details

Spanishburg, WV Auto Loan Rate Trends

Compare local Spanishburg, 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.

View Full West Virginia Auto Trends →
New Auto Loan — WV Avg
4.670%
▼ 0.020 vs 7 days ago

West Virginia new auto rates fell 0.020 points over the past 7 days to 4.670% APR.

Used Auto Loan — WV Avg
6.252%
▲ 0.054 vs 7 days ago

West Virginia used auto rates rose 0.054 points over the past 7 days to 6.252% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Spanishburg, 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 Spanishburg, 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 Spanishburg, 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.

What are the best Auto Loan rates in Spanishburg, West Virginia?

Based on our current data, some of the lowest auto loan rates available in Spanishburg, West Virginia include:
  • Ohio County Public Schools Federal Credit Union: 2.50% (New Vehicle - Model Year New -2020 or if Untitled)
  • First Priority Federal Credit Union: 2.99% (New Auto Loans)
  • Members Choice WV Federal Credit Union: 3.99% (Auto Loan)
  • Hope Federal Credit Union: 4.00% (New Vehicle)
  • Desco Federal Credit Union: 4.30% (New Cars and Trucks)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Spanishburg, West Virginia. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

Spanishburg, West Virginia Rates & Resources

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