Current auto loan rates in Weirton, West Virginia include Strip Steel Community Federal Credit UnionStrip Steel Community Federal Credit Union3316 MAIN St, WEIRTON, WV, 26062 4704A+5.0 ★Texas Ratio: 0.72% offering New Vehicle Loan - 36 months at 4.00%, Hancock School Employees Federal Credit UnionHancock School Employees Federal Credit Union384 Penco Rd, Weirton, WV, 26062A+5.0 ★Texas Ratio: 0.79% offering New Autos - 0-36 Months at 4.50%, First Choice America Community Federal Credit UnionFirst Choice America Community Federal Credit Union3501 Main St, Weirton, WV, 26062A+5.0 ★Texas Ratio: 0.29% offering New Vehicle Financing at 4.59%, WEPCO Federal Credit UnionWEPCO Federal Credit UnionA+5.0 ★Texas Ratio: 3.33% offering New or Used Vehicle Loans at 2.49%, First Peoples Community Federal Credit UnionFirst Peoples Community Federal Credit UnionA+5.0 ★Texas Ratio: 1.23% offering 72-Month Auto Loan Promo at 2.99%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Weirton has 3 local institutions in our database, with auto loan rates as low as 4.00% APR from Strip Steel Community Federal Credit Union at 3316 MAIN St, WEIRTON, WV, 26062 4704. 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 Weirton, West Virginia. Auto Loan Rates Last Updated and Verified: September 16, 2026
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A+
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A
Credit Rating: A+
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A
Credit Rating: A+
Credit Rating: B
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: B
Credit Rating: A
Over $20000; Credit Rating: A+; Minimum Balance: $20000
Credit Rating: A+
APR
Credit Rating: A
Credit Rating: A+
APR
APR
Credit Rating: C
Credit Rating: B
Over $20000; Credit Rating: A; Minimum Balance: $20000
Over $30000; Credit Rating: A+; Minimum Balance: $30000
Credit Rating: A
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A+
Credit Rating: B
Credit Rating: A+
Credit Rating: C
Over $20000; Credit Rating: B; Minimum Balance: $20000
Over $30000; Credit Rating: A; Minimum Balance: $30000
Credit Rating: B
Credit Rating: A
Credit Rating: A
Credit Rating: A+
Over $20000; Term: 72 Months Over $20000; Credit Rating: A+
Credit Rating: D
Credit Rating: C
Over $30000; Credit Rating: B; Minimum Balance: $30000
Credit Rating: B
Credit Rating: A+
Credit Rating: B
Over $20000; Term: 72 Months Over $20000; Credit Rating: A
Over $30000; Term: 84 Months Over $30000; Credit Rating: A+
Credit Rating: A
Credit Rating: C
Over $20000; Credit Rating: C; Minimum Balance: $20000
Credit Rating: B
Credit Rating: C
Over $20000; Term: 72 Months Over $20000; Credit Rating: B
Over $30000; Term: 84 Months Over $30000; Credit Rating: A
Credit Rating: A
Credit Rating: D
Over $30000; Credit Rating: C; Minimum Balance: $30000
Credit Rating: C
Credit Rating: C
Over $30000; Term: 84 Months Over $30000; Credit Rating: B
Credit Rating: C
Credit Rating: B
Over $20000; Term: 72 Months Over $20000; Credit Rating: C
Over $30000; Term: 84 Months Over $30000; Credit Rating: C
Credit Rating: A+
Credit Rating: D
Credit Rating: D
Credit Rating: E
Credit Rating: D
Credit Rating: D
Credit Rating: C
Credit Rating: D
Credit Rating: A
Credit Rating: D
Credit Rating: E
Over $20000; Credit Rating: D; Minimum Balance: $20000
Credit Rating: B
Credit Rating: D
Credit Rating: E
Credit Rating: C
Credit Rating: E
Credit Rating: E
Credit Rating: E
Credit Rating: E
Credit Rating: E
Credit Rating: D
Credit Rating: E
As Low As
As Low As
As Low As; 2023 & newer: 0-72 months with less than 45,000 miles and valued at $15,000 or more
As Low As; With qualifying credit and direct deposit with automatic payment.
As Low As
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As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; 2023 & newer
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2026-2025
As Low As; 2023 & newer
rates as low as; Model Year: 2025 - 2024
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Model Year: 2025-2023
Qualifications Required: Pioneer checking + direct deposit; Members with Pioneer checking + direct deposit may qualify. Loans are subject to credit approval
Annual percentage rates may be as low as*
up to 110%
As Low As; 2018-2022
As Low As; 2023 & newer
Credit Score: 730+; Credit Grade: A+
Credit Score: 730+; Credit Grade: A+
For amounts up to $23,000
As Low As
rates as low as; Model Year: 2025 - 2024
rates as low as; Model Year: 2025 - 2024
Annual percentage rates may be as low as*
As Low As; % Financed: Up to 100%
Rates as low as; Model Year: 2026-2024
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Minimum Financing of $25,000 for 84 Months
up to 110%
As Low As; Model Year: 2026-2025
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Loans are subject to credit approval
Credit Score: 730+; Credit Grade: A+
As Low As; 2018-2022
As Low As
rates as low as; Model Year: 2025 - 2024
As low as
As low as
As low as
As low as
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2025-2023
As Low As; 2023 & newer
As low as
As low as
As Low As
As Low As
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 730+; Credit Grade: A+
rates as low as; Model Year: 2025 - 2024
2023 - current
Annual percentage rates may be as low as*
As Low As; % Financed: Up to 100%
Loan Amount: $2,500+
Rates as low as; Model Year: 2026-2024
As Low As; Minimum Financing of $25,000 for 84 Months
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.
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 680 - 729; Credit Grade: A
As Low As
Annual percentage rates may be as low as*
As Low As; % Financed: Up to 100%
Loan Amount: $2,500+
As low as
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A+
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A
Credit Rating: A+
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A
Credit Rating: A+
Credit Rating: B
Credit score rating 725 and above; Financing over $30,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: B
Credit Rating: A
Over $20000; Credit Rating: A+; Minimum Balance: $20000
Credit Rating: A+
Credit Rating: A
Credit Rating: A+
Credit Rating: C
Credit Rating: B
Over $20000; Credit Rating: A; Minimum Balance: $20000
Over $30000; Credit Rating: A+; Minimum Balance: $30000
Credit Rating: A
Credit Rating: B
Credit Rating: A+
Credit Rating: C
Over $20000; Credit Rating: B; Minimum Balance: $20000
Over $30000; Credit Rating: A; Minimum Balance: $30000
Credit Rating: B
Credit Rating: A
Over $20000; Term: 72 Months Over $20000; Credit Rating: A+
Credit Rating: D
Credit Rating: C
Over $30000; Credit Rating: B; Minimum Balance: $30000
Credit Rating: B
Over $20000; Term: 72 Months Over $20000; Credit Rating: A
Over $30000; Term: 84 Months Over $30000; Credit Rating: A+
Credit Rating: C
Over $20000; Credit Rating: C; Minimum Balance: $20000
Credit Rating: C
Over $20000; Term: 72 Months Over $20000; Credit Rating: B
Over $30000; Term: 84 Months Over $30000; Credit Rating: A
Credit Rating: D
Over $30000; Credit Rating: C; Minimum Balance: $30000
Credit Rating: C
Over $30000; Term: 84 Months Over $30000; Credit Rating: B
Over $20000; Term: 72 Months Over $20000; Credit Rating: C
Over $30000; Term: 84 Months Over $30000; Credit Rating: C
Credit Rating: D
Credit Rating: D
Credit Rating: E
Credit Rating: D
Credit Rating: D
Credit Rating: E
Over $20000; Credit Rating: D; Minimum Balance: $20000
Credit Rating: E
Credit Rating: E
Credit Rating: E
As Low As
As Low As
As Low As; With qualifying credit and direct deposit with automatic payment.
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Model Year: 2026-2025
As Low As; Model Year: 2026-2025
rates as low as; Model Year: 2025 - 2024
As Low As; Minimum Financing of $10,000 for 60 Months
up to 110%
Credit Score: 730+; Credit Grade: A+
Credit Score: 730+; Credit Grade: A+
For amounts up to $23,000
rates as low as; Model Year: 2025 - 2024
rates as low as; Model Year: 2025 - 2024
As Low As; % Financed: Up to 100%
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Minimum Financing of $25,000 for 84 Months
up to 110%
As Low As; Model Year: 2026-2025
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Credit Score: 730+; Credit Grade: A+
rates as low as; Model Year: 2025 - 2024
As low as
As low as
As Low As; Model Year: 2026-2025
As low as
As Low As
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 730+; Credit Grade: A+
rates as low as; Model Year: 2025 - 2024
2023 - current
As Low As; % Financed: Up to 100%
As Low As; Minimum Financing of $25,000 for 84 Months
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 680 - 729; Credit Grade: A
As Low As; % Financed: Up to 100%
As low as
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A+
APR
Credit Rating: A
Credit Rating: A+
APR
APR
Credit Rating: A
Credit score rating 725 and above; Financing over $40,000.00; Rates subject to 0.25% discount for auto payment.
Credit Rating: A+
Credit Rating: B
Credit Rating: A+
Credit Rating: B
Credit Rating: A
Credit Rating: A
Credit Rating: A+
Over $20000; Term: 72 Months Over $20000; Credit Rating: A+
Credit Rating: B
Credit Rating: A+
Credit Rating: B
Over $20000; Term: 72 Months Over $20000; Credit Rating: A
Over $30000; Term: 84 Months Over $30000; Credit Rating: A+
Credit Rating: A
Credit Rating: C
Credit Rating: B
Credit Rating: C
Over $20000; Term: 72 Months Over $20000; Credit Rating: B
Over $30000; Term: 84 Months Over $30000; Credit Rating: A
Credit Rating: A
Credit Rating: C
Credit Rating: C
Over $30000; Term: 84 Months Over $30000; Credit Rating: B
Credit Rating: C
Credit Rating: B
Over $20000; Term: 72 Months Over $20000; Credit Rating: C
Over $30000; Term: 84 Months Over $30000; Credit Rating: C
Credit Rating: A+
Credit Rating: D
Credit Rating: D
Credit Rating: D
Credit Rating: C
Credit Rating: D
Credit Rating: A
Credit Rating: D
Credit Rating: B
Credit Rating: D
Credit Rating: C
Credit Rating: E
Credit Rating: E
Credit Rating: E
Credit Rating: E
Credit Rating: E
Credit Rating: D
Credit Rating: E
As Low As
As Low As
As Low As; With qualifying credit and direct deposit with automatic payment.
As Low As
As Low As
As Low As
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Minimum Financing of $10,000 for 60 Months
As Low As; Model Year: 2025-2023
up to 110%
Credit Score: 730+; Credit Grade: A+
Credit Score: 730+; Credit Grade: A+
As Low As
As Low As; % Financed: Up to 100%
As Low As; Minimum Financing of $15,000 for 72 Months
As Low As; Minimum Financing of $25,000 for 84 Months
up to 110%
Credit Score: 730+; Credit Grade: A+
As Low As
As low as
As low as
As Low As; Model Year: 2025-2023
As low as
As Low As
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 730+; Credit Grade: A+
As Low As; % Financed: Up to 100%
As Low As; Minimum Financing of $25,000 for 84 Months
As Low As; APR - Annual Percentage Rate. Rates Subject To Change Without Notice.
Credit Score: 680 - 729; Credit Grade: A
Credit Score: 680 - 729; Credit Grade: A
As Low As
As Low As; % Financed: Up to 100%
Compare local Weirton, 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.
West Virginia new auto rates rose 0.113 points over the past 7 days to 5.540% APR.
West Virginia used auto rates fell 0.021 points over the past 7 days to 7.901% APR.
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.
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.
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.
A preapproval from a bank or credit union serving Weirton, 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.
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.
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $574 monthly car payment works out to roughly 19.2% of the median individual income in Weirton, West Virginia. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Weirton, 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.
Estimate your monthly payment on a new or used vehicle in Weirton, West Virginia. We’ve prefilled the APR with today’s WV new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Weirton, 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 Weirton, 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 Weirton, 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.