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Auto Loan Rates in North Carolina (NC) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 North Carolina. 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 12, 2026

Current auto loan rates in North Carolina include Internal Revenue Employees Federal Credit UnionInternal Revenue Employees Federal Credit Union4905 Koger Blvd, Greensboro, NC, 27407A+5.0 ★Texas Ratio: 0.03% offering New Car at 2.90%, Baxter Credit UnionBaxter Credit Union67 Pitts Station Rd, Marion, NC, 28752 7925A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, United Federal Credit UnionUnited Federal Credit Union209 Turnersburg Hwy, Statesville, NC, 28625 2797A+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.50%, CS Credit UnionCS Credit Union6519 Comm Scope Rd, Catawba, NC, 28609A+5.0 ★Texas Ratio: 0.65% offering New & Used Vehicles at 3.50%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 Gregson Dr, Cary, NC, 27511A+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across North Carolina side-by-side. North Carolina auto loan rates currently start as low as 2.90% APR from Internal Revenue Employees Federal Credit Union at 4905 Koger Blvd, Greensboro, NC, 27407. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in North Carolina. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in North Carolina

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
New Car
2.90%
84 Months
View
▼
APR2.90%
Term84 Months
Last UpdatedMay 6, 2026
Details

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Used Car
2.90%
60 Months
View
▼
APR2.90%
Term60 Months
Last UpdatedMay 6, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
3.79%
0-36
View
▼
APR3.79%
Term0-36
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.99%
12-36
View
▼
APR3.99%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2027-2025 Auto Loan
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedMay 10, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
New Car Loans
4.49%
36-84 months
View
▼
APR4.49%
Term36-84 months
Last UpdatedMay 12, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Auto Loan
4.49%
Up to 84 months
View
▼
APR4.49%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 or Newer**

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs
4.50%
Up to 60 Months
View
▼
APR4.50%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Finance up to 80% of MSRP according to Black Book

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
4.69%
1-66
View
▼
APR4.69%
Term1-66
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
4.69%
1-60
View
▼
APR4.69%
Term1-60
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.74%
12-36
View
▼
APR4.74%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2027-2025 Auto Loan
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2020-2021
4.75%
54 Months
View
▼
APR4.75%
Term54 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2022-2023
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2024-2026
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans 36 months
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2024-2022 Auto Loan
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 780 & Higher
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
2031 RUTHERFORD RD, MARION, NC, 28752
New Auto Loans
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Used Car Loans
4.99%
36-84 months
View
▼
APR4.99%
Term36-84 months
Last UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
New Car
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

Up to 84 months

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans 48 months
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedMay 10, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
New Autos
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up tp 84 Months

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2027-2025 Auto Loan
5.09%
84 Months
View
▼
APR5.09%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.19%
1-66
View
▼
APR5.19%
Term1-66
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.19%
1-60
View
▼
APR5.19%
Term1-60
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
5.19%
49 to 60 Months
View
▼
APR5.19%
Term49 to 60 Months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.20%
67-75
View
▼
APR5.20%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.20%
61-66
View
▼
APR5.20%
Term61-66
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
5.25%
37 - 48
View
▼
APR5.25%
Term37 - 48
Last UpdatedMay 6, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs
5.25%
61 Months - 84 Months
View
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Used Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

Up to 72 months

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans 60 months
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedMay 10, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMay 12, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.35%
76-84
View
▼
APR5.35%
Term76-84
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.35%
67-75
View
▼
APR5.35%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2024-2022 Auto Loan
5.39%
66 Months
View
▼
APR5.39%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
2031 RUTHERFORD RD, MARION, NC, 28752
Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
3 Academy ST, Canton, NC, 28716
New and Used Cars
5.50%
96 Months
View
▼
APR5.50%
Term96 Months
Last UpdatedMay 10, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan 90% financing
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans 72 months
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMay 10, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
Used Autos (2016 - 2025)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2021-2019 Auto Loan
5.59%
48 Months
View
▼
APR5.59%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
5.69%
61 to 72 Months
View
▼
APR5.69%
Term61 to 72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.70%
67-75
View
▼
APR5.70%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.70%
61-66
View
▼
APR5.70%
Term61-66
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2024-2022 Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2027-2025 Auto Loan
5.74%
48 Months
View
▼
APR5.74%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles
5.75%
0-36
View
▼
APR5.75%
Term0-36
Last UpdatedMay 6, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2022-2023
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2024-2026
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics
5.75%
61 Months - 84 Months
View
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedMay 10, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.75%
84 months
View
▼
APR5.75%
Term84 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedMay 10, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedMay 12, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.85%
76-84
View
▼
APR5.85%
Term76-84
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.85%
67-75
View
▼
APR5.85%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2021-2019 Auto Loan
5.89%
66 Months
View
▼
APR5.89%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
5.99%
61 - 72
View
▼
APR5.99%
Term61 - 72
Last UpdatedMay 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 700-779
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2027-2025 Auto Loan
5.99%
66 Months
View
▼
APR5.99%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles
6.00%
49 - 60
View
▼
APR6.00%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Vehicles
6.00%
Max. Term 15 Years
View
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
6.19%
73 to 84 Months
View
▼
APR6.19%
Term73 to 84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles
6.25%
61 - 72
View
▼
APR6.25%
Term61 - 72
Last UpdatedMay 6, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Finance up to 80% of Black Book^

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2021-2019 Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2024-2022 Auto Loan
6.34%
48 Months
View
▼
APR6.34%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMay 6, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
6.50%
96 months
View
▼
APR6.50%
Term96 months
Last UpdatedMay 10, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2024-2022 Auto Loan
6.59%
66 Months
View
▼
APR6.59%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
6.69%
85 to 96 Months
View
▼
APR6.69%
Term85 to 96 Months
Last UpdatedMay 10, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Used Auto
6.85%
84 Months
View
▼
APR6.85%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2021-2019 Auto Loan
6.89%
48 Months
View
▼
APR6.89%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage Car Loan (Term: 1-48 Months)**
6.94%
48 Months
View
▼
APR6.94%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
7.00%
96 Months
View
▼
APR7.00%
Term96 Months
Last UpdatedMay 10, 2026
Details

As Low As

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Used Vehicles
7.00%
Max. Term 15 Years
View
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
7.00%
36 months
View
▼
APR7.00%
Term36 months
Last UpdatedMay 10, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2027-2025 Auto Loan
7.04%
84 Months
View
▼
APR7.04%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage Car Loan (Term: 49-60 Months)**
7.14%
60 Months
View
▼
APR7.14%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2021-2019 Auto Loan
7.14%
66 Months
View
▼
APR7.14%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 650-699
7.25%
72 Months
View
▼
APR7.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Finance up to 90% of Black Book^

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
7.25%
96 Months
View
▼
APR7.25%
Term96 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
7.25%
48 months
View
▼
APR7.25%
Term48 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage Car Loan (Term: 1-48 Months)**
7.44%
48 Months
View
▼
APR7.44%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
7.50%
60 months
View
▼
APR7.50%
Term60 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage Car Loan (Term: 49-60 Months)**
7.64%
60 Months
View
▼
APR7.64%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2024-2022 Auto Loan
7.64%
84 Months
View
▼
APR7.64%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC, 27408
Older Auto Loans
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
7.75%
72 months
View
▼
APR7.75%
Term72 months
Last UpdatedMay 10, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2018-2015 Auto Loan
7.89%
48 Months
View
▼
APR7.89%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2018-2015 Auto Loan
8.14%
66 Months
View
▼
APR8.14%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2021-2019 Auto Loan
8.19%
84 Months
View
▼
APR8.19%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
8.50%
84 months
View
▼
APR8.50%
Term84 months
Last UpdatedMay 10, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2018-2015 Auto Loan
8.54%
72 Months
View
▼
APR8.54%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.65%
12-48
View
▼
APR8.65%
Term12-48
Last UpdatedMay 7, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2014-2011 Auto Loan
9.04%
48 Months
View
▼
APR9.04%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
9.15%
60 Months
View
▼
APR9.15%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2018-2015 Auto Loan
9.19%
48 Months
View
▼
APR9.19%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
9.25%
96 months
View
▼
APR9.25%
Term96 months
Last UpdatedMay 10, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2014-2011 Auto Loan
9.34%
66 Months
View
▼
APR9.34%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2018-2015 Auto Loan
9.44%
66 Months
View
▼
APR9.44%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2018-2015 Auto Loan
9.84%
72 Months
View
▼
APR9.84%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 600-649
9.99%
72 Months
View
▼
APR9.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2014-2011 Auto Loan
10.34%
48 Months
View
▼
APR10.34%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC, 27609
2014-2011 Auto Loan
10.59%
66 Months
View
▼
APR10.59%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 550-599
13.99%
60 Months
View
▼
APR13.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC, 28786 5807
Auto Loan
14.74%
Up to 84 months
View
▼
APR14.74%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Rebuilding Rate
17.50%
60 Months
View
▼
APR17.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
New Car
2.90%
84 Months
View
▼
APR2.90%
Term84 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
3.79%
0-36
View
▼
APR3.79%
Term0-36
Last UpdatedMay 6, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.99%
12-36
View
▼
APR3.99%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedMay 10, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
New Car Loans
4.49%
36-84 months
View
▼
APR4.49%
Term36-84 months
Last UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 or Newer**

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs
4.50%
Up to 60 Months
View
▼
APR4.50%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Finance up to 80% of MSRP according to Black Book

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
4.69%
1-66
View
▼
APR4.69%
Term1-66
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedMay 10, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
2031 RUTHERFORD RD, MARION, NC, 28752
New Auto Loans
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
New Car
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

Up to 84 months

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedMay 10, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
New Autos
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up tp 84 Months

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.19%
1-66
View
▼
APR5.19%
Term1-66
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.20%
67-75
View
▼
APR5.20%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
5.25%
37 - 48
View
▼
APR5.25%
Term37 - 48
Last UpdatedMay 6, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs
5.25%
61 Months - 84 Months
View
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMay 12, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.35%
76-84
View
▼
APR5.35%
Term76-84
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
3 Academy ST, Canton, NC, 28716
New and Used Cars
5.50%
96 Months
View
▼
APR5.50%
Term96 Months
Last UpdatedMay 10, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan 90% financing
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMay 12, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.70%
67-75
View
▼
APR5.70%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.75%
84 months
View
▼
APR5.75%
Term84 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle
5.85%
76-84
View
▼
APR5.85%
Term76-84
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
5.99%
61 - 72
View
▼
APR5.99%
Term61 - 72
Last UpdatedMay 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Vehicles
6.00%
Max. Term 15 Years
View
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedMay 10, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 7, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMay 6, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
6.50%
96 months
View
▼
APR6.50%
Term96 months
Last UpdatedMay 10, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
7.00%
96 Months
View
▼
APR7.00%
Term96 Months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
7.00%
36 months
View
▼
APR7.00%
Term36 months
Last UpdatedMay 10, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
7.25%
96 Months
View
▼
APR7.25%
Term96 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
7.25%
48 months
View
▼
APR7.25%
Term48 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
7.50%
60 months
View
▼
APR7.50%
Term60 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
7.75%
72 months
View
▼
APR7.75%
Term72 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
8.50%
84 months
View
▼
APR8.50%
Term84 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
9.25%
96 months
View
▼
APR9.25%
Term96 months
Last UpdatedMay 10, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Used Car
2.90%
60 Months
View
▼
APR2.90%
Term60 Months
Last UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 or Newer**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
4.69%
1-60
View
▼
APR4.69%
Term1-60
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.74%
12-36
View
▼
APR4.74%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2020-2021
4.75%
54 Months
View
▼
APR4.75%
Term54 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2022-2023
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2024-2026
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans 36 months
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC, 28021 9211
Used Car Loans
4.99%
36-84 months
View
▼
APR4.99%
Term36-84 months
Last UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans 48 months
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedMay 10, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.19%
1-60
View
▼
APR5.19%
Term1-60
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.20%
61-66
View
▼
APR5.20%
Term61-66
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
151 Patton Ave Ste 280, Asheville, NC, 28801
Used Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

Up to 72 months

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans 60 months
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.35%
67-75
View
▼
APR5.35%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
2031 RUTHERFORD RD, MARION, NC, 28752
Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
3 Academy ST, Canton, NC, 28716
New and Used Cars
5.50%
96 Months
View
▼
APR5.50%
Term96 Months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans 72 months
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMay 10, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC, 27103 4625
Used Autos (2016 - 2025)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.70%
61-66
View
▼
APR5.70%
Term61-66
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles
5.75%
0-36
View
▼
APR5.75%
Term0-36
Last UpdatedMay 6, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2022-2023
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto Year Model 2024-2026
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics
5.75%
61 Months - 84 Months
View
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedMay 10, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedMay 12, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Car Loan
5.85%
67-75
View
▼
APR5.85%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles
6.00%
49 - 60
View
▼
APR6.00%
Term49 - 60
Last UpdatedMay 6, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles
6.25%
61 - 72
View
▼
APR6.25%
Term61 - 72
Last UpdatedMay 6, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Finance up to 80% of Black Book^

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Used Auto
6.85%
84 Months
View
▼
APR6.85%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Used Vehicles
7.00%
Max. Term 15 Years
View
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedMay 10, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC, 27530
Used Vehicle Loan
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Finance up to 90% of Black Book^

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.65%
12-48
View
▼
APR8.65%
Term12-48
Last UpdatedMay 7, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
301 W Main St, Durham, NC, 27701
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
9.15%
60 Months
View
▼
APR9.15%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

North Carolina Auto Loan Rate Trends

Compare local North Carolina 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 North Carolina Auto Trends →
New Auto Loan — NC Avg
5.261%
▲ 0.181 vs 7 days ago

North Carolina new auto rates rose 0.181 points over the past 7 days to 5.261% APR.

Used Auto Loan — NC Avg
5.799%
▼ 0.290 vs 7 days ago

North Carolina used auto rates fell 0.290 points over the past 7 days to 5.799% APR.

As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in North Carolina

How does my credit score affect my car loan rate in North Carolina?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in North Carolina 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 North Carolina *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 North Carolina 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 North Carolina?

Based on our current data, some of the lowest auto loan rates available in North Carolina include:
  • Internal Revenue Employees Federal Credit Union: 2.90% (New Car)
  • Baxter Credit Union: 3.24% (Auto Loans)
  • United Federal Credit Union: 3.50% (Fixed Rate New & Used Auto Loans)
  • CS Credit Union: 3.50% (New & Used Vehicles)
  • American Airlines Federal Credit Union: 3.74% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

North Carolina Rates & Resources

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Auto Loan Rates by City in North Carolina

  • Aberdeen
  • Advance
  • Ahoskie
  • Alamance
  • Albemarle
  • Albertson
  • Alexander
  • Alexis
  • Alliance
  • Almond
  • Altamahaw
  • Andrews
  • Angier
  • Ansonville
  • Apex
  • Arapahoe
  • Ararat
  • Arden
  • Ash
  • Asheboro
  • Asheville
  • Atkinson
  • Atlantic
  • Atlantic Beach
  • Aulander
  • Aurora
  • Autryville
  • Avon
  • Ayden
  • Aydlett
  • Badin
  • Bahama
  • Bailey
  • Bakersville
  • Balsam
  • Balsam Grove
  • Banner Elk
  • Barco
  • Barium Springs
  • Barnardsville
  • Barnesville
  • Bat Cave
  • Bath
  • Battleboro
  • Bayboro
  • Bear Creek
  • Beaufort
  • Belews Creek
  • Belhaven
  • Bellarthur
  • Belmont
  • Belvidere
  • Bennett
  • Benson
  • Bessemer City
  • Bethania
  • Bethel
  • Beulaville
  • Biscoe
  • Black Creek
  • Black Mountain
  • Bladenboro
  • Blanch
  • Blounts Creek
  • Blowing Rock
  • Boiling Springs
  • Bolivia
  • Bolton
  • Bonlee
  • Boomer
  • Boone
  • Boonville
  • Bostic
  • Brasstown
  • Brevard
  • Bridgeton
  • Broadway
  • Browns Summit
  • Brunswick
  • Bryson City
  • Buies Creek
  • Bullock
  • Bunn
  • Bunnlevel
  • Burgaw
  • Burlington
  • Burnsville
  • Butner
  • Buxton
  • Bynum
  • Calabash
  • Calypso
  • Camden
  • Cameron
  • Camp Lejeune
  • Candler
  • Candor
  • Canton
  • Caroleen
  • Carolina Beach
  • Carrboro
  • Carthage
  • Cary
  • Casar
  • Cashiers
  • Castalia
  • Castle Hayne
  • Catawba
  • Cedar Falls
  • Cedar Grove
  • Cedar Island
  • Cedar Mountain
  • Cerro Gordo
  • Chadbourn
  • Chapel Hill
  • Charlotte
  • Cherokee
  • Cherry Point
  • Cherryville
  • Chimney Rock
  • China Grove
  • Chinquapin
  • Chocowinity
  • Claremont
  • Clarendon
  • Clarkton
  • Clayton
  • Clemmons
  • Cleveland
  • Cliffside
  • Climax
  • Clinton
  • Clyde
  • Coats
  • Cofield
  • Coinjock
  • Colerain
  • Colfax
  • Collettsville
  • Columbia
  • Columbus
  • Comfort
  • Como
  • Concord
  • Conetoe
  • Connellys Springs
  • Conover
  • Conway
  • Cooleemee
  • Corapeake
  • Cordova
  • Cornelius
  • Corolla
  • Council
  • Cove City
  • Cramerton
  • Creedmoor
  • Creston
  • Creswell
  • Crossnore
  • Crouse
  • Crumpler
  • Culberson
  • Cullowhee
  • Cumberland
  • Cumnock
  • Currie
  • Currituck
  • Dallas
  • Dana
  • Danbury
  • Davidson
  • Davis
  • Deep Gap
  • Deep Run
  • Delco
  • Denton
  • Denver
  • Dillsboro
  • Dobson
  • Dover
  • Drexel
  • Dublin
  • Dudley
  • Dunn
  • Durants Neck
  • Durham
  • Eagle Rock
  • Eagle Springs
  • Earl
  • East Bend
  • East Flat Rock
  • East Spencer
  • Eden
  • Edenton
  • Edneyville
  • Edward
  • Efland
  • Elizabeth City
  • Elizabethtown
  • Elk Park
  • Elkin
  • Ellenboro
  • Ellerbe
  • Elm City
  • Elon College
  • Emerald Isle
  • Enfield
  • Engelhard
  • Enka
  • Ennice
  • Ernul
  • Erwin
  • Ether
  • Etowah
  • Eure
  • Everetts
  • Evergreen
  • Fair Bluff
  • Fairfield
  • Fairmont
  • Fairplains
  • Fairview
  • Faison
  • Faith
  • Falcon
  • Falkland
  • Fallston
  • Farmville
  • Fayetteville
  • Ferguson
  • Flat Rock
  • Fleetwood
  • Fletcher
  • Fontana Dam
  • Forest City
  • Fort Bragg
  • Fountain
  • Four Oaks
  • Franklin
  • Franklinton
  • Franklinville
  • Fremont
  • Frisco
  • Fuquay Varina
  • Garland
  • Garner
  • Garysburg
  • Gaston
  • Gastonia
  • Gates
  • Gatesville
  • Germanton
  • Gerton
  • Gibson
  • Gibsonville
  • Glade Valley
  • Glen Alpine
  • Glendale Springs
  • Glenville
  • Glenwood
  • Gloucester
  • Godwin
  • Gold Hill
  • Goldsboro
  • Goldston
  • Graham
  • Grandy
  • Granite Falls
  • Granite Quarry
  • Grantsboro
  • Grassy Creek
  • Greenmountain
  • Greensboro
  • Greenville
  • Grifton
  • Grimesland
  • Grover
  • Gulf
  • Gumberry
  • Halifax
  • Hallsboro
  • Hamilton
  • Hamlet
  • Hampstead
  • Hamptonville
  • Harbinger
  • Harkers Island
  • Harmony
  • Harrells
  • Harrellsville
  • Harris
  • Harrisburg
  • Hassell
  • Hatteras
  • Havelock
  • Haw River
  • Hayesville
  • Hays
  • Hazelwood
  • Henderson
  • Hendersonville
  • Henrico
  • Henrietta
  • Hertford
  • Hickory
  • Hiddenite
  • High Point
  • High Shoals
  • Highfalls
  • Highlands
  • Hildebran
  • Hillsborough
  • Hobbsville
  • Hobgood
  • Hobucken
  • Hoffman
  • Hollister
  • Holly Ridge
  • Holly Springs
  • Hookerton
  • Hope Mills
  • Horse Shoe
  • Hot Springs
  • Hubert
  • Hudson
  • Huntersville
  • Hurdle Mills
  • Icard
  • Indian Trail
  • Ingold
  • Iron Station
  • Ivanhoe
  • Jackson
  • Jackson Springs
  • Jacksonville
  • Jamestown
  • Jamesville
  • Jarvisburg
  • Jefferson
  • Jonas Ridge
  • Jonesville
  • Julian
  • Kannapolis
  • Kelford
  • Kelly
  • Kenansville
  • Kenly
  • Kernersville
  • Kill Devil Hills
  • King
  • Kings Mountain
  • Kinston
  • Kipling
  • Kittrell
  • Kitty Hawk
  • Knightdale
  • Knotts Island
  • Kure Beach
  • La Grange
  • Lake Junaluska
  • Lake Lure
  • Lake Toxaway
  • Lake Waccamaw
  • Lakeview
  • Landis
  • Lansing
  • Lattimore
  • Laurel Hill
  • Laurel Springs
  • Laurinburg
  • Lawndale
  • Lawsonville
  • Leasburg
  • Leicester
  • Leland
  • Lemon Springs
  • Lenoir
  • Lewiston Woodville
  • Lewisville
  • Lexington
  • Liberty
  • Lilesville
  • Lillington
  • Lincolnton
  • Linden
  • Linville
  • Linville Falls
  • Linwood
  • Little Switzerland
  • Littleton
  • Locust
  • Longwood
  • Louisburg
  • Lowell
  • Lowgap
  • Lowland
  • Lucama
  • Lumber Bridge
  • Lumberton
  • Lynn
  • Macclesfield
  • Macon
  • Madison
  • Maggie Valley
  • Magnolia
  • Maiden
  • Mamers
  • Manns Harbor
  • Manson
  • Manteo
  • Maple
  • Maple Hill
  • Marble
  • Margarettsville
  • Marietta
  • Marion
  • Mars Hill
  • Marshall
  • Marshallberg
  • Marshville
  • Marston
  • Matthews
  • Maury
  • Maxton
  • Mayodan
  • Maysville
  • McAdenville
  • Mccain
  • Mccutcheon Field
  • McFarlan
  • McGrady
  • McLeansville
  • Mebane
  • Merritt
  • Merry Hill
  • Micaville
  • Micro
  • Middleburg
  • Middlesex
  • Midland
  • Midway Park
  • Mill Spring
  • Millers Creek
  • Milton
  • Milwaukee
  • Mineral Springs
  • Minneapolis
  • Misenheimer
  • Mocksville
  • Moncure
  • Monroe
  • Montezuma
  • Montreat
  • Mooresboro
  • Mooresville
  • Moravian Falls
  • Morehead City
  • Morganton
  • Morrisville
  • Morven
  • Mount Airy
  • Mount Gilead
  • Mount Holly
  • Mount Mourne
  • Mount Olive
  • Mount Pleasant
  • Mount Ulla
  • Mountain Home
  • Moyock
  • Murfreesboro
  • Murphy
  • Nags Head
  • Nakina
  • Naples
  • Nashville
  • Nebo
  • New Bern
  • New Hill
  • New London
  • Newell
  • Newland
  • Newport
  • Newton
  • Newton Grove
  • Norlina
  • Norman
  • North Wilkesboro
  • Norwood
  • Oak City
  • Oak Island
  • Oak Ridge
  • Oakboro
  • Ocean Isle Beach
  • Ocracoke
  • Old Fort
  • Olin
  • Olivia
  • Oriental
  • Orrum
  • Otto
  • Oxford
  • Palmyra
  • Pantego
  • Parkton
  • Parmele
  • Patterson
  • Paw Creek
  • Peachland
  • Pelham
  • Pembroke
  • Pendleton
  • Penland
  • Penrose
  • Pfafftown
  • Pikeville
  • Pilot Mountain
  • Pine Hall
  • Pine Level
  • Pinebluff
  • Pinehurst
  • Pineola
  • Pinetops
  • Pinetown
  • Pineville
  • Piney Creek
  • Pink Hill
  • Pinnacle
  • Pisgah Forest
  • Pittsboro
  • Pleasant Garden
  • Pleasant Hill
  • Plumtree
  • Plymouth
  • Point Harbor
  • Polkton
  • Polkville
  • Pollocksville
  • Pope A F B
  • Poplar Branch
  • Potecasi
  • Powells Point
  • Powellsville
  • Princeton
  • Proctorville
  • Prospect Hill
  • Providence
  • Purlear
  • Raeford
  • Raleigh
  • Ramseur
  • Randleman
  • Red Oak
  • Red Springs
  • Reidsville
  • Rex
  • Rhodhiss
  • Rich Square
  • Richfield
  • Richlands
  • Ridgecrest
  • Ridgeway
  • Riegelwood
  • Roanoke Rapids
  • Roaring Gap
  • Roaring River
  • Robbins
  • Robbinsville
  • Robersonville
  • Rockingham
  • Rockwell
  • Rocky Mount
  • Rocky Point
  • Rodanthe
  • Roduco
  • Rolesville
  • Ronda
  • Roper
  • Rose Hill
  • Roseboro
  • Rosman
  • Rougemont
  • Rowland
  • Roxboro
  • Roxobel
  • Ruffin
  • Rural Hall
  • Rutherford College
  • Rutherfordton
  • Saint Pauls
  • Salemburg
  • Salisbury
  • Salter Path
  • Saluda
  • Salvo
  • Sandy Ridge
  • Sanford
  • Sapphire
  • Saratoga
  • Saxapahaw
  • Scaly Mountain
  • Scotland Neck
  • Scotts
  • Scottville
  • Scranton
  • Seaboard
  • Seagrove
  • Sealevel
  • Sedalia
  • Selma
  • Semora
  • Seven Springs
  • Severn
  • Shallotte
  • Shannon
  • Sharpsburg
  • Shawboro
  • Shelby
  • Sherrills Ford
  • Shiloh
  • Siler City
  • Siloam
  • Simpson
  • Sims
  • Skyland
  • Smithfield
  • Smyrna
  • Sneads Ferry
  • Snow Camp
  • Snow Hill
  • Sophia
  • South Brunswick
  • South Mills
  • Southern Pines
  • Southmont
  • Southport
  • Sparta
  • Speed
  • Spencer
  • Spindale
  • Spring Hope
  • Spring Lake
  • Spruce Pine
  • Stacy
  • Staley
  • Stanfield
  • Stanley
  • Stantonsburg
  • Star
  • State Road
  • Statesville
  • Stedman
  • Stella
  • Stem
  • Stokes
  • Stokesdale
  • Stoneville
  • Stonewall
  • Stony Point
  • Stovall
  • Stumpy Point
  • Sugar Grove
  • Summerfield
  • Sunbury
  • Sunset Beach
  • Supply
  • Swannanoa
  • Swanquarter
  • Swansboro
  • Swepsonville
  • Sylva
  • Tabor City
  • Tar Heel
  • Tarawa Terrace
  • Tarboro
  • Taylorsville
  • Teachey
  • Terrell
  • Thomasville
  • Thurmond
  • Tillery
  • Timberlake
  • Toast
  • Tobaccoville
  • Todd
  • Topton
  • Townsville
  • Traphill
  • Trenton
  • Trinity
  • Troutman
  • Troy
  • Tryon
  • Tuckasegee
  • Turkey
  • Turnersburg
  • Tuxedo
  • Tyner
  • Union Grove
  • Union Mills
  • Valdese
  • Vale
  • Valle Crucis
  • Vanceboro
  • Vandemere
  • Vass
  • Vaughan
  • Vilas
  • Waco
  • Wade
  • Wadesboro
  • Wagram
  • Wake Forest
  • Walkertown
  • Wallace
  • Wallburg
  • Walnut Cove
  • Walstonburg
  • Wanchese
  • Warne
  • Warrensville
  • Warrenton
  • Warsaw
  • Washington
  • Watha
  • Waves
  • Waxhaw
  • Waynesville
  • Weaverville
  • Webster
  • Welcome
  • Weldon
  • Wendell
  • Wentworth
  • West End
  • West Jefferson
  • Westfield
  • Whitakers
  • White Oak
  • White Plains
  • Whiteville
  • Whitsett
  • Whittier
  • Wilkesboro
  • Willard
  • Williamston
  • Williston
  • Willow Spring
  • Wilmington
  • Wilson
  • Wilsons Mills
  • Windsor
  • Winfall
  • Wingate
  • Winnabow
  • Winston Salem
  • Winterville
  • Winton
  • Wise
  • Woodland
  • Woodleaf
  • Wrightsboro
  • Wrightsville Beach
  • Yadkinville
  • Yanceyville
  • Youngsville
  • Zebulon
  • Zionville
  • Zirconia