Auto Loan Rates in Tennessee (TN) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Tennessee. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Tennessee include Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN, 38116 1917A+5.0 ★Texas Ratio: 2.42% offering Auto Loan at 3.45%, Leaders Credit UnionLeaders Credit Union214 Oil Well Rd, Jackson, TN, 38305 7914A+5.0 ★Texas Ratio: 4.94% offering Auto Loans at 3.49%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionAAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214A+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Memphis City Employees Credit UnionMemphis City Employees Credit Union2608 Avery Ave, Memphis, TN, 38112 4821A+5.0 ★Texas Ratio: 1.83% offering New & Used Auto at 3.99%, Nashville Post Office Credit UnionNashville Post Office Credit Union10 Rachel Dr, Nashville, TN, 37214A+5.0 ★Texas Ratio: 2.43% offering New Auto at 4.00%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Tennessee side-by-side. Tennessee auto loan rates currently start as low as 3.45% APR from Orion Federal Credit Union at 3155 Millbranch Rd, Memphis, TN, 38116 1917. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Tennessee. Auto Loan Rates Last Updated and Verified: May 2, 2026
Compare Auto Loan Rates Today in Tennessee
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Auto Loan
3.45%
Max. 84 Months
▼
APR3.45%
TermMax. 84 Months
Last UpdatedMay 2, 2026
Details
Starting at 3.45%
Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Auto Loans
3.49%
96 months
▼
APR3.49%
Term96 months
Last UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 17, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 8, 2026
Details
Loan Promotion
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Vehicle Loans
4.49%
48- 84 Months
▼
APR4.49%
Term48- 84 Months
Last UpdatedApr 8, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Auto Loans
4.49%
24 Mos.
▼
APR4.49%
Term24 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.49%
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedMay 2, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of Retail, 501 - 15,000 Miles
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Used Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of NADA Retail
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Auto Loans
4.74%
48 Mos.
▼
APR4.74%
Term48 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.74%
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 17, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details
As Low As
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car 60 Month Fixed
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 24 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedApr 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedApr 18, 2026
Details
125% financing available. No minimum loan amount.
Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
164 N Henderson Ave Ste B, Sevierville, TN, 37862
Auto Loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedApr 18, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 2, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
100% of Retail
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New Auto Loan Rate Special 2021-2026
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: direct deposit or automatic payment; Limited-Time New Auto Loan Rate Special 2021-2026; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; 24 months
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car 60 Month Fixed
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 25, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMay 2, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedApr 19, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedApr 18, 2026
Details
125% financing available.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
112 Administration Rd, Oak Ridge, TN, 37830
Auto Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Auto Loans
5.24%
72 Mos.
▼
APR5.24%
Term72 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 5.24%
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New Auto Loan Rate Special 2021-2026
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
Limited-Time New Auto Loan Rate Special 2021-2026
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 17, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car 72 Month Fixed
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 25, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedApr 19, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 25, 2026
Details
As Low As
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New Auto Loan Rate Special 2021-2026
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: direct deposit or automatic payment; Limited-Time New Auto Loan Rate Special 2021-2026; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
New Auto/Truck
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 17, 2026
Details
2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Auto Loans
5.50%
Up to 36 months
▼
APR5.50%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
Fixed rates as low as: 5.50% APR*
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older - Up to 36 months
5.50%
Up to 36 months
▼
APR5.50%
TermUp to 36 months
Last UpdatedApr 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car 72 Month Fixed
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 25, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedApr 27, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedApr 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van
5.70%
36-84 month financing
▼
APR5.70%
Term36-84 month financing
Last UpdatedApr 25, 2026
Details
As Low As; 2013-2022 models
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
Auto Loans
5.74%
84 Mos.
▼
APR5.74%
Term84 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 5.74%
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New Auto Loan Rate Special 2021-2026
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedMay 2, 2026
Details
Limited-Time New Auto Loan Rate Special 2021-2026
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
0 - 5 Years Old
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older - Up to 84 months
5.75%
Up to 84 months
▼
APR5.75%
TermUp to 84 months
Last UpdatedApr 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car 84 Month Fixed
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 25, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMay 2, 2026
Details
Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
627 Livingston Rd, Crossville, TN, 38555
Auto Loan
5.89%
0 - 60
▼
APR5.89%
Term0 - 60
Last UpdatedApr 17, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
Used Vehicle Loans
5.99%
48 - 72 Months
▼
APR5.99%
Term48 - 72 Months
Last UpdatedApr 8, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Older Vehicles (2011-2016)
5.99%
up to 48 months
▼
APR5.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car 96 Month Fixed
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedApr 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car 84 Month Fixed
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedApr 25, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
6.00%
up to 36 mos
▼
APR6.00%
Termup to 36 mos
Last UpdatedMay 2, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMay 2, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedApr 18, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2018-2020
6.10%
60 Months
▼
APR6.10%
Term60 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedApr 19, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
0 - 5 Years Old
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2018-2020
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedApr 27, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
580 Franklin Rd, Franklin, TN, 37069
Auto Loans 2022
6.49%
63 Months
▼
APR6.49%
Term63 Months
Last UpdatedApr 17, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
▼
APR6.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
2016 - 2018 - Up to 60 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.50%
Up to 84 months
▼
APR6.50%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
* Denotes an auto over $40K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedMay 2, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos Less than 100,000 miles - Up to 96 months
6.74%
Up to 96 months
▼
APR6.74%
TermUp to 96 months
Last UpdatedApr 25, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
580 Franklin Rd, Franklin, TN, 37069
Auto Loans 2020
6.75%
63 Months
▼
APR6.75%
Term63 Months
Last UpdatedApr 17, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedApr 27, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedMay 2, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos
6.85%
up to 48 mos
▼
APR6.85%
Termup to 48 mos
Last UpdatedMay 2, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
6.99%
24 Months
▼
APR6.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
Up tp 100% MSRP
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Older Vehicles (2011-2016)
6.99%
up to 60 months
▼
APR6.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 25, 2026
Details
As Low As
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
6.99%
Up to 84 mos.Up to 72 mos.Up to 60 mos.Up to 48 mos.
▼
APR6.99%
TermUp to 84 mos.Up to 72 mos.Up to 60 mos.Up to 48 mos.
Last UpdatedApr 26, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
2015 and older - Up to 36 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
7.00%
Up to 96 months
▼
APR7.00%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details
** Denotes an auto over $50K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedMay 2, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
7.24%
Up to 84 mos.Up to 72 mos.Up to 60 mos.Up to 48 mos.36 mos.
▼
APR7.24%
TermUp to 84 mos.Up to 72 mos.Up to 60 mos.Up to 48 mos.36 mos.
Last UpdatedApr 26, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old
Up to 48 months - over $10,000 or less than 5 years old
Up to 36 months - over 5 years old.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2017 & Older
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedApr 19, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up tp 100% MSRP
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 2, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2017 & Older
7.60%
60 Months
▼
APR7.60%
Term60 Months
Last UpdatedApr 19, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Classic Autos
7.75%
6 - 84 months
▼
APR7.75%
Term6 - 84 months
Last UpdatedApr 27, 2026
Details
As Low As
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
7.99%
24 Months
▼
APR7.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
Up tp 100% NADA
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 36 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
8.10%
36 Months
▼
APR8.10%
Term36 Months
Last UpdatedApr 19, 2026
Details
6 Years & OLDER (Up to 100 % of NADA Retail Value)
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
8.29%
48 Months
▼
APR8.29%
Term48 Months
Last UpdatedApr 18, 2026
Details
Up tp 100% NADA
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
8.49%
60 Months
▼
APR8.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up tp 100% NADA
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 2, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
8.75%
24 Months
▼
APR8.75%
Term24 Months
Last UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
New/Used Auto Loan
9.00%
24-36
▼
APR9.00%
Term24-36
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
9.25%
48 Months
▼
APR9.25%
Term48 Months
Last UpdatedApr 18, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
9.49%
72 Months
▼
APR9.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
Up tp 100% NADA
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
9.75%
72 Months
▼
APR9.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
10.79%
24 Months
▼
APR10.79%
Term24 Months
Last UpdatedApr 18, 2026
Details
Up to 100% NADA
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
11.29%
36 Months
▼
APR11.29%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to 100% NADA
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
11.79%
48 Months
▼
APR11.79%
Term48 Months
Last UpdatedApr 18, 2026
Details
Up to 100% NADA
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
12.29%
60 Months
▼
APR12.29%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to 100% NADA
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
12.79%
72 Months
▼
APR12.79%
Term72 Months
Last UpdatedApr 18, 2026
Details
Up to 100% NADA
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
13.29%
76-84
▼
APR13.29%
Term76-84
Last UpdatedApr 18, 2026
Details
Up to 100% NADA
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
New Auto/Truck
14.75%
84 Months
▼
APR14.75%
Term84 Months
Last UpdatedApr 17, 2026
Details
2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
14.75%
72 Months
▼
APR14.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
14.75%
36 Months
▼
APR14.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
15.75%
60 Months
▼
APR15.75%
Term60 Months
Last UpdatedApr 17, 2026
Details
2016 - 2018 - Up to 60 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
16.25%
36 Months
▼
APR16.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
2015 and older - Up to 36 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 17, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 8, 2026
Details
Loan Promotion
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Vehicle Loans
4.49%
48- 84 Months
▼
APR4.49%
Term48- 84 Months
Last UpdatedApr 8, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedMay 2, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of Retail, 501 - 15,000 Miles
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 17, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details
As Low As
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car 60 Month Fixed
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 25, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 24 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedApr 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedApr 18, 2026
Details
125% financing available. No minimum loan amount.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
100% of Retail
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New Auto Loan Rate Special 2021-2026
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: direct deposit or automatic payment; Limited-Time New Auto Loan Rate Special 2021-2026; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMay 2, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New Auto Loan Rate Special 2021-2026
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
Limited-Time New Auto Loan Rate Special 2021-2026
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 17, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car 72 Month Fixed
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 25, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 25, 2026
Details
As Low As
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New Auto Loan Rate Special 2021-2026
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: direct deposit or automatic payment; Limited-Time New Auto Loan Rate Special 2021-2026; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
New Auto/Truck
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 17, 2026
Details
2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedApr 27, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedApr 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
New Auto Loan Rate Special 2021-2026
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedMay 2, 2026
Details
Limited-Time New Auto Loan Rate Special 2021-2026
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car 84 Month Fixed
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 25, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car 96 Month Fixed
6.00%
96 Months
▼
APR6.00%
Term96 Months
Last UpdatedApr 25, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
New Autos
6.00%
up to 36 mos
▼
APR6.00%
Termup to 36 mos
Last UpdatedMay 2, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMay 2, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedApr 19, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.50%
Up to 84 months
▼
APR6.50%
TermUp to 84 months
Last UpdatedMay 2, 2026
Details
* Denotes an auto over $40K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedMay 2, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
6.99%
Up to 84 mos.Up to 72 mos.Up to 60 mos.Up to 48 mos.
▼
APR6.99%
TermUp to 84 mos.Up to 72 mos.Up to 60 mos.Up to 48 mos.
Last UpdatedApr 26, 2026
Details
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
7.00%
Up to 96 months
▼
APR7.00%
TermUp to 96 months
Last UpdatedMay 2, 2026
Details
** Denotes an auto over $50K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
▼
APR7.57%
Term84 Months
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
New/Used Auto Loan
9.00%
24-36
▼
APR9.00%
Term24-36
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
New Auto/Truck
14.75%
84 Months
▼
APR14.75%
Term84 Months
Last UpdatedApr 17, 2026
Details
2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
14.75%
36 Months
▼
APR14.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
15.25%
72 Months
▼
APR15.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 17, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Used Auto
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
90% of NADA Retail
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 17, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedMay 2, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
As Low As; 24 months
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car 60 Month Fixed
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 25, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedApr 19, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedApr 18, 2026
Details
125% financing available.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 17, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 2, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedApr 19, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car 72 Month Fixed
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 25, 2026
Details
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van
5.70%
36-84 month financing
▼
APR5.70%
Term36-84 month financing
Last UpdatedApr 25, 2026
Details
As Low As; 2013-2022 models
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedApr 19, 2026
Details
0 - 5 Years Old
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMay 2, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
Used Vehicle Loans
5.99%
48 - 72 Months
▼
APR5.99%
Term48 - 72 Months
Last UpdatedApr 8, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 2, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car 84 Month Fixed
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedApr 25, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedApr 18, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2018-2020
6.10%
60 Months
▼
APR6.10%
Term60 Months
Last UpdatedApr 19, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 2, 2026
Details
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in loan rate as low as 5.99% APR.
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
6.25%
60 Months
▼
APR6.25%
Term60 Months
Last UpdatedApr 19, 2026
Details
0 - 5 Years Old
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2018-2020
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.25%
6 - 84 months
▼
APR6.25%
Term6 - 84 months
Last UpdatedApr 27, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedApr 17, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
▼
APR6.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details
2016 - 2018 - Up to 60 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedApr 17, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.75%
6 - 72 months
▼
APR6.75%
Term6 - 72 months
Last UpdatedApr 27, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
As Low As; 72 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedMay 2, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN, 37421
Used Autos
6.85%
up to 48 mos
▼
APR6.85%
Termup to 48 mos
Last UpdatedMay 2, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 25, 2026
Details
As Low As
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
2015 and older - Up to 36 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedMay 2, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
7.24%
Up to 84 mos.Up to 72 mos.Up to 60 mos.Up to 48 mos.36 mos.
▼
APR7.24%
TermUp to 84 mos.Up to 72 mos.Up to 60 mos.Up to 48 mos.36 mos.
Last UpdatedApr 26, 2026
Details
Up to 60 months - NADA Average Retail or Purchase Price (whichever is less) - over $15,000 or less than 1 year old
Up to 48 months - over $10,000 or less than 5 years old
Up to 36 months - over 5 years old.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As; >$25,0000 for 84 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2017 & Older
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedApr 19, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2017 & Older
7.60%
60 Months
▼
APR7.60%
Term60 Months
Last UpdatedApr 19, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 36 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedMay 2, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
8.10%
36 Months
▼
APR8.10%
Term36 Months
Last UpdatedApr 19, 2026
Details
6 Years & OLDER (Up to 100 % of NADA Retail Value)
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
▼
APR8.57%
Term72 Months
Last UpdatedMay 2, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
New/Used Auto Loan
9.00%
24-36
▼
APR9.00%
Term24-36
Last UpdatedApr 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedMay 2, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedMay 2, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
14.75%
72 Months
▼
APR14.75%
Term72 Months
Last UpdatedApr 17, 2026
Details
2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
15.75%
60 Months
▼
APR15.75%
Term60 Months
Last UpdatedApr 17, 2026
Details
2016 - 2018 - Up to 60 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
16.25%
36 Months
▼
APR16.25%
Term36 Months
Last UpdatedApr 17, 2026
Details
2015 and older - Up to 36 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
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MonitorBankRates
Tennessee Auto Loan Rate Trends
Compare local Tennessee auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TN Avg
5.285%
▼ 0.195 vs 7 days ago
Tennessee new auto rates fell 0.195 points over the past 7 days to 5.285% APR.
Used Auto Loan — TN Avg
5.919%
▼ 0.035 vs 7 days ago
Tennessee used auto rates fell 0.035 points over the past 7 days to 5.919% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Tennessee
How does my credit score affect my car loan rate in Tennessee?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Tennessee 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 Tennessee *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 Tennessee 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 Tennessee?
Based on our current data, some of the lowest auto loan rates available in Tennessee include:
- Orion Federal Credit Union: 3.45% (Auto Loan)
- Leaders Credit Union: 3.49% (Auto Loans)
- American Airlines Federal Credit Union: 3.74% (New Auto)
- Memphis City Employees Credit Union: 3.99% (New & Used Auto)
- Nashville Post Office Credit Union: 4.00% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026
Auto Loan Rates by City in Tennessee
Rate Assistant
MonitorBankRates.com · Live Data
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