Johnson City, Tennessee Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Johnson City, Tennessee auto loan rates range from 3.15% to 8.99% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Johnson City, Tennessee include United Southeast Federal Credit UnionUnited Southeast Federal Credit Union4718 N Roan St, Johnson City, TN, 37615 3837A+5.0 ★Texas Ratio: 1.76%Rate verified Nov 7, 2026 offering New Auto ('27 or Newer) at 3.75%, Northeast Community Credit UnionNortheast Community Credit Union313 W Oakland Ave, Johnson City, TN, 37604A+5.0 ★Texas Ratio: 5.14%Rate verified Nov 8, 2026 offering New or Used Cars and Trucks (2025-2026) - Vehicle Loan at 4.49%, Beacon Financial Credit UnionBeacon Financial Credit Union300 Med Tech Pkwy, Johnson City, TN, 37604A-5.0 ★Texas Ratio: 14.56%Rate verified Nov 9, 2026 offering New Autos at 4.75%, Eastman Credit UnionEastman Credit Union113 Broyles Dr, Johnson City, TN, 37601A+5.0 ★Texas Ratio: 1.56%Rate verified Nov 9, 2026 offering Auto Loan - New Auto at 4.99%, Select Seven Federal Credit UnionSelect Seven Federal Credit Union333 E Main St, Johnson City, TN, 37601A+5.0 ★Texas Ratio: 0.98%Rate verified Nov 7, 2026 offering Used Car/Truck/Van Loan at 5.10%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Johnson City has 8 local institutions in our database, with auto loan rates as low as 3.75% APR from United Southeast Federal Credit Union at 4718 N Roan St, Johnson City, TN, 37615 3837. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Johnson City, Tennessee. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Johnson City, Tennessee & Surrounding Area
Johnson City Auto Loan Rates
As Low As; Amount: up to 120%; Pmt per $1,000: $16.58- $29.40
As Low As; Amount: up to 120%; Pmt per $1,000: $16.95- $29.40
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; 100% of Retail Value
As Low As; We will finance Loan Value or average retail / trade-in/loan value
As Low As; APR range 4.990% - 12.490%; Payment example $310.96 - $385.45
- Nov 9, 20264.99%▲ from 4.74%
- Oct 14, 20264.74%first recorded
As Low As; APR range 5.10% - 16.55%; 2014-2023 models
- Oct 28, 20265.10%▼ from 5.70%
- Oct 12, 20265.70%first recorded
As Low As; APR range 5.240% - 13.140%; Payment example $313.96 - $392.34
- Nov 9, 20265.24%▲ from 4.99%
- Oct 14, 20264.99%first recorded
As Low As; Rates effective: October 19, 2026
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Vehicle: upcoming, current & previous model years, under 10,000 miles
As Low As; Rates effective: October 19, 2026
As Low As; Model Year: 2016 - 2020; Longer terms are available
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20265.99%▼ from 6.24%
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20265.99%▼ from 6.24%
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20265.99%▼ from 6.24%
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20265.99%▼ from 6.24%
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Vehicle: 7 years old or newer
As Low As; Rates effective: October 19, 2026
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.49%▼ from 6.74%
- Nov 5, 20266.74%▲ from 6.49%
- Oct 14, 20266.49%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.74%▲ from 6.49%
- Oct 14, 20266.49%first recorded
As Low As; Vehicle: 8-15 years old
As Low As; Rates effective: October 19, 2026
As Low As; Older Vehicles (2011-2016); Rates effective: October 19, 2026; Loyalty discounts may lower the rate
As Low As; Auto Loans - Used (2020 and Older); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.99%▼ from 7.24%
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.99%▼ from 7.24%
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.99%▼ from 7.24%
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.99%▼ from 7.24%
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); standard APR*
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); standard APR*
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); standard APR*
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); standard APR*
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Older Vehicles (2011-2016); Rates effective: October 19, 2026; Loyalty discounts may lower the rate
As Low As; Vehicle: 25 years and older; Minimum credit score required
As Low As; Model Year: 2015 - Older; Longer terms are available
APR range: 3.15% - 9.15%; NEW vehicle: 25k miles or less, 3 model years or less
Published APR range: 3.25% - 14.75%. Model Years: 2017-2026
As Low As
Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Rates based on Beacon score of 730 or higher
Base rate range: 3.50% - 9.50%
Published APR range: 3.75% - 15.25%. Model Years: 2017-2026
As Low As; Model Year: 2026-2023; Credit Grade: A+; Actual rate is determined by credit score
As Low As
As Low As; New auto loan; No first payment for 90 days
APR range: 3.90% - 9.90%; NEW vehicle: 25k miles or less, 3 model years or less
APR range: 3.90% - 9.90%; 72 months on $20k+; NEW vehicle: 25k miles or less, 3 model years or less
As Low As; Starting at 3.95% APR
As Low As; NEW Auto Loan Rates
Lowest available rate; rate may be higher depending on credit score; new vehicle up to two years old with fewer than 15,000 miles
Lowest available rate; rate may be higher depending on credit score; new vehicle up to two years old with fewer than 15,000 miles
As Low As; Model Year: 2026-2023; Credit Grade: A+; Actual rate is determined by credit score
Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Rates based on Beacon score of 730 or higher
Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Rates based on Beacon score of 730 or higher
As Low As; Rates subject to change daily; APR based on credit worthiness
As Low As; Rates subject to change daily; APR based on credit worthiness
As Low As
Base rate range: 4.15% - 10.15%
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Vehicle Year: 2025 & Newer
Published APR range: 4.25% - 15.75%. Model Years: 2017-2026
As Low As; Model Year: 2022-2020; Credit Grade: A+; Actual rate is determined by credit score
Luxury Only; Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Luxury auto: MSRP of $25,000 or < when vehicle was new; Rates based on Beacon score of 730 or higher
As Low As; New auto loan; No first payment for 90 days
As Low As; Used auto loan; No first payment for 90 days
Maximum Term; APR range 4.25% - 18%
- Oct 19, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; 125% of MSRP Retail Value. See Credit Union for limitations and more info
- Oct 30, 20264.25%▼ from 4.64%
- Oct 22, 20264.64%first recorded
As Low As; Vehicle Loans - New Auto
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Vehicle Year: 2025 & Newer
As Low As; Fixed
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Motorized Vehicle Loan rates include a 0.50% discount with automatic payment from a PECU checking account; 73-84 month terms available for new and used vehicles within three model years or less
As Low As; 90% of Retail
As Low As; 90% of Retail; 501 - 15,000 Miles
As Low As; 90% of NADA Retail
As Low As
- Sep 29, 20264.49%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Published APR range: 4.49%-12.50%. Daily Periodic Rate: 0.012% - 0.032%; Managed Credit Program: APR determined by credit worthiness
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; 125% of MSRP Retail Value. See Credit Union for limitations and more info
- Oct 30, 20264.49%▼ from 4.54%
- Oct 22, 20264.54%first recorded
As Low As; Vehicle Loans - Used Auto**; Restrictions apply based upon model year
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
As Low As; Model Year: 2022-2020; Credit Grade: A+; Actual rate is determined by credit score
As Low As; Model Year: 2026-2023; Credit Grade: A+; Actual rate is determined by credit score
Rates based on Beacon score of 730 or higher
Rates based on Beacon score of 730 or higher
As Low As; Used auto loan; No first payment for 90 days
As Low As; NEW Auto Loan Rates
As Low As; USED Auto Loan Rates
As Low As; Rates subject to change daily; APR based on credit worthiness
Credit Rating: A
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As
Mileage: Within 3 most recent model years and less than 25,000 miles; APR range 4.64% to 16.24%; Footnote 1: up to 135% of MSRP or NADA Retail, includes tax, tag, warranty; GAP Protection may be added
Mileage: Within 3 most recent model years and less than 25,000 miles; APR range: 4.64% to 16.24%; Up to 135% of MSRP or NADA Retail, includes tax, tag, warranty; GAP Protection may be added; Proof of insurance required with $1,000 deductible
- Oct 23, 20264.64%▲ from 4.39%
- Sep 16, 20264.39%first recorded
As Low As; Vehicle Year: 2025 & Newer
As Low As; As low as 4.74% with member discount; Loan Rates effective Saturday, November 7, 2026
As Low As; As low as 4.74% with member discount; Loan Rates effective Saturday, November 7, 2026
As Low As; Fixed
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Variable rate on 72 mos; 72 mos available on loans over $10,000; lowest available rate; rate may be higher depending on credit score; new vehicle up to two years old with fewer than 15,000 miles
Published APR range: 4.75% - 16.25%. Model Years: 2017-2026
As Low As; Model Year: 2019-2016; Credit Grade: A+; Actual rate is determined by credit score
As Low As; Model Year: 2022-2020; Credit Grade: A+; Actual rate is determined by credit score
Luxury Only; Rates based on Beacon score of 730 or higher
Credit Grade: A (850-800)
As Low As; Rates as of 4/2/2026; $100 loan application fee applies
Maximum Term; APR range 4.75% - 18%
- Oct 19, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Maximum Term; APR range 4.75% - 18%
- Oct 19, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Auto rates are based on creditworthiness and age of collateral.
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Models 5 years or newer; 125% financing available; No minimum loan amount; APR range: 4.90% - 13.10%
As Low As; New auto loan; No first payment for 90 days
APR range: 4.90% - 10.90%; 84 months on $30k+; NEW vehicle: 25k miles or less, 3 model years or less
Base rate range: 4.90% - 10.90%
As Low As; Auto rates are based on creditworthiness and age of collateral.
As Low As; Auto rates are based on creditworthiness and age of collateral.
As Low As; Auto rates are based on creditworthiness and age of collateral.
As Low As; Auto rates are based on creditworthiness and age of collateral.
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Vehicle Year: 2025 & Newer
Rate range: 4.99% - 11.00%; Effective 11/1/2026
- Nov 7, 20264.99%▼ from 5.74%
- Sep 14, 20265.74%first recorded
Term based on year
As Low As; Fixed
Credit Grade: B (799-740)
Credit Grade: A (850-800)
As Low As; USED Auto Loan Rates
As Low As; Auto rates as low as 4.99% for 78 months; Refinance your auto loan with us and don't worry about making payments in the summer
As Low As; Rates current as of 11/07/2026
As Low As; Motorized Vehicle Loan rates include a 0.50% discount with automatic payment from a PECU checking account; 73-84 month terms available for new and used vehicles within three model years or less
As Low As; 100% of Retail
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; Some restrictions apply. All new auto loans not to exceed MSRP and all used auto loans not to exceed NADA retail.
As Low As; 125% of MSRP Retail Value. See Credit Union for limitations and more info
- Oct 30, 20264.99%▼ from 5.15%
- Oct 22, 20265.15%first recorded
Published APR range: 4.99% - 12.50%. Model Year: 2025-2026
As Low As; Vehicle Loans - New Auto
As Low As; Vehicle Loans - New Auto
As Low As; Vehicle Loans - New Auto
As Low As; Model Year: 2019-2016; Credit Grade: A+; Actual rate is determined by credit score
As Low As; Rates as of 4/2/2026; $100 loan application fee applies
Up to 15,000 miles; Credit Score: 850-750
- Nov 8, 20265.00%▼ from 5.50%
- Oct 19, 20265.50%first recorded
As Low As; APR based on credit worthiness; Vehicles from 25,000 to 100,000 miles; See Loan Officer for vehicles over 100,000 miles
Credit Rating: A
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
- Nov 7, 20265.10%▲ from 5.00%
- Oct 12, 20265.00%first recorded
Published APR range: 5.14% to 17.24%. Mileage: Within 3 most recent model years and less than 25,000 miles; Rates vary by member credit, collateral and term selected
- Oct 23, 20265.14%▲ from 4.89%
- Oct 15, 20264.89%first recorded
Mileage: Within 3 most recent model years and less than 25,000 miles; APR range: 5.14% to 17.24%; Up to 135% of MSRP or NADA Retail, includes tax, tag, warranty; GAP Protection may be added; Proof of insurance required with $1,000 deductible
- Oct 23, 20265.14%▲ from 4.89%
- Sep 16, 20264.89%first recorded
Models 6 to 10 years old; 125% financing available; APR range: 5.15% - 13.25%
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Vehicle Year: 2021-2024
As Low As; Rates current as of 11/07/2026
As Low As; Term limits and restrictions apply, ask for details.
As Low As; Fixed
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
Vehicle Loans; As Low As; Vehicle Loans APR as low as 4.99%
As Low As; Rates as low as: Vehicle, Street Bikes, Watercrafts, RVs & Personal/Signature Loans
As Low As; Model Year: 2019-2016; Credit Grade: A+; Actual rate is determined by credit score
Loan amount up to $90,000.00; APR range 5.25% - 10.00%
Luxury Only; Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Luxury auto: MSRP of $25,000 or < when vehicle was new; Rates based on Beacon score of 730 or higher
As Low As; Used auto loan; No first payment for 90 days
As Low As; APR based on credit worthiness; Vehicles from 25,000 to 100,000 miles; See Loan Officer for vehicles over 100,000 miles
As Low As; Consumer Fixed Rate Loans as of 10/19/2026
As Low As; APR advertised as low as
Maximum Term; New vehicles only; APR range 5.25% - 18%
- Oct 19, 20265.25%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Maximum Term; APR range 5.25% - 18%
- Oct 19, 20265.25%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Base rate range: 5.25% - 11.25%
Base rate range: 5.25% - 11.25%
Published APR range: 5.25% - 12.75%. Model Year: 2025-2026
APR range: 5.25% - 17.50%
- Nov 5, 20265.25%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Vehicle Loans; APR as low as 4.99% on Vehicle Loans page; rates effective as of 08/20/2026
- Nov 9, 20265.30%▲ from 5.05%
- Oct 10, 20265.05%first recorded
As Low As; Vehicle: Used Vehicle 2020-2027; Footnote b: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years
- Nov 7, 20265.35%▲ from 5.25%
- Oct 12, 20265.25%first recorded
As Low As; Vehicle Year: 2020
As Low As; 25,001 miles to 99,999 miles; Up to 135% of Retail
APR range: 5.49% - 17.64%; Minimum Loan Value: No Minimum
- Oct 12, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; As low as 5.49% with member discount; Loan Rates effective Saturday, November 7, 2026
Credit Grade: B (799-740)
Credit Grade: A (850-800)
Credit Tier A (850-800); Rates shown are APR
As Low As; Rates current as of 11/07/2026
As Low As; 25,001 miles to 99,999 miles; Up to 135% of Retail
Variable rate on 84 mos; 84 mos available on loans over $30,000; lowest available rate; rate may be higher depending on credit score; new vehicle up to two years old with fewer than 15,000 miles
Johnson City New Auto Auto Loan Rates
As Low As; Amount: up to 120%; Pmt per $1,000: $16.58- $29.40
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; 100% of Retail Value
As Low As; APR range 4.990% - 12.490%; Payment example $310.96 - $385.45
- Nov 9, 20264.99%▲ from 4.74%
- Oct 14, 20264.74%first recorded
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Vehicle: upcoming, current & previous model years, under 10,000 miles
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20265.99%▼ from 6.24%
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20265.99%▼ from 6.24%
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20265.99%▼ from 6.24%
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20265.99%▼ from 6.24%
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.24%▲ from 5.99%
- Oct 14, 20265.99%first recorded
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Auto Loans - New (2021 and Newer); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.49%▼ from 6.74%
- Nov 5, 20266.74%▲ from 6.49%
- Oct 14, 20266.49%first recorded
As Low As; Auto Loans - New (2021 and Newer); standard APR*
- Nov 5, 20266.74%▲ from 6.49%
- Oct 14, 20266.49%first recorded
APR range: 3.15% - 9.15%; NEW vehicle: 25k miles or less, 3 model years or less
Published APR range: 3.25% - 14.75%. Model Years: 2017-2026
As Low As
Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Rates based on Beacon score of 730 or higher
Published APR range: 3.75% - 15.25%. Model Years: 2017-2026
As Low As; New auto loan; No first payment for 90 days
APR range: 3.90% - 9.90%; NEW vehicle: 25k miles or less, 3 model years or less
APR range: 3.90% - 9.90%; 72 months on $20k+; NEW vehicle: 25k miles or less, 3 model years or less
As Low As; NEW Auto Loan Rates
Lowest available rate; rate may be higher depending on credit score; new vehicle up to two years old with fewer than 15,000 miles
Lowest available rate; rate may be higher depending on credit score; new vehicle up to two years old with fewer than 15,000 miles
Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Rates based on Beacon score of 730 or higher
Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Rates based on Beacon score of 730 or higher
As Low As
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Vehicle Year: 2025 & Newer
Published APR range: 4.25% - 15.75%. Model Years: 2017-2026
Luxury Only; Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Luxury auto: MSRP of $25,000 or < when vehicle was new; Rates based on Beacon score of 730 or higher
As Low As; New auto loan; No first payment for 90 days
Maximum Term; APR range 4.25% - 18%
- Oct 19, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; 125% of MSRP Retail Value. See Credit Union for limitations and more info
- Oct 30, 20264.25%▼ from 4.64%
- Oct 22, 20264.64%first recorded
As Low As; Vehicle Loans - New Auto
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
As Low As; Vehicle Year: 2025 & Newer
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Motorized Vehicle Loan rates include a 0.50% discount with automatic payment from a PECU checking account; 73-84 month terms available for new and used vehicles within three model years or less
As Low As; 90% of Retail
As Low As; 90% of Retail; 501 - 15,000 Miles
Published APR range: 4.49%-12.50%. Daily Periodic Rate: 0.012% - 0.032%; Managed Credit Program: APR determined by credit worthiness
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; 125% of MSRP Retail Value. See Credit Union for limitations and more info
- Oct 30, 20264.49%▼ from 4.54%
- Oct 22, 20264.54%first recorded
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
As Low As; NEW Auto Loan Rates
Credit Rating: A
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Mileage: Within 3 most recent model years and less than 25,000 miles; APR range 4.64% to 16.24%; Footnote 1: up to 135% of MSRP or NADA Retail, includes tax, tag, warranty; GAP Protection may be added
Mileage: Within 3 most recent model years and less than 25,000 miles; APR range: 4.64% to 16.24%; Up to 135% of MSRP or NADA Retail, includes tax, tag, warranty; GAP Protection may be added; Proof of insurance required with $1,000 deductible
- Oct 23, 20264.64%▲ from 4.39%
- Sep 16, 20264.39%first recorded
As Low As; Vehicle Year: 2025 & Newer
As Low As; As low as 4.74% with member discount; Loan Rates effective Saturday, November 7, 2026
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Variable rate on 72 mos; 72 mos available on loans over $10,000; lowest available rate; rate may be higher depending on credit score; new vehicle up to two years old with fewer than 15,000 miles
Published APR range: 4.75% - 16.25%. Model Years: 2017-2026
Credit Grade: A (850-800)
As Low As; Rates as of 4/2/2026; $100 loan application fee applies
Maximum Term; APR range 4.75% - 18%
- Oct 19, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Models 5 years or newer; 125% financing available; No minimum loan amount; APR range: 4.90% - 13.10%
As Low As; New auto loan; No first payment for 90 days
APR range: 4.90% - 10.90%; 84 months on $30k+; NEW vehicle: 25k miles or less, 3 model years or less
As Low As; Vehicle Year: 2025 & Newer
Rate range: 4.99% - 11.00%; Effective 11/1/2026
- Nov 7, 20264.99%▼ from 5.74%
- Sep 14, 20265.74%first recorded
Credit Grade: B (799-740)
Credit Grade: A (850-800)
As Low As; Rates current as of 11/07/2026
As Low As; 100% of Retail
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; Some restrictions apply. All new auto loans not to exceed MSRP and all used auto loans not to exceed NADA retail.
As Low As; 125% of MSRP Retail Value. See Credit Union for limitations and more info
- Oct 30, 20264.99%▼ from 5.15%
- Oct 22, 20265.15%first recorded
Published APR range: 4.99% - 12.50%. Model Year: 2025-2026
As Low As; Vehicle Loans - New Auto
As Low As; Vehicle Loans - New Auto
As Low As; Vehicle Loans - New Auto
As Low As; Rates as of 4/2/2026; $100 loan application fee applies
Up to 15,000 miles; Credit Score: 850-750
- Nov 8, 20265.00%▼ from 5.50%
- Oct 19, 20265.50%first recorded
Credit Rating: A
New vehicle; Rates valid as of 10/01/2026; Subject to credit approval
As Low As; Vehicle: New Vehicle 2024-2027; Footnote a: 2024 and newer model years with less than 10,000 miles
- Nov 7, 20265.10%▲ from 5.00%
- Oct 12, 20265.00%first recorded
Published APR range: 5.14% to 17.24%. Mileage: Within 3 most recent model years and less than 25,000 miles; Rates vary by member credit, collateral and term selected
- Oct 23, 20265.14%▲ from 4.89%
- Oct 15, 20264.89%first recorded
Mileage: Within 3 most recent model years and less than 25,000 miles; APR range: 5.14% to 17.24%; Up to 135% of MSRP or NADA Retail, includes tax, tag, warranty; GAP Protection may be added; Proof of insurance required with $1,000 deductible
- Oct 23, 20265.14%▲ from 4.89%
- Sep 16, 20264.89%first recorded
As Low As; Rates current as of 11/07/2026
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
Vehicle Loans; As Low As; Vehicle Loans APR as low as 4.99%
As Low As; Rates as low as: Vehicle, Street Bikes, Watercrafts, RVs & Personal/Signature Loans
Loan amount up to $90,000.00; APR range 5.25% - 10.00%
Luxury Only; Effective Date: July 22, 2026; New auto: never titled, less than 15,000 miles, one year old or less; Luxury auto: MSRP of $25,000 or < when vehicle was new; Rates based on Beacon score of 730 or higher
As Low As; Consumer Fixed Rate Loans as of 10/19/2026
Maximum Term; New vehicles only; APR range 5.25% - 18%
- Oct 19, 20265.25%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Published APR range: 5.25% - 12.75%. Model Year: 2025-2026
APR range: 5.25% - 17.50%
- Nov 5, 20265.25%▲ from 5.00%
- Sep 14, 20265.00%first recorded
As Low As; 25,001 miles to 99,999 miles; Up to 135% of Retail
APR range: 5.49% - 17.64%; Minimum Loan Value: No Minimum
- Oct 12, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Grade: B (799-740)
Credit Grade: A (850-800)
As Low As; Rates current as of 11/07/2026
As Low As; 25,001 miles to 99,999 miles; Up to 135% of Retail
Variable rate on 84 mos; 84 mos available on loans over $30,000; lowest available rate; rate may be higher depending on credit score; new vehicle up to two years old with fewer than 15,000 miles
Johnson City Used Auto Auto Loan Rates
As Low As; Amount: up to 120%; Pmt per $1,000: $16.95- $29.40
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; We will finance Loan Value or average retail / trade-in/loan value
As Low As; APR range 5.10% - 16.55%; 2014-2023 models
- Oct 28, 20265.10%▼ from 5.70%
- Oct 12, 20265.70%first recorded
As Low As; APR range 5.240% - 13.140%; Payment example $313.96 - $392.34
- Nov 9, 20265.24%▲ from 4.99%
- Oct 14, 20264.99%first recorded
As Low As; Rates effective: October 19, 2026
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Rates effective: October 19, 2026
As Low As; Model Year: 2016 - 2020; Longer terms are available
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Vehicle: 7 years old or newer
As Low As; Rates effective: October 19, 2026
As Low As; APR/Rates Starting At*; Rates effective: October 19, 2026
As Low As; Vehicle: 8-15 years old
As Low As; Rates effective: October 19, 2026
As Low As; Auto Loans - Used (2020 and Older); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.99%▼ from 7.24%
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.99%▼ from 7.24%
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.99%▼ from 7.24%
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); APR with Direct Deposit or Automatic Payments
- Nov 9, 20266.99%▼ from 7.24%
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); standard APR*
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); standard APR*
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); standard APR*
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Auto Loans - Used (2020 and Older); standard APR*
- Nov 5, 20267.24%▲ from 6.99%
- Oct 14, 20266.99%first recorded
As Low As; Model Year: 2015 - Older; Longer terms are available
Published APR range: 3.25% - 14.75%. Model Years: 2017-2026
Base rate range: 3.50% - 9.50%
Published APR range: 3.75% - 15.25%. Model Years: 2017-2026
As Low As
Base rate range: 4.15% - 10.15%
Published APR range: 4.25% - 15.75%. Model Years: 2017-2026
As Low As; Used auto loan; No first payment for 90 days
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 36 Months
- Oct 26, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; 90% of NADA Retail
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; Vehicle Loans - Used Auto**; Restrictions apply based upon model year
Rates based on Beacon score of 730 or higher
Rates based on Beacon score of 730 or higher
As Low As; Used auto loan; No first payment for 90 days
As Low As; USED Auto Loan Rates
Credit Rating: A
As Low As
As Low As; As low as 4.74% with member discount; Loan Rates effective Saturday, November 7, 2026
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 48 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 60 Months
- Oct 26, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Published APR range: 4.75% - 16.25%. Model Years: 2017-2026
Luxury Only; Rates based on Beacon score of 730 or higher
As Low As; Rates as of 4/2/2026; $100 loan application fee applies
Maximum Term; APR range 4.75% - 18%
- Oct 19, 20264.75%▲ from 4.50%
- Sep 14, 20264.50%first recorded
Base rate range: 4.90% - 10.90%
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Term based on year
As Low As; USED Auto Loan Rates
As Low As; Motorized Vehicle Loan rates include a 0.50% discount with automatic payment from a PECU checking account; 73-84 month terms available for new and used vehicles within three model years or less
As Low As; Up to 25,000 miles; Up to 135% of Retail
As Low As; Some restrictions apply. All new auto loans not to exceed MSRP and all used auto loans not to exceed NADA retail.
As Low As; Rates as of 4/2/2026; $100 loan application fee applies
Credit Rating: A
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
Models 6 to 10 years old; 125% financing available; APR range: 5.15% - 13.25%
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Up to 120% Financing on Approved Credit; Term (up to) 72 Months
As Low As; Used auto loan; No first payment for 90 days
Maximum Term; APR range 5.25% - 18%
- Oct 19, 20265.25%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Base rate range: 5.25% - 11.25%
Base rate range: 5.25% - 11.25%
APR range: 5.25% - 17.50%
- Nov 5, 20265.25%▲ from 5.00%
- Sep 14, 20265.00%first recorded
Vehicle Loans; APR as low as 4.99% on Vehicle Loans page; rates effective as of 08/20/2026
- Nov 9, 20265.30%▲ from 5.05%
- Oct 10, 20265.05%first recorded
As Low As; Vehicle: Used Vehicle 2020-2027; Footnote b: 2024 and newer model years with 10,000 miles or more, or 2020-2023 model years
- Nov 7, 20265.35%▲ from 5.25%
- Oct 12, 20265.25%first recorded
As Low As; 25,001 miles to 99,999 miles; Up to 135% of Retail
As Low As; As low as 5.49% with member discount; Loan Rates effective Saturday, November 7, 2026
Credit Tier A (850-800); Rates shown are APR
As Low As; 25,001 miles to 99,999 miles; Up to 135% of Retail
Johnson City, TN Auto Loan Rate Trends
Compare local Johnson City, TN 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.
Tennessee new auto rates rose 0.034 points over the past 7 days to 5.136% APR.
Tennessee used auto rates rose 0.054 points over the past 7 days to 6.009% APR.
Johnson City, TN Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Tennessee figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Tennessee APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.14% APR TN average | Used Auto @ 6.01% APR TN average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.00/mo | $290.05/mo | $6.05/mo |
| $25,000 | $473.33/mo | $483.42/mo | $10.09/mo |
| $35,000 | $662.67/mo | $676.79/mo | $14.12/mo |
| $45,000 | $852.00/mo | $870.16/mo | $18.16/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Johnson City, Tennessee
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Johnson City, Tennessee locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Tennessee. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Johnson City, Tennessee high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Johnson City, Tennessee CD rates lock in a guaranteed return until you’re ready to buy
Tennessee Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $568 monthly car payment works out to roughly 16.1% of the median individual income in Tennessee. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Johnson City, Tennessee, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Johnson City, Tennessee. We’ve prefilled the APR with today’s TN new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Johnson City, Tennessee auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Johnson City, Tennessee directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Johnson City, Tennessee. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TN.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Johnson City, Tennessee
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Johnson City, Tennessee
What are auto loan rates in Johnson City, Tennessee today?
How does my credit score affect my car loan rate in Johnson City, Tennessee?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Johnson City, Tennessee?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Johnson City, Tennessee?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Johnson City, Tennessee?
- United Southeast Federal Credit Union: 3.75% (New Auto ('27 or Newer))
- Northeast Community Credit Union: 4.49% (New or Used Cars and Trucks (2025-2026) - Vehicle Loan)
- Beacon Financial Credit Union: 4.75% (New Autos)
- Eastman Credit Union: 4.99% (Auto Loan - New Auto)
- Select Seven Federal Credit Union: 5.10% (Used Car/Truck/Van Loan)
Johnson City, Tennessee Rates & Resources
