Bad Credit Car Loans | October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Current auto loan rates nationwide start at 1.99% APR based on offers verified by MonitorBankRates as of Sep 25, 2026. Top best auto loan rates rates currently available include: Otero Federal Credit Union's Repossessed Vehicles Loan at 1.99% APR, Boulevard Federal Credit Union's New Car Loans at 1.99% APR, Materion Federal Credit Union's Vehicle Loan at 1.99% APR, Materion Federal Credit Union's Vehicle Loan at 1.99% APR, and Local 1233 Federal Credit Union's Auto Loan at 1.99% APR. Rates as of Sep 25, 2026 per MonitorBankRates.
You can get a car loan with bad credit, but your credit score moves the APR more than anything else. Subprime borrowers paid an average of 19.10% on used car loans in the second quarter of 2026, compared with 8.81% for prime borrowers, according to Experian. On a $25,000 used car that gap is thousands of dollars.
Start with credit unions. Federal credit unions cannot charge more than 18% APR on most loans, and a preapproval in hand gives you a rate to beat before a dealer quotes you financing. Use the table to compare auto loan rates from banks and credit unions near you.
We display transparent financial health metrics, including A to F Safety Grades, Star Ratings, and Texas Ratios, so you can choose a stable, highly rated institution for your car loan.
Auto loan rates reflect verified offers from lenders actively lending to US borrowers. Last Updated: Sep 25, 2026
Compare Auto Loan Rates
As Low As
Rates as low as 1.99% APR*; Flexible terms; Fast and hassle-free approval process; No pre-payment penalty; Automatically schedule your monthly payments; Terms for models 2024-2026
Finance up to 125% of purchase price or collateral value, including tax & title. Monthly installments of $368.25 based on $20,000.00 loan amount over 60 months, 3.99%, 100% LTV. Fixed rate. No prepayment penalty. No Application Fee.*
Finance up to 125% of purchase price or collateral value, including tax & title. Monthly installments of $372.78 based on $20,000.00 loan amount over 60 months, 4.49% 100% LTV. Fixed rate. No prepayment penalty. No Application Fee.*
Credit Score: 700-749
- Sep 29, 20261.99%▼ from 2.50%
- Sep 17, 20262.50%first recorded
As low as
Published rate range: 1.99% to 8.75%.
- Oct 1, 20261.99%▼ from 8.75%
- Sep 18, 20268.75%▲ from 1.99%
- Sep 14, 20261.99%first recorded
For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval.
Term: 60 Months - As Low As; As Low As; Fixed
Tier A+; Loan Amount: Not Specified
Term: 100% Financing on New & 80% Financing on Used
No additional details provided.
20 - 21
Term: 72 Months - As Low As; As Low As; Fixed
Additional APR listed for this product: 2.99%. As Low As
Fixed (as low as)
As low as 2.50% APR; Rates of 2.50% to 14.90% APR available depending on term. Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing.
Credit Grade: A++ (750+)
Credit Score: 700-749
- Sep 29, 20262.50%▲ from 1.99%
- Sep 17, 20261.99%first recorded
No additional details provided.
Model Year: 2026/2025/2024
Published APR range: 2.50-13.25%.
New Vehicle (2019 - 2022)
- Sep 22, 20262.69%▼ from 5.39%
- Sep 14, 20265.39%first recorded
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Minimum balance applies to 84 Months term.
As Low As; 1.50% length of Membership Incentive Interest Rate Discount
As Low As; *2.95%
Credit Score: A+ (800+)
As Low As:
Credit Score: A+ (800+)
No additional details provided.
Published APR range: 2.99% - 18%.
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
No additional details provided.
No additional details provided.
As low as; 2023 & newer; with less than 45,000 miles and valued at $15,000 or more
Credit Score: 650-699
- Sep 29, 20262.99%▼ from 3.50%
- Sep 17, 20263.50%first recorded
Modal Year: 2025 & newer; As low as
Modal Year: 2020-2025; As low as
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
As Low As; With qualifying credit and direct deposit with automatic payment.
As Low As
As Low As
No additional details provided.
No additional details provided.
No additional details provided.
As Low As; Model Year 2025-2027; Up to $65,000
UP to 70% LTV
As Low As; *
New Vehicle (Cost over $15,000)
- Sep 22, 20262.99%▼ from 5.49%
- Sep 14, 20265.49%first recorded
No additional details provided.
Rates below are based on a minimum credit score of 700. Please contact our lending team or visit your nearest Texoma Educators branch for more information. Rates are subject to change without notice.
Collateral Value: 100% LTV
Rates are effective as of January 1, 2026, and are subject to change. Loan approval and processing is based on standard loan underwriting guidelines. Not all applicants will qualify for the lowest rate. Program fees, rates and features are subject to change. Annual Percentage Rates are based on the applicant's credit and our underwriting standards, which may include discounts for additional credit union services. APRs are subject to change based on Prime with a minimum rate of 3.00% and maximum of 18%.
Refinance Options Available
No additional details provided.
Published APR range: 3.00% to 7.50%. All Motorcycles are 1.00% higher than the auto rates above.
Amount Down: 50%; Model Year: 2026/2025 New
As Low As; Vehicle must be New, no miles and cost more than $25,001.00
As Low As; Vehicle must be New, no miles and cost more than $25,001.00
As Low As; Vehicle must be New, no miles and cost more than $25,001.00
As low as; 2026-2025
No additional details provided.
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
Credit Score: A 700 & Up
No additional details provided.
Minimum balance applies to 84 Months term.
Rates as low as 3.00% APR on qualifying 2025-2026 vehicle loans.
No additional details provided.
New Vehicle (Cost over $25,000)
- Sep 22, 20263.09%▼ from 6.29%
- Sep 14, 20266.29%first recorded
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Published APR range: 3.15% - 9.15%. 72 months on $20k+ - $84 months on $30k+
Credit Grade: A+
- Sep 25, 20263.22%▼ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
No additional details provided.
No additional details provided.
As Low As; Minimum Financing of $10,000 for 60 Months
- Sep 25, 20263.24%▼ from 3.74%
- Sep 12, 20263.74%first recorded
No additional details provided.
No additional details provided.
No additional details provided.
Published APR range: 3.24 - 13.99%. Model Year: 2025 and newer
Published APR range: 3.24% - 14.49%.
Model Year: 2023 - Newer
- Sep 22, 20263.24%▼ from 3.99%
- Sep 14, 20263.99%first recorded
Model/Year: 2019-2026
Published APR range: 3.25% - 21.95%. As low as
Published APR range: 3.25% - 8.00%. APR*
Published APR range: 3.25% -8.25%. APR*
Collateral Value: 100% LTV
Published APR range: 3.25% - 14.75%. Model Year: 2017-2026
Finance up to 125% MSRP (new vehicles) or NADA (used vehicles)2. No prepayment penalties. Refinance existing Auto Loans for cash out or lower payments. Take a pre-approved loan to the dealer when you shop. Keys FCU is an ITIN-approved lender!
Published APR range: 3.25% to 6.25%. All Motorcycles are 1.00% higher than the auto rates above.
Amount Down: 25%-49%; Model Year: 2026/2025 New
- Sep 17, 20263.25%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Amount Down: 25%-49%; Model Year: 2026/2025 New
No additional details provided.
Maximum Loan $55,000.00
As low as; 2026-2025
As low as; New Vehicles
No additional details provided.
No additional details provided.
As low as; New Vehicle
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
No additional details provided.
Minimum balance applies to 84 Months term.
No additional details provided.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.25%-13.00%. 100% Financing
Rates shown are the lowest available from Instep Credit Union for the product and term listed. APR = Annual Percentage Rate. Terms avaiable up to 72 months; other rates and terms are also available. Rates are current as of the date published, are subject to change without notice, and are based on credit worthiness. Not all applicants will qualify, and your rate may differ. Rates shown include a 1.00% APR discount for members with an active direct deposit and a 0.25& APR discount for a 48-month loan term. Terms and conditions apply. Example payment: A $20,000 auto loan finaced for 48 months at 3.25% APR would have an estimated monthly payment of $444.93. No payments up to 60 days are available on qualifying loans. Interest will continue to accruse during the no-payment period. See the credit union for complete details. Federally insured by NCUA.
Term: Ranges between 36 months and 72 months depending on the age of the vehicle.; Published APR range: 3.251% - 16.001%. Application fee: $20.00; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. You can borrow up to $40K for a new car or $35K for a used car. Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and demonstrate the capacity to repay the loan
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
No additional details provided.
As Low As; *
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Model Year: 2025-2026; As low as; Rate: 3.32%
Rates Effective September 18, 2026.
Published APR range: 3.35% - 18.00%.
Published APR range: 3.35% - 18.00%.
As Low As
Published APR range: 3.39% - 12.95%. APR*
No additional details provided.
No additional details provided.
No additional details provided.
Credit Grade: A
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A+
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%first recorded
Published APR range: 3.47% to 18.00%. Fixed
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
As Low As; *
As Low As; Vehicles 2025 or newer, up to72 month term - new cars only.
Special!
Special!
Special!
Special!
As Low As; See Auto Loan Rates for details.
Published APR range: 3.49% - 18.00%.
Published APR range: 3.49% - 18.00%.
As Low As; Minimum Financing of $15,000 for 72 Months
- Sep 25, 20263.49%▼ from 4.24%
- Sep 17, 20264.24%▲ from 3.49%
- Sep 12, 20263.49%first recorded
Model Year: 2026 - 2024
No additional details provided.
As Low As
As Low As
As Low As
As Low As; 2026-2025
As Low As; 2026-2025
As Low As; Standard preferred rate with a minimum 750 FICO and a 36-month term on a New Vehicle Loan. Excludes existing LLFCU auto loans. Subject to credit approval and membership eligibility. Some restrictions may apply. The rate quoted is the standard preferred rate plus 0.50% rate discount with direct deposit and 0.50% rate discount with automatic payment established, and 0.50% rate discount for direct SEG employers (see credit union for employer lists). Other terms and conditions may apply see Credit Union for details.
Published APR range: 3.49% to 18.00%. Est. Payment/$1,000 Borrowed: $29.30 to $36.15 based on a 36mo term
2023 & newer; As low as 3.49%
- Sep 25, 20263.49%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Term: 1-72 month finance period; Same year or following year & never before titled
Same year or following year & never before titled
No additional details provided.
No additional details provided.
Term: Up to 84 Months to payback; As low as; Financing: 100%; Subject to approval based on credit score. All interest rates are subject to change.
Published rate range: 3.49% - 11.99%**.
As Low As
Published APR range: 3.49% - 17.99%.
Using 10,000 Loyalty Points
- Sep 22, 20263.49%▼ from 3.99%
- Sep 14, 20263.99%first recorded
Using 10,000 Loyalty Points
- Sep 22, 20263.49%▼ from 3.99%
- Sep 14, 20263.99%first recorded
As Low As
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
No additional details provided.
Consumer Loan Rates. As low as.
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
As Low As; *
- Sep 27, 20263.49%▲ from 3.24%
- Sep 18, 20263.24%first recorded
Rates as low as*
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
As low as; New cars are financed for a term up to 72 months. Used cars may be financed from 24 to 60 months depending on the year of the car.
As Low As; *
No additional details provided.
Rate listed is for a 36-month term. For longer term rates contact Credit Union.
Published APR range: 3.490% - 8.990%. Zero Down Payment
Published APR range: 3.490% - 9.240%. Zero Down Payment
As Low As; No payments for 90 days; interest accrues from loan disbursement date. Not valid for RVs or boats.
Published APR range: 3.50% - 9.00%. APR*
Published APR range: 3.50% - 9.00%. APR*
Published APR range: 3.50% - 9.00%.
Published APR range: 3.50% - 9.00%. APR*
Loan Amount: 100% Financing
Collateral Value: 100% LTV
Published APR range: 3.50% to 13.50%. Amount Financed: 100% NADA Retail Value
Published APR range: 3.50% to 5.50%. All Motorcycles are 1.00% higher than the auto rates above.
Amount Down: 25%-49%; Model Year: 2026/2025 New
Amount Down: 0%-24%; Model Year: 2026/2025 New
- Sep 17, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Amount Down: 0%-24%; Model Year: 2026/2025 New
No additional details provided.
As Low As; Vehicle must be New, no miles and cost more than $25,001.00
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Credit Grade: A+ (720-749)
Credit Grade: A++ (750+)
As Low As
As low as
As Low As
As Low As
As Low As
As Low As
Credit Score: 650-699
- Sep 29, 20263.50%▲ from 2.99%
- Sep 17, 20262.99%first recorded
No additional details provided.
As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
The loan rates shown are our premium rates based on Welcome Federal Credit Union's risk-based pricing program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to change without notice.
As low as; Premium rate based on Welcome Federal Credit Union's risk-based pricing program. Your rate may vary and is determined by your credit score, amount financed, collateral, and loan terms. Other rates and terms are available. All rates and terms are subject to change without notice.
As Low As
APR as low as
APR as low as
APR as low as
APR as low as
APR as low as
Credit Scores: 800-850; Percent Financed: 100%
Year: 2026-2027
Credit Score: A 700 & Up
Credit Score: B 625-699
- Sep 18, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
No additional details provided.
Credit Score: A 700-above
Tier A+; Loan Amount: Not Specified
No additional details provided.
No additional details provided.
No additional details provided.
20% Down
No additional details provided.
No additional details provided.
Additional 0.25% discount may be available for new electric/hybrid vehicles. Rate determination is based on credit history, loan type, collateral age and term selected. Featured rate is applicable to excellent FICO, 740 and above. Other rates and terms available. Payment examples: Borrow $30,000 for a term of 2 years or 24 months at 3.5%, pay $43.20 monthly per $1,000 borrowed. Borrow $30,000 for a term of 3 years or 36 months at 3.5%, pay $29.30 monthly per $1,000 borrowed. Borrow $30,000 for a term of 4 years or 48 months at 4.5%, pay $22.80 monthly per $1,000 borrowed. Borrow $30,000 for a term of 5 years or 60 months at 4.75%, pay $18.76 monthly per $1,000 borrowed. Borrow $30,000 for a term of 6 years or 72 months at 4.99%, pay $16.10 monthly per $1,000 borrowed. Borrow $30,000 for a term of 7 years or 84 months at 5.125%, pay $14.19 monthly per $1,000 borrowed.
As low as
Published APR range: 3.50-9.25%. Auto Year: 2026+ New & Used; Loan to Value: 100% NADA Retail/MSRP
No additional details provided.
Minimum balance applies to 84 Months term.
No additional details provided.
No additional details provided.
Published APR range: 3.50% - 9.50%. * Never been titled or 30 days after financing with a dealership
No additional details provided.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
Published APR range: 3.50% - 10.50%. Tesla financing requires 20% equity; 100% MSRP for most based on credit worthiness.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.50% - 13.75%.
No additional details provided.
No additional details provided.
Published APR range: 3.50%-14.00%.
Published APR range: 3.50%-14.00%. NADA Retail Value Maximum
As Low as
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
Rate reflects .25% discount for relationship pricing.
Rate reflects .25% discount for relationship pricing.
As Low As; 2025 & Newer
No additional details provided.
No additional details provided.
No additional details provided.
As low as
with Direct Deposit & Autopay**
- Sep 22, 20263.73%▼ from 5.23%
- Sep 18, 20265.23%▼ from 6.96%
- Sep 14, 20266.96%first recorded
with Direct Deposit & Autopay**
- Sep 22, 20263.73%▼ from 5.48%
- Sep 18, 20265.48%first recorded
As low as; Maximum: $150,000
Published APR range: 3.74% - 18.00%.
No additional details provided.
***
As low as 3.74%; will finance 100%
Qualifications Required: Pioneer checking + direct deposit; As low as 3.74% APR with Pioneer checking + direct deposit. Loans are subject to credit approval.
Model Year: 2025 - 2026
No additional details provided.
Minimum Financing of $10,000 for 60 Months; As low as
- Sep 25, 20263.74%▲ from 3.24%
- Sep 12, 20263.24%first recorded
No additional details provided.
Published APR range: 3.74 - 15.49%.
As Low As; 2025-2023
Published APR range: 3.74% to 18.00%. Est. Payment/$1,000 Borrowed: $29.41 to $36.15 based on a 36mo term
No additional details provided.
as low as; New Vehicle *5 (a new vehicle is less than 2 years old and less than 30,000 miles); Your rate will be determined using a combination of credit scores provided through Equifax, Inc.
Published APR range: 3.74 - 15.99%. Model Year: 2019-2024
Model Year: NEW
As Low As; Rates based on term selected. Collateral: 2025 or newer; Mileage: 10,000 or less
As low as
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As low as
- Sep 29, 20263.74%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Cars & Trucks; Military; First Responder; Graduate & First-time Discounts
As low as; Rates are effective as of today and subject to change. Your actual APR* may vary based on creditworthiness, loan amount, loan term, collateral, and other underwriting factors. Membership and eligibility requirements apply. A 0.25% rate discount is included in the rates shown for members who enroll in AutoPay with direct deposit from a PDCU checking or savings account.
As Low As; *APR is the Annual Percentage Rate.
Vehicle Year: 2023 and Newer**; ALL RATES SUBJECT TO CREDIT APPROVAL; The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information; Existing CCNCU loans are excluded from this rate
Using 10,000 Loyalty Points
- Sep 22, 20263.74%▼ from 4.24%
- Sep 14, 20264.24%first recorded
Using 10,000 Loyalty Points
- Sep 22, 20263.74%▼ from 4.24%
- Sep 14, 20264.24%first recorded
Model Year: 2023 - Newer
- Sep 22, 20263.74%▼ from 4.49%
- Sep 14, 20264.49%first recorded
No additional details provided.
As Low as
- Sep 22, 20263.74%▼ from 5.74%
- Sep 18, 20265.74%▲ from 3.74%
- Sep 14, 20263.74%first recorded
APR as low as
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As
The rate includes a 0.25% discount for new and used vehicles financed with a loan-to-value (LTV) ratio of 80% or less, an additional 0.25% discount for vehicles with an extended warranty purchase through MPSCU and a discount of 0.25% for setting up automatic ACH payments.
Certain terms, conditions, and or discounts apply to rates listed. Rates current as of 07/01/2026 and are subject to change based on market conditions and borrower eligibility. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. For auto the minimum approved loan amount is $500.00. The rates listed above include all applicable discounts. CRCU Membership required. Contact us for details. Offer subject to change or cancellation without notice. Minimum finance amount is $15,000. Minimum finance amount is $45,000. Minimum finance amount is $30,000. Minimum finance amount is $50,000. Minimum finance amount is $45,000. Must be 2024 model year or newer.
As Low As; 90 Days No Payment; Payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.
Fewer than 7,500 miles
Fewer than 100,000 miles
Additional APR listed for this product: 3.99%, 5.49%. Term: Model Years 2022-2026
Model/Year: 2020-2026
No additional details provided.
Published APR range: 3.75% - 9.75%. APR*
Published APR range: 3.75% - 9.50%. APR*
Published APR range: 3.75% - 9.50%.
Published APR range: 3.75% - 9.50%. APR*
No additional details provided.
As Low As
Collateral Value: 100% LTV
Collateral Value: 100% LTV
No additional details provided.
Published APR range: 3.75% - 15.25%. Model Year: 2017-2026
As Low As
As Low As
Credit Score: 740 and UP; Credit Grade: A+
As Low As
As Low As
As Low As; Model: 2026-2023; Actual rate is determined by credit score
Published APR range: 3.75-16.15%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
Published APR range: 3.75% to 5.25%. All Motorcycles are 1.00% higher than the auto rates above.
Amount Down: 25%-49%; Model Year: 2026/2025 New
- Sep 17, 20263.75%▼ from 4.00%
- Sep 14, 20264.00%first recorded
Amount Down: 0%-24%; Model Year: 2026/2025 New
No additional details provided.
Terms for models 2024-2026
As low as rate is on approved credit. Terms may apply.
As Low As
Additional APR listed for this product: 7.99%. Credit Grade: A
- Sep 18, 20263.75%▼ from 9.74%
- Sep 17, 20269.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Additional APR listed for this product: 9.75%.
As Low As; Vehicle must be New, no miles and cost more than $25,001.00
2023 & newer; As low as 3.75%
- Sep 25, 20263.75%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Displayed rates reflect a 0.25% discount with automatic transfer from your Nova UA checking account. If you choose not to set up automatic transfer, your rate will be 0.25% higher.
Displayed rates reflect a 0.25% discount with automatic transfer from your Nova UA checking account. If you choose not to set up automatic transfer, your rate will be 0.25% higher.
No additional details provided.
As Low As; New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
New car rates apply to 2025 and 2026 vehicles with 15,000 miles or less.
Used Car Rates 2022-2026; As Low As
Used Car Rates 2022-2026
Used Car Rates 2022-2026
As low as; New Vehicle
Credit Grade: A (650-719)
Minimum loan amount $40k; New Auto Purchase/Refinance
Published rate range: 3.75%-12.80%.
Published rate range: 3.75%-12.75%.
As Low As; Your interest rate will be based on your credit score. A used vehicle can be financed up to 72 Months and a new vehicle can be financed up to 84 Months.
Published APR range: 3.75%-11.70%.
No additional details provided.
Term: Up to 36 months (2021- 2026)
Additional APR listed for this product: 4.0%, 5.0%. Credit Score: 760+; Credit Tier: A+
No additional details provided.
No additional details provided.
APR as low as
APR as low as
Additional APR listed for this product: 4.00%, 7.45%. As Low As
Year: 2026-2027
Tier A; Loan Amount: Not Specified
Tier A+; Loan Amount: Not Specified
Vehicle purchases only and NADA value must support sales price. Maximum term is 3 years.
Model Years 2024-2026; As Low As, For Well Qualified Borrowers
Published APR range: 3.75% - 7.00%.
APR*
APR*
APR*
APR*
No additional details provided.
*$50,000 minimum required for 84 month term
Minimum balance applies to 84 Months term.
Credit Grade: A
Published APR range: 3.75% to 16.45%*.
Published APR range: 3.75% to 16.95%*.
Published APR range: 3.75% to 17.20%*.
As low as
Rate as low as 3.75% APR available on 48-month auto loans for qualified borrowers. Advertised rate includes 1.00% discount for members with an active MAX checking account open for at least three (3) months and 0.25% discount for qualifying loan-to-value (LTV) rates. Other rates and terms available. Subject to credit approval.
No additional details provided.
No additional details provided.
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Published APR range: 3.75%-15.00%.
Published APR range: 3.75%-15.00%.
As low as 3.75% with Relationship Rewards. Example Payment Disclosure: To finance an auto loan of $15,000 at 4.75% APR for 36 months with $0.00 down payment would be a payment of $447.88 per month
Model Year: 2024 & Older**; As low as; Rate: 3.77%
Credit Rating: S (775+); LTV: 125% LTV with GAP; GPS: May Use
Credit Rating: S (775+); LTV: 125% LTV with GAP
As Low As
As low as; *
As Low as
As low as; Limited time offer.
As low as
No additional details provided.
Rates may vary based on credit worthiness. Payment: $29.43 per thousand borrowed.
As Low As; *
Published APR range: 3.79% to 18.00%.
Term: Up to 36 months - 84 months; Published APR range: 3.79% - 15.54%.
As Low As; depending on loan amount
As Low As; *
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Model Year: 2025-2026; As low as; Rate: 3.82%
As low as; Applies to refinances, used, and new; Payment flexibility: 60 days with no payments
Rates Effective September 18, 2026.
New Vehicle; Rates shown include 0.90% APR loan rate discount for automatic payment. Loan rate discount of 0.90% APR is valid for new loans only with automatic payment from a WPCCU account. Only one discount per loan allowed. Discount may end at any time.
As Low As; The "as low as" rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount.
No additional details provided.
No additional details provided.
No additional details provided.
Great Rates on New Auto Loans!
As Low As; Vehicles with 7,500 or more miles are not eligible for loan terms greater than 84 months and may incur rates that differ from vehicles with fewer than 7,500 miles.
As Low As
As Low As; Advertised "as low as" annual percentage rates (APR) assume excellent borrower credit history. Your actual APR may differ and will be based upon several factors, including credit history, loan type, model year, mileage, term, and loan amount. Rates subject to change.
As Low As; Payment example: New auto loan of $20,000 for 36 months at 3.89% APR will have a monthly payment of $591.
No additional details provided.
Published APR range: 3.89% - 12.95%. APR*
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
As Low as
As low as
Purchase transaction only. Other conditions may apply.
Purchase transactions only. Other conditions may apply.
Published APR range: 3.90% to 16.00%. 125% financing for new purchases
No additional details provided.
No additional details provided.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
As Low As; For a limited time only. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
As Low As; Financing up to 84 months available for qualifying vehicles. Actual rates may vary based on creditworthiness and other factors.
As Low As; Financing up to 84 months available for qualifying vehicles. Actual rates may vary based on creditworthiness and other factors.
Up to retail value
20% Down
NADA Trade-in Value
Published APR range: 3.90% - 9.90%. 72 months on $20k+ - $84 months on $30k+
Published APR range: 3.90% - 9.90%. 72 months on $20k+ - $84 months on $30k+
Limited funds available
Rate includes auto-pay discount of .25%
- Oct 1, 20263.90%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Rate includes auto-pay discount of .25%
- Oct 1, 20263.90%▲ from 3.70%
- Sep 14, 20263.70%first recorded
No additional details provided.
As Low As APR*; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
As low as; *
As low as; *
Published APR range: 3.94% - 14.00%. 100% Financing**
100% Financing
100% Financing
100% Financing
Term: 72 Months / $20,000.00 Minimum; Published APR range: 3.95% - 18.00%.
No additional details provided.
3.95%
Credit Score: A+ (800+)
Credit Score: A (720-799)
As Low As:
Credit Score: A (720-799)
Credit Score: A+ (800+)
- Sep 18, 20263.95%▼ from 10.95%
- Sep 14, 202610.95%first recorded
Max term of 96 months
As Low As; Starting at 3.95%
Model Year: 2023 and Newer; As Low As
- Sep 18, 20263.95%▼ from 6.25%
- Sep 14, 20266.25%first recorded
Model Year: 2023 and Newer; As Low As
- Sep 18, 20263.95%▼ from 5.95%
- Sep 14, 20265.95%first recorded
Model Year: 2023 and Newer; As Low As
Model Year: 2023 and Newer; As Low As
Published APR range: 3.95% - 15.25%. Rate Type: Fixed
No additional details provided.
Credit Grade: B
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A+
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
with Direct Deposit & Autopay**
No additional details provided.
APR* - 2025 and Newer
As low as; Maximum: $150,000
As low as; Maximum: $75,000
No additional details provided.
18 - 19
As Low As;*
Term: 48 months - 84 months; New & Used 2027-2025 Vehicles; Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan.
As Low As*
As Low As; 0.25% loan discount included with direct deposit and automatic payment enrollment; Financing available for members residing overseas; No first payment for 90 days
As Low As
No additional details provided.
90% Financing
As Low As; 90 Anniversary rate; 2025 and 2026 model years
Amount: 90% Financing
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
As Low As; The APRs shown include a 0.50% discount for automatic payments. All Loans are subject to approval, actual APR is subject to change and is based on borrower's creditworthiness, terms of loan, and collateral. Used Vehicles (2023 & Older) may not qualify for the lowest APR. Must be eligible for membership and maintain at least $5.00 in a Membership Savings account.
No additional details provided.
No additional details provided.
No additional details provided.
As Low As;; Model Year: 2023 - 2027
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
Published APR range: 3.99% to 12.50%.
As Low As; New or used vehicle
Annual Percentage Rate. Competitive Fixed Rates. Financing up to 125% of the NADA value or purchase price, whichever is less, PLUS tax, title, registration and warranty for model years 2021-2027. Never owned or previously titled. For terms 72 months or greater, the minimum loan amount of $20,000. APR offered is subject to change and all loans are subject to approval. 0.25% APR discount is available for automatic loan payments and automatic payment discounts are reflected in the rates above. A 0.5% APR discount is available on auto loans for hybrid cars. Actual rate may vary. Monthly payment amount shown is calculated per $1,000 and is based on a 30 day month.
No additional details provided.
Auto Loan Rate Trends
Daily average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions, updated daily.
New Auto Loan rates rose 0.038 points over the past 7 days to 5.967% APR, up from 5.929% last week.
Used Auto Loan rates rose 0.028 points over the past 7 days to 6.779% APR, up from 6.751% last week.
Car Loan Rates by Credit Score
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.
What Bad Credit Costs on a Car Loan
The same $25,000 used car costs very different amounts depending on your credit tier and loan term. A longer term lowers the payment but adds interest on top of an already high APR.
| Credit Tier | Used Car APR | 60 Mo. Payment | 60 Mo. Interest | 72 Mo. Payment | 72 Mo. Interest |
|---|---|---|---|---|---|
| Super prime | 6.29% | $487 | $4,202 | $418 | $5,078 |
| Prime | 8.81% | $517 | $5,999 | $448 | $7,276 |
| Near prime | 13.93% | $581 | $9,848 | $514 | $12,023 |
| Subprime | 19.10% | $650 | $13,993 | $586 | $17,181 |
| Deep subprime | 21.62% | $685 | $16,105 | $623 | $19,822 |
Average used car APRs from Experian, State of the Automotive Finance Market, Q2 2026. Principal and interest only, before taxes, fees, and add ons.
Bad Credit Car Financing Options Compared
| Where You Borrow | Typical Cost | Approval With Bad Credit | Watch For |
|---|---|---|---|
| Credit union | Lowest for most bad credit borrowers, 18% cap at federal credit unions | Good, especially for members | Membership requirements |
| Bank | Moderate to high | Harder below 600 | Minimum score cutoffs |
| Dealer financing | Lender rate plus any dealer markup | Good, dealers work with many lenders | Rate markups and add ons rolled into the loan |
| Cosigned loan | Based on the cosigner's credit | Depends on the cosigner | The cosigner owes the loan if you do not pay |
| Buy here pay here lot | Often the highest rates allowed by state law | Almost anyone | Older cars, tracking devices, and payments that may not be reported |
General comparison for educational purposes. Terms and eligibility vary by lender and state.
Before You Sign a Bad Credit Car Loan
Negotiate the Price, Not the Payment
A dealer can hit any monthly payment by stretching the term. Agree on the out the door price first, then talk financing.
Read the Add Ons
Extended warranties, GAP coverage, and service plans are often rolled into the loan and charged interest. Each one is optional, and GAP is usually cheaper from your insurer or credit union.
Check for Prepayment Penalties
You want the freedom to pay the loan off early or refinance. Ask whether the contract charges a fee to do either.
Plan to Refinance
After six to twelve months of on time payments your score may move up a tier. Refinancing then can cut the APR for the rest of the loan.
Bad Credit Car Loans: Common Questions
Can I get an auto loan with bad credit?
What is the average car loan rate for bad credit?
What credit score do I need to buy a car?
How much should I put down on a car with bad credit?
Should I use a buy here pay here dealer?
Can I refinance a bad credit car loan later?
Will shopping for a car loan hurt my credit?
Lowest Auto Loan Rates Today
- Otero Federal Credit Union: 1.99% APR (Repossessed Vehicles Loan)
- Boulevard Federal Credit Union: 1.99% APR (New Car Loans)
- Materion Federal Credit Union: 1.99% APR (Vehicle Loan)
- Materion Federal Credit Union: 1.99% APR (Vehicle Loan)
- Local 1233 Federal Credit Union: 1.99% APR (Auto Loan)
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