Best Used Auto Loan Rates — March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has engineered proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial DisclosureRates are actual, verified rates sourced from institution websites. Your final approved rate will depend on your credit profile and loan term.
Top best used auto loan rates rates currently available include: Enbright Credit Union's Used Auto Model Years 2014 - 2017 at 1.99% APR, Enbright Credit Union's Used Auto Model Years 2018 - 2020 at 1.99% APR, Boulevard Federal Credit Union's New and Used Auto Loan 24 Months at 1.99% APR, Mclennan County Employees Federal Credit Union's Used Vehicles - 2016-2017 at 2.00% APR, and Mclennan County Employees Federal Credit Union's Used Vehicles - 2018-2020 at 2.00% APR. Rates as of Mar 23, 2026 per MonitorBankRates.
Used auto loan rates vary more than new car rates, making comparison shopping especially valuable. Credit unions and online banks frequently offer the most competitive used vehicle financing — often significantly lower than dealership financing.
We display transparent financial health metrics — A–F Safety Grades, Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution for your vehicle loan.
Auto loan rates reflect verified offers from lenders actively lending to US borrowers. Last Updated: Mar 23, 2026
Compare Used Auto Loan Rates Nationwide
Source: Verified Auto Loan Rate Data by MonitorBankRates
Institution
Product
APR
Term
Profile
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
1.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
1.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Boulevard Federal Credit Union
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 24 Months
1.99%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 25, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
2.25%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 23, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.25%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 23, 2026
Details
As Low As; up to 48 months
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.45%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 23, 2026
Details
As Low As; up to 60 months
Richmond Heritage Federal Credit Union
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.49%
36 months
▼
Interest Rate0.00%
Term36 months
UpdatedMar 24, 2026
Details
No additional details provided.
Bakersfield City Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.81%
2817 16th St, Bakersfield, CA, 93301 3210
Used Vehicle Loan
2.49%
48 mo
▼
Interest Rate2.49%
Term48 mo
UpdatedMar 25, 2026
Details
As Low As; Based On Credit Score
TONGASS
A+5.0 ★ Texas Ratio: 0.00%
2000 Tongass Ave, Ketchikan, AK, 99901 6046
New & Used Auto Loans
2.50%
24-84
▼
Interest Rate0.00%
Term24-84
UpdatedMar 22, 2026
Details
No additional details provided.
Ohio County Public Schools Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
280 FULTON ST, WHEELING, WV, 26003
Used Vehicle - Model Year Already Titled - 1999
2.50%
36, 48, 60, months available
▼
Interest Rate0.00%
Term36, 48, 60, months available
UpdatedMar 24, 2026
Details
No additional details provided.
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
2.75%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMar 23, 2026
Details
As Low As; up to 72 months
CTA 74th Street Depot Federal Credit Union
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
2.75%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 24, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Rio Grande Federal Credit Union
A+5.0 ★ Texas Ratio: 0.09%
760 Rood Ave, Grand Junction, CO, 81501 3408
Used Auto Loans
2.89%
75 Months
▼
Interest Rate0.00%
Term75 Months
UpdatedMar 21, 2026
Details
As Low As; 72 month term rates begin at 2.99%
Internal Revenue Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.03%
4905 Koger Blvd, Greensboro, NC, 27407
Used Car
2.90%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 24, 2026
Details
No additional details provided.
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
2.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 23, 2026
Details
As Low As; for 36 months or less
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
2.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 23, 2026
Details
As Low As; up to 60 months
Richmond Heritage Federal Credit Union
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
2.99%
48 months
▼
Interest Rate0.00%
Term48 months
UpdatedMar 24, 2026
Details
No additional details provided.
Central Virginia Federal Credit Union
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
2.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
As Low As; Modal Year: 2020-2025
Lubrizol Employees Credit Union
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 20, 2026
Details
No additional details provided.
Members Choice Credit Union
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
Interest Rate0.00%
Term12-36
UpdatedMar 20, 2026
Details
As Low As
Act 1st Federal Credit Union
A5.0 ★ Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD, 21502
USED AUTO 2024 & Newer
3.24%
0-36
▼
Interest Rate0.00%
Term0-36
UpdatedMar 24, 2026
Details
No additional details provided.
Merck Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.22%
126 E LINCOLN AVE, RAHWAY, NJ, 07065 4607
Used Auto Loan
3.25%
12-60
▼
Interest Rate0.00%
Term12-60
UpdatedMar 20, 2026
Details
As Low As
Montgomery VA Federal Credit Union
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMar 21, 2026
Details
No additional details provided.
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2014 - 2017
3.25%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMar 23, 2026
Details
As Low As; up to 72 months
CTA 74th Street Depot Federal Credit Union
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.25%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 24, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
ABD Federal Credit Union
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
Interest Rate0.00%
Term24 months
UpdatedMar 24, 2026
Details
No additional details provided.
Education First Federal Credit Union
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
No additional details provided.
South Side Community Federal Credit Union
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 24, 2026
Details
Application fee: $20.00
POCU of Maryland
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car
3.29%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 21, 2026
Details
No additional details provided.
KeyPoint Credit Union
A+5.0 ★ Texas Ratio: 2.20%
7062 Market Place Dr, Goleta, CA, 93117 5902
Used Auto: 2019 - 2025 with 5K miles or more
3.29%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 24, 2026
Details
No additional details provided.
United Methodist Credit Union
F2.7 ★ Texas Ratio: 42.14%
7305 Boulder View Ln, North Chesterfield, VA, 23225 4953
Used Car/Bus/Van
3.34%
36-72 months
▼
Interest Rate0.00%
Term36-72 months
UpdatedMar 22, 2026
Details
No additional details provided.
TMH Federal Credit Union
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.35%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 21, 2026
Details
No additional details provided.
Beacon Federal Credit Union
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
Interest Rate0.00%
TermUp to 36 Months
UpdatedMar 16, 2026
Details
No additional details provided.
Blue Coast Federal Credit Union
A+5.0 ★ Texas Ratio: 4.37%
1825 S Jefferson St, Perry, FL, 32348 5614
New & Used Auto
3.39%
up to 24 Months
▼
Interest Rate0.00%
Termup to 24 Months
UpdatedMar 21, 2026
Details
As Low As
Statewide Federal Credit Union
A+5.0 ★ Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS, 39232 9527
Used Autos
3.49%
1-24
▼
Interest Rate0.00%
Term1-24
UpdatedMar 15, 2026
Details
No additional details provided.
Market USA Federal Credit Union
A5.0 ★ Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto
3.49%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As
Market USA Federal Credit Union
A5.0 ★ Texas Ratio: 6.88%
8871 Gorman Rd, Laurel, MD, 20723 5877
Used Auto Loan
3.49%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As
Thinkwise Federal Credit Union
A+5.0 ★ Texas Ratio: 3.33%
599 N E St, San Bernardino, CA, 92401
New & Used Auto Loans
3.49%
36 months
▼
Interest Rate0.00%
Term36 months
UpdatedMar 21, 2026
Details
As Low As
USE Federal Credit Union
A+5.0 ★ Texas Ratio: 0.89%
4301 S INTERSTATE 44 SERVICE RD, OKLAHOMA CITY, OK, 73119
New & Used Autos
3.49%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMar 22, 2026
Details
As Low As
VANTAGE TRUST
A+5.0 ★ Texas Ratio: 0.01%
247 WILKES BARRE TOWNSHIP BLVD, WILKES BARRE, PA, 18702 6705
Used Vehicle
3.49%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 22, 2026
Details
2016-2019
First Choice Federal Credit Union
A+5.0 ★ Texas Ratio: 5.15%
2209 W State St, New Castle, PA, 16101 1138
Used Autos 2026 - 2024
3.49%
Up to 40
▼
Interest Rate0.00%
TermUp to 40
UpdatedMar 23, 2026
Details
No additional details provided.
Richmond Heritage Federal Credit Union
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.49%
60 months
▼
Interest Rate0.00%
Term60 months
UpdatedMar 24, 2026
Details
No additional details provided.
Rock Valley Credit Union
A+5.0 ★ Texas Ratio: 5.65%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 24, 2026
Details
As Low As; for 36 months at $29.30 per $1,000
Neches Federal Credit Union
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Augusta Health Care Credit Union
A+5.0 ★ Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA, 22939
2026+ New & Used Auto Loan
3.50%
36-60
▼
Interest Rate0.00%
Term36-60
UpdatedMar 16, 2026
Details
100% NADA Retail/MSRP
Golden Valley Federal Credit Union
A+5.0 ★ Texas Ratio: 5.03%
409 W Center St, Manteca, CA, 95336
New & Used Auto Loans
3.50%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval.
Greater Woodlawn Federal Credit Union
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New & Used Autos
3.50%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 20, 2026
Details
As Low As
Greater Woodlawn Federal Credit Union
A+5.0 ★ Texas Ratio: 0.35%
351 E FAIRMOUNT AVE, LAKEWOOD, NY, 14750
New/Used Vehicle Loan Special
3.50%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 20, 2026
Details
As Low As; Only Available to "A+," "A," "B," and "C."
IDB Global Federal Credit Union
A+5.0 ★ Texas Ratio: 0.99%
1300 New York Ave NW, Washington, DC, 20577 0001
Auto Loan-Used Vehicle (Fixed Rate)
3.50%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 20, 2026
Details
From 81% to 100% LTV Ratio
Long Beach Firemens Credit Union
A+5.0 ★ Texas Ratio: 1.00%
2245 Argonne Ave, Long Beach, CA, 90815
Used Vehicle Loan
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
No additional details provided.
MAMTA Federal Credit Union
A+5.0 ★ Texas Ratio: 0.02%
1000 W Boston Post Rd, Mamaroneck, NY, 10543 3328
New & Used Cars
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
No additional details provided.
Virginia Beach Postal Federal Credit Union
A+5.0 ★ Texas Ratio: 0.01%
501 Viking Dr # A, Virginia Beach, VA, 23452 7306
USED AUTOS Model Years 2026 - 2023
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 22, 2026
Details
Loan rate starting at..., based on credit score.
YTR Community Federal Credit Union
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
3.50%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 22, 2026
Details
A++ 750+
FEDMONT
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 23, 2026
Details
As Low As; NADA Retail Value Maximum
SOUTHERNMOST
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
3.50%
12-36
▼
Interest Rate0.00%
Term12-36
UpdatedMar 24, 2026
Details
No additional details provided.
CTA 74th Street Depot Federal Credit Union
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.50%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 24, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
ABD Federal Credit Union
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
Interest Rate0.00%
Term36 months
UpdatedMar 24, 2026
Details
No additional details provided.
Chicago Firefighters Credit Union
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
Credit Score A 700 & Up
Chicago Firefighters Credit Union
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up 36 mos.
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
No additional details provided.
CS Credit Union
A+5.0 ★ Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles
3.50%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 25, 2026
Details
As Low As
Education First Federal Credit Union
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 25, 2026
Details
No additional details provided.
edU Federal Credit Union
A5.0 ★ Texas Ratio: 8.99%
113 W 6th St, Historic New Castle, DE, 19720 5070
Used Vehicle
3.50%
12 Months
▼
Interest Rate0.00%
Term12 Months
UpdatedMar 25, 2026
Details
Amount Financed: 100% NADA Retail Value
Waterfront Federal Credit Union
A+5.0 ★ Texas Ratio: 5.80%
6419 Fauntleroy Way SW, Seattle, WA, 98136
New & Used Autos (2021 & Newer)
3.64%
Up to 84 Months
▼
Interest Rate0.00%
TermUp to 84 Months
UpdatedMar 22, 2026
Details
No additional details provided.
MemberSource Credit Union
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
Interest Rate0.00%
Term84 Months
UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Victoria City County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.67%
36 to 72 Months
▼
Interest Rate0.00%
Term36 to 72 Months
UpdatedMar 22, 2026
Details
No additional details provided.
Olean Teachers And Postal Federal Credit Union
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
Used Auto
3.69%
up to 48 months
▼
Interest Rate0.00%
Termup to 48 months
UpdatedMar 21, 2026
Details
No additional details provided.
HAWAIIAN ELECTRIC EMPLOYEES
A+5.0 ★ Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
3.70%
Special: 2 & 3 Years
▼
Interest Rate3.70%
TermSpecial: 2 & 3 Years
UpdatedMar 20, 2026
Details
No additional details provided.
Guardian Credit Union Montgomery, AL
A5.0 ★ Texas Ratio: 11.42%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
3.70%
102 Months
▼
Interest Rate0.00%
Term102 Months
UpdatedMar 21, 2026
Details
As Low As
NIAGARAS CHOICE
A+5.0 ★ Texas Ratio: 0.16%
3619 Packard Rd, Niagara Falls, NY, 14303 2224
Used Auto (2019-2023)
3.70%
24 to 72 months
▼
Interest Rate0.00%
Term24 to 72 months
UpdatedMar 24, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
Regional Federal Credit Union
A+5.0 ★ Texas Ratio: 4.39%
7144 Kennedy Ave, Hammond, IN, 46323 2225
New and Used Auto Loans
3.74%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 21, 2026
Details
As Low As; Model Year: 2023-2027
Romney Federal Credit Union
A5.0 ★ Texas Ratio: 8.48%
62 W Main St, Romney, WV, 26757 1638
Used Auto
3.74%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 21, 2026
Details
As Low As; 2025-2023
Miami Postal Service Credit Union
A+5.0 ★ Texas Ratio: 3.65%
2190 NW 72nd Ave, Miami, FL, 33122 1824
Used Automobile
3.74%
24-84 Months
▼
Interest Rate0.00%
Term24-84 Months
UpdatedMar 21, 2026
Details
As Low As
Community Resource Credit Union
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
HAWAIIAN ELECTRIC EMPLOYEES
A+5.0 ★ Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
3.75%
Special: 4 Years
▼
Interest Rate3.75%
TermSpecial: 4 Years
UpdatedMar 20, 2026
Details
No additional details provided.
The Southern Credit Union
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
3.75%
24 Months+
▼
Interest Rate0.00%
Term24 Months+
UpdatedMar 21, 2026
Details
Tesla financing requires 20% equity
ORLEX Government Employees Credit Union
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
3.75%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 21, 2026
Details
No additional details provided.
YTR Community Federal Credit Union
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
3.75%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 22, 2026
Details
A+ 720-749
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2011 - 2013
3.75%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 23, 2026
Details
As Low As; up to 48 months
FEDMONT
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.75%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 23, 2026
Details
As Low As
Richmond Heritage Federal Credit Union
A+5.0 ★ Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA, 23224 2316
New and Used Vehicles
3.75%
72 months
▼
Interest Rate0.00%
Term72 months
UpdatedMar 24, 2026
Details
No additional details provided.
ABD Federal Credit Union
A+5.0 ★ Texas Ratio: 2.11%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
Interest Rate0.00%
Term48 months
UpdatedMar 24, 2026
Details
No additional details provided.
IBEW Local No 5 Federal Credit Union
A+5.0 ★ Texas Ratio: 0.63%
5 Hot Metal St Ste 201, Pittsburgh, PA, 15203 2351
New / Used Vehicles
3.75%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 24, 2026
Details
As Low As
Boulevard Federal Credit Union
A+5.0 ★ Texas Ratio: 0.57%
2787 Niagara Falls Blvd, Amherst, NY, 14228
New and Used Auto Loan 36 Months
3.75%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
As Low As
Education First Federal Credit Union
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 25, 2026
Details
No additional details provided.
TEWKSBURY
A+5.0 ★ Texas Ratio: 0.00%
752 Main St, Tewksbury, MA, 01876
New & Used Vehicle Loans
3.79%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 24, 2026
Details
As Low As; Terms from 36 to 84 months with Direct Deposit
South Coast ILWU Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
2438 Broadway Ave, North Bend, OR, 97459
New or Used Auto Loans
3.85%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMar 24, 2026
Details
No additional details provided.
Hurricane Creek Federal Credit Union
A+5.0 ★ Texas Ratio: 5.46%
1114 FERGUSON DR, BENTON, AR, 72015 3528
New/Used Autos (under 7yrs. old)
3.88%
7Yrs
▼
Interest Rate0.00%
Term7Yrs
UpdatedMar 20, 2026
Details
As Low As
Beacon Federal Credit Union
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
Interest Rate0.00%
Term37-48 Months
UpdatedMar 16, 2026
Details
No additional details provided.
Olean Teachers And Postal Federal Credit Union
A+5.0 ★ Texas Ratio: 3.67%
1700 CONSTITUTION AVE, OLEAN, NY, 14760
Used Auto
3.89%
49 - 60 months
▼
Interest Rate0.00%
Term49 - 60 months
UpdatedMar 21, 2026
Details
No additional details provided.
Ontario Shores Federal Credit Union
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
3.90%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 21, 2026
Details
As Low As
Area Educational Credit Union
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
3.90%
36 months
▼
Interest Rate0.00%
Term36 months
UpdatedMar 21, 2026
Details
No additional details provided.
SUNY Fredonia Federal Credit Union
A+5.0 ★ Texas Ratio: 0.82%
280 CENTRAL AVE, FREDONIA, NY, 14063 1127
Used or Refi Vehicle Loans 2024 - 2014
3.90%
1-4 Years
▼
Interest Rate0.00%
Term1-4 Years
UpdatedMar 24, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
Interest Rate0.00%
Term1 - 84
UpdatedMar 24, 2026
Details
No additional details provided.
Abilene Teachers Federal Credit Union
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
Interest Rate0.00%
Term1 - 84
UpdatedMar 24, 2026
Details
No additional details provided.
Education 1st Credit Union
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
3.90%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 25, 2026
Details
No additional details provided.
Scenic Community Credit Union
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
3.95%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
TMH Federal Credit Union
A+5.0 ★ Texas Ratio: 5.81%
345 S Magnolia Dr, Tallahassee, FL, 32301
New Auto/ Used Auto (Five Years or Newer)
3.95%
72 Months / $20,000.00 Minimum
▼
Interest Rate0.00%
Term72 Months / $20,000.00 Minimum
UpdatedMar 21, 2026
Details
No additional details provided.
United Federal Credit Union
A+5.0 ★ Texas Ratio: 3.35%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
▼
Interest Rate0.00%
TermUp to 36 Months
UpdatedMar 24, 2026
Details
As Low As; Vehicle Model Years: All Years**
Statewide Federal Credit Union
A+5.0 ★ Texas Ratio: 3.63%
295 E Layfair Dr, Flowood, MS, 39232 9527
Used Autos
3.99%
1-24
▼
Interest Rate0.00%
Term1-24
UpdatedMar 15, 2026
Details
No additional details provided.
Circuit Federal Credit Union
A+5.0 ★ Texas Ratio: 1.12%
3234 Union Rd, CHEEKTOWAGA, NY, 14227 1044
Used Auto Loans
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 16, 2026
Details
As Low As
Credit Union of Richmond
A+5.0 ★ Texas Ratio: 0.60%
1601 Ownby Ln, Richmond, VA, 23220
Used Auto Purchase and Refinance (2023-2027)
3.99%
0-48
▼
Interest Rate0.00%
Term0-48
UpdatedMar 16, 2026
Details
As Low As
First Commonwealth Federal Credit Union
A5.0 ★ Texas Ratio: 9.91%
450 Union Blvd, Allentown, PA, 18109 3228
Used Auto Loan Refinance Rate Special
3.99%
3 - 36
▼
Interest Rate0.00%
Term3 - 36
UpdatedMar 18, 2026
Details
As Low As
Gain Federal Credit Union
A+5.0 ★ Texas Ratio: 2.09%
1800 W Magnolia Blvd, Burbank, CA, 91506 1726
New or Used Car, Truck, SUV, Van* - Fixed Rate for Vehicles Up to Three Years Old
3.99%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 20, 2026
Details
As Low As; No Payments for up to 90 Days
H.E.A. Federal Credit Union
A5.0 ★ Texas Ratio: 7.76%
121 OSIGIAN BLVD, WARNER ROBINS, GA, 31088
Used Car 2022-2026
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As
Hello Credit Union
A+5.0 ★ Texas Ratio: 2.12%
103 S Tyndall Pkwy, Panama City, FL, 32404 6722
Used Auto
3.99%
Up to 84
▼
Interest Rate0.00%
TermUp to 84
UpdatedMar 20, 2026
Details
No additional details provided.
Houston Highway Credit Union
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
Interest Rate0.00%
Term24 - 72+ Months
UpdatedMar 20, 2026
Details
No additional details provided.
Hoboken School Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New, Enterprise, or Used Under 3 years
3.99%
3 Months
▼
Interest Rate0.00%
Term3 Months
UpdatedMar 20, 2026
Details
No additional details provided.
MOOG EMPLOYEES
A5.0 ★ Texas Ratio: 12.22%
7181 SENECA St, EAST AURORA, NY, 14052 0018
Used Auto Loans
3.99%
12-24
▼
Interest Rate0.00%
Term12-24
UpdatedMar 20, 2026
Details
No additional details provided.
Mutual Federal Credit Union
A+5.0 ★ Texas Ratio: 3.20%
1604 Cherry St, Vicksburg, MS, 39180
Used Vehicle Loans
3.99%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMar 20, 2026
Details
As Low As; Rates are listed as low as and will vary based on credit qualifications and the vehicle collateral. Your rate may be different than the rate listed.
Metro Employees Credit Union
A+5.0 ★ Texas Ratio: 1.04%
1306 VERSAILLES RD STE 140, Lexington, KY, 40504 1795
New, Used, and Refinance Auto Loan
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 20, 2026
Details
As Low As; Rates as low as 3.99% APR on loans up to 60 months*
MIAMI FIREFIGHTERS
A5.0 ★ Texas Ratio: 6.55%
1111 NW 7th St, Miami, FL, 33136
Used Auto Loan
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
No additional details provided.
New Horizons Credit Union
A+5.0 ★ Texas Ratio: 1.08%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2024-2020)
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Niagara Wheatfield Federal Credit Union
A+5.0 ★ Texas Ratio: 4.06%
2346 SAUNDERS SETTLEMENT RD, SANBORN, NY, 14132
New & Used Vehicles up to 36 months
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
No additional details provided.
Quincy Credit Union
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
Up to 36 months
▼
Interest Rate0.00%
TermUp to 36 months
UpdatedMar 21, 2026
Details
As Low As
Regional Federal Credit Union
A+5.0 ★ Texas Ratio: 4.39%
7144 Kennedy Ave, Hammond, IN, 46323 2225
New and Used Auto Loans
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 21, 2026
Details
As Low As; Model Year: 2023-2027
Select Employees Credit Union
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
▼
Interest Rate0.00%
Term0-36 months
UpdatedMar 21, 2026
Details
No additional details provided.
Simplicity Credit Union
A5.0 ★ Texas Ratio: 10.89%
222 E Upham St, Marshfield, WI, 54449 1543
4-6 Years New & Used Auto Loan Special*
3.99%
6 Years
▼
Interest Rate0.00%
Term6 Years
UpdatedMar 21, 2026
Details
As Low As
Palmetto Citizens Federal Credit Union
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck
3.99%
Up to 36 months
▼
Interest Rate0.00%
TermUp to 36 months
UpdatedMar 21, 2026
Details
As Low As; (2023-New)
Palmetto Citizens Federal Credit Union
A+5.0 ★ Texas Ratio: 4.17%
1320 Washington St, Columbia, SC, 29201 3382
New & Used Automobile or Truck (2023-New)
3.99%
Up to 36 months
▼
Interest Rate0.00%
TermUp to 36 months
UpdatedMar 21, 2026
Details
As Low As
Popa Federal Credit Union
A+5.0 ★ Texas Ratio: 2.21%
13304 Alondra Blvd, Cerritos, CA, 90703
Used Auto
3.99%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 21, 2026
Details
As Low As
Thinkwise Federal Credit Union
A+5.0 ★ Texas Ratio: 3.33%
599 N E St, San Bernardino, CA, 92401
New & Used Auto Loans
3.99%
72 months
▼
Interest Rate0.00%
Term72 months
UpdatedMar 21, 2026
Details
As Low As
Town of Cheektowaga Federal Credit Union
A+5.0 ★ Texas Ratio: 0.27%
3251 BROADWAY St, CHEEKTOWAGA, NY, 14227 1033
Used automobile 2021 - 2026
3.99%
36 months
▼
Interest Rate0.00%
Term36 months
UpdatedMar 22, 2026
Details
No additional details provided.
Triboro Postal Federal Credit Union
A+5.0 ★ Texas Ratio: 0.76%
14202 20th Ave, Flushing, NY, 11351 3000
Used Car
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 22, 2026
Details
18 - 19
TRUE Community Credit Union
A5.0 ★ Texas Ratio: 11.15%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 22, 2026
Details
As Low As
United Heritage Credit Union
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
Interest Rate0.00%
Term12 to 84 Months
UpdatedMar 22, 2026
Details
As Low As
University of Kentucky Federal Credit Union
A5.0 ★ Texas Ratio: 7.63%
2557 Sir Barton Way, Lexington, KY, 40509
New/Used Vehicle
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 22, 2026
Details
As Low As
United Energy Credit Union
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
US Eagle Federal Credit Union
F1.5 ★ Texas Ratio: 56.62%
3939 Osuna Rd NE, Albuquerque, NM, 87109 4431
New and Used Auto Loans
3.99%
Up to 36 months
▼
Interest Rate0.00%
TermUp to 36 months
UpdatedMar 22, 2026
Details
As Low As
Valwood Park Federal Credit Union
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
Interest Rate0.00%
TermUp to 36 months
UpdatedMar 22, 2026
Details
As Low As
Westerly Community Credit Union
A+5.0 ★ Texas Ratio: 1.26%
122 Granite St, Westerly, RI, 02891
Used Auto Loans 2021 - 2025
3.99%
3 years
▼
Interest Rate0.00%
Term3 years
UpdatedMar 22, 2026
Details
No additional details provided.
Mobile Educators Credit Union
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2026- 2024
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 22, 2026
Details
No additional details provided.
Enbright Credit Union
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100, Nashville, TN, 37246 0001
Used Auto Model Years 2018 - 2020
3.99%
84 Months
▼
Interest Rate0.00%
Term84 Months
UpdatedMar 23, 2026
Details
As Low As; for 84 months
Enfield Community Federal Credit Union
A+5.0 ★ Texas Ratio: 0.68%
11 Cranbrook Blvd, Enfield, CT, 06082
New /Used Cars
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 23, 2026
Details
As Low As
Fresno Police Department Credit Union
A+5.0 ★ Texas Ratio: 0.00%
1004 N Van Ness Ave, Fresno, CA, 93728 3430
Used Auto Loan
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 23, 2026
Details
No additional details provided.
Fresno Police Department Credit Union
A+5.0 ★ Texas Ratio: 0.00%
1004 N Van Ness Ave, Fresno, CA, 93728 3430
Used Autos
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 23, 2026
Details
Annual Percentage Rate assumes Direct Deposit and Auto Payment from a FPDCU checking account. Actual rates are determined by the credit worthiness of the borrower and other loan underwriting criteria.
FRONT ROYAL
A+5.0 ★ Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA, 22630 2616
Used Vehicles 2025 and Older
3.99%
36-60 months
▼
Interest Rate0.00%
Term36-60 months
UpdatedMar 23, 2026
Details
As Low As
1st Advantage Federal Credit Union
A+5.0 ★ Texas Ratio: 2.79%
224 Commons Way, Williamsburg, VA, 23185
New & Used Auto Loan Refinance
3.99%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 24, 2026
Details
Vehicle model years 2023 or newer; Limited time offer
Act 1st Federal Credit Union
A5.0 ★ Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD, 21502
USED AUTO 2020 - Newer
3.99%
0-36
▼
Interest Rate0.00%
Term0-36
UpdatedMar 24, 2026
Details
No additional details provided.
Act 1st Federal Credit Union
A5.0 ★ Texas Ratio: 11.88%
14316 National Hwy SW, LaVale, MD, 21502
USED AUTO 2024 & Newer
3.99%
49-60
▼
Interest Rate0.00%
Term49-60
UpdatedMar 24, 2026
Details
No additional details provided.
Advance Financial Federal Credit Union
A+5.0 ★ Texas Ratio: 5.00%
31 W US Highway 30, Schererville, IN, 46375 2108
Used Vehicles
3.99%
Up to 36 Months
▼
Interest Rate0.00%
TermUp to 36 Months
UpdatedMar 24, 2026
Details
Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2016 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $20,000 loan for highest term listed in range.
None Suffer Lack Federal Credit Union
A+5.0 ★ Texas Ratio: 0.02%
4929 Allentown Rd, Suitland, MD, 20746 3934
Used Auto
3.99%
0-36
▼
Interest Rate0.00%
Term0-36
UpdatedMar 24, 2026
Details
As Low As
OK Members First Federal Credit Union
A+5.0 ★ Texas Ratio: 3.03%
10832 E 31st St, Tulsa, OK, 74146
New & Used Autos
3.99%
84 Months
▼
Interest Rate0.00%
Term84 Months
UpdatedMar 24, 2026
Details
No additional details provided.
APCI Federal Credit Union
A+5.0 ★ Texas Ratio: 1.10%
6126 Hamilton Blvd Ste 102, Allentown, PA, 18106
Used Auto
3.99%
3 years (2018-2026)
▼
Interest Rate3.99%
Term3 years (2018-2026)
UpdatedMar 25, 2026
Details
No additional details provided.
Arrowhead Central Credit Union
A+5.0 ★ Texas Ratio: 2.28%
23971 Lake Dr, Crestline, CA, 92325
New & Used Autos
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
No additional details provided.
Atlantic Regional Federal Credit Union
A+5.0 ★ Texas Ratio: 2.96%
55 Cushing ST, Brunswick, ME, 04011
New/Used Automobiles
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
As Low As
Blue Flame Credit Union Charlotte, NC
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Special Refinance Offer: New & Used Cars, Trucks, SUVs
3.99%
36 months
▼
Interest Rate0.00%
Term36 months
UpdatedMar 25, 2026
Details
As Low As
Certified Federal Credit Union
A+5.0 ★ Texas Ratio: 1.58%
3550 Murphy Canyon Rd, San Diego, CA, 92123
Used Auto Loan
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
No additional details provided.
Canton School Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 3.60%
1380 Market Ave N, Canton, OH, 44714 2606
New & Used Auto Loan
3.99%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMar 25, 2026
Details
As Low As; up to 72 Months; NO Application Fee. NO Early Payoff Penalty. NO Whacky Fees.
Central Virginia Federal Credit Union
A5.0 ★ Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA, 24504 5429
Used Auto
3.99%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 25, 2026
Details
As Low As; Modal Year: 2020-2025
Dade County Federal Credit Union
A+5.0 ★ Texas Ratio: 1.67%
1500 NW 107th Ave, Sweetwater, FL, 33172 2706
Used Auto Loans
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 25, 2026
Details
As Low As
Neches Federal Credit Union
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
1st Community Federal Credit Union
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 16, 2026
Details
As Low As
FedTrust Federal Credit Union
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto Up to 36 Months
4.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 18, 2026
Details
No additional details provided.
Greensboro Credit Union
A5.0 ★ Texas Ratio: 7.43%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
New and Used Autos < 10 years
4.00%
36 months - 84 months
▼
Interest Rate0.00%
Term36 months - 84 months
UpdatedMar 20, 2026
Details
No additional details provided.
Golden Triangle Federal Credit Union
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As
Hawaii County Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 1.21%
131 Puuhonu Way, Hilo, HI, 96720
USED AUTO
4.00%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
No additional details provided.
HAWAIIAN ELECTRIC EMPLOYEES
A+5.0 ★ Texas Ratio: 2.62%
770 KAPIOLANI BLVD STE 514, HONOLULU, HI, 96813
Used Auto Loans
4.00%
Special: 5 Years
▼
Interest Rate4.00%
TermSpecial: 5 Years
UpdatedMar 20, 2026
Details
No additional details provided.
IDB Global Federal Credit Union
A+5.0 ★ Texas Ratio: 0.99%
1300 New York Ave NW, Washington, DC, 20577 0001
Auto Loan-Used Vehicle (Fixed Rate)
4.00%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
From 81% to 100% LTV Ratio
Long Beach Firemens Credit Union
A+5.0 ★ Texas Ratio: 1.00%
2245 Argonne Ave, Long Beach, CA, 90815
Used Vehicle Loan
4.00%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMar 20, 2026
Details
No additional details provided.
Middletown Area Schools Credit Union
A+5.0 ★ Texas Ratio: 1.59%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer
4.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMar 20, 2026
Details
As Low As
Scenic Community Credit Union
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Up to 25,000 miles
4.00%
49 - 63
▼
Interest Rate0.00%
Term49 - 63
UpdatedMar 20, 2026
Details
As Low As; Up to 135% of Retail - see below
Seagoville Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
Interest Rate0.00%
Term12 Months
UpdatedMar 21, 2026
Details
As Low As
The Southern Credit Union
A+5.0 ★ Texas Ratio: 0.35%
430 Lanier Ave E, Fayetteville, GA, 30214
Used Auto (Model Year 2016 or newer)
4.00%
48 Months~
▼
Interest Rate0.00%
Term48 Months~
UpdatedMar 21, 2026
Details
Tesla financing requires 20% equity
Powered byMonitorBankRates
Used Auto Loan Rate Trends
Weekly national average APRs for used vehicle financing
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
Used Auto Loan — National Avg APR
6.644%
▲ 0.012 from last week
Used Auto Loan rates rose 0.012 points this week to 6.644% APR, up from 6.633% last week.
As of Mar 26, 2026 • Weekly averages from 8,500+ U.S. banks & credit unions
Powered byMonitorBankRates
Frequently Asked Questions about Used Auto Loan Rates
What are the best used auto loan rates right now?
The best used car loan rates are updated daily in the table above. Used vehicle rates are typically higher than new car rates. Use the state and term filters to find lenders actively serving your area.
Why are used car loan rates higher than new?
Used vehicles carry higher lender risk due to lower resale value, potential mechanical issues, and faster depreciation compared to new cars. Lenders offset this risk with slightly higher interest rates.
How old can a vehicle be to qualify for standard financing?
Most lenders have vehicle age restrictions, typically financing cars up to 7–10 years old. Older vehicles may require a personal loan or a lender specializing in older vehicles. Always check the lender's vehicle eligibility requirements.
Should I get pre-approved for a used car loan?
Absolutely. Pre-approval lets you shop with confidence, gives you a rate ceiling, and prevents dealers from rolling financing costs into the vehicle price. Compare offers from multiple lenders before committing.
Does vehicle mileage affect my loan rate?
Yes. Many lenders impose higher rates or restrict financing on high-mileage vehicles (typically above 100,000–150,000 miles). Lower-mileage certified pre-owned vehicles often qualify for rates closer to new car financing.
Top Used Auto Loan Rates
- Enbright Credit Union: 1.99% APR (Used Auto Model Years 2014 - 2017)
- Enbright Credit Union: 1.99% APR (Used Auto Model Years 2018 - 2020)
- Boulevard Federal Credit Union: 1.99% APR (New and Used Auto Loan 24 Months)
- Mclennan County Employees Federal Credit Union: 2.00% APR (Used Vehicles - 2016-2017)
- Mclennan County Employees Federal Credit Union: 2.00% APR (Used Vehicles - 2018-2020)
Rates reflect verified offers. Final rate depends on credit profile. Last Updated: Mar 23, 2026
Rates & Resources
Search Used Auto Loan Rates by State
Alaska
Alabama
Arkansas
Arizona
California
Colorado
Connecticut
District Of Columbia
Delaware
Florida
Georgia
Hawaii
Iowa
Idaho
Illinois
Indiana
Kansas
Kentucky
Louisiana
Massachusetts
Maryland
Maine
Michigan
Minnesota
Missouri
Mississippi
