Best Used Auto Loan Rates — May 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
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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.
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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: Richmond Heritage Federal Credit Union's New and Used Vehicles at 2.49% APR, WEPCO Federal Credit Union's New or Used Vehicle Loans at 2.49% APR, TONGASS's New & Used Auto Loans at 2.50% APR, Ohio County Public Schools Federal Credit Union's Used Vehicle - Model Year Already Titled - 1999 at 2.50% APR, and CDC Federal Credit Union's Used Auto at 2.70% APR. Rates as of May 6, 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: May 6, 2026
Compare Used Auto Loan Rates Nationwide
Source: Verified Auto Loan Rate Data by MonitorBankRates
Institution
Product
APR
Term
Profile
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
UpdatedMay 6, 2026
Details
No additional details provided.
WEPCO Federal Credit Union
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
2.49%
0-48 Months
▼
Interest Rate0.00%
Term0-48 Months
UpdatedMay 6, 2026
Details
As Low As
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
UpdatedMay 2, 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
UpdatedMay 7, 2026
Details
No additional details provided.
CDC Federal Credit Union
A+5.0 ★ Texas Ratio: 4.26%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
2.70%
0-24 Months
▼
Interest Rate0.00%
Term0-24 Months
UpdatedMay 6, 2026
Details
As Low As
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
UpdatedMay 6, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
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
UpdatedMay 6, 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
2.95%
102 Months
▼
Interest Rate0.00%
Term102 Months
UpdatedMay 4, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
Interest Rate0.00%
Term0-36
UpdatedMay 7, 2026
Details
Grade: A+ (800+)
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
UpdatedMay 6, 2026
Details
No additional details provided.
WEPCO Federal Credit Union
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
2.99%
0-48
▼
Interest Rate0.00%
Term0-48
UpdatedMay 6, 2026
Details
As Low As
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
UpdatedMay 7, 2026
Details
As Low As; 2020-2025
First Priority Federal Credit Union
A+5.0 ★ Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV, 25701
Used Auto - 2023
2.99%
48MO
▼
Interest Rate0.00%
Term48MO
UpdatedMay 10, 2026
Details
No additional details provided.
First Priority Federal Credit Union
A+5.0 ★ Texas Ratio: 2.97%
500 Virginia Ave, Huntington, WV, 25701
Used Auto - 2024-2026
2.99%
36MO
▼
Interest Rate0.00%
Term36MO
UpdatedMay 10, 2026
Details
As Low As
St Anthony Of Padua Federal Credit Union
A+5.0 ★ Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
3.10%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 6, 2026
Details
As Low As
My Pensacola Federal Credit Union
A+5.0 ★ Texas Ratio: 0.89%
108 S Reus St, Pensacola, FL, 32502 5718
Celebrating Our Members Auto Loans (Used) Special
3.15%
24 Months
▼
Interest Rate3.15%
Term24 Months
UpdatedMay 6, 2026
Details
special rate up to 24 months*
WEPCO Federal Credit Union
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.24%
49-60 Months
▼
Interest Rate0.00%
Term49-60 Months
UpdatedMay 6, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
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
UpdatedMay 10, 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
3.25%
24 months
▼
Interest Rate0.00%
Term24 months
UpdatedMay 2, 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
3.25%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMay 6, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
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
UpdatedMay 6, 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
3.25%
12 Months
▼
Interest Rate0.00%
Term12 Months
UpdatedMay 10, 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
UpdatedMay 10, 2026
Details
Application fee: $20.00
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
UpdatedApr 19, 2026
Details
No additional details provided.
POCU of Maryland
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 24 Months
3.29%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMay 2, 2026
Details
No additional details provided.
POCU of Maryland
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 36 Months
3.29%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 2, 2026
Details
No additional details provided.
POCU of Maryland
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 48 Months
3.29%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMay 2, 2026
Details
No additional details provided.
POCU of Maryland
A+5.0 ★
900 E Fayette St Rm 606, Baltimore, MD, 21233 1050
Used Car 60 Months
3.29%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 2, 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
UpdatedMay 7, 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
UpdatedMay 6, 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
3.49%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
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
UpdatedMay 2, 2026
Details
As Low As; for 36 months at $29.30 per $1,000
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
UpdatedMay 2, 2026
Details
2016-2019
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
UpdatedMay 6, 2026
Details
No additional details provided.
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
UpdatedMay 6, 2026
Details
No additional details provided.
WEPCO Federal Credit Union
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.49%
61-72 Months
▼
Interest Rate0.00%
Term61-72 Months
UpdatedMay 6, 2026
Details
As Low As; Minimum Financing of $15,000 for 72 Months
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
UpdatedMay 6, 2026
Details
As Low As
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 Months
▼
Interest Rate0.00%
TermUp to 40 Months
UpdatedMay 6, 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
UpdatedMay 6, 2026
Details
As Low As
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
UpdatedApr 18, 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.
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
UpdatedMay 2, 2026
Details
No additional details provided.
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
UpdatedMay 2, 2026
Details
No additional details provided.
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
UpdatedMay 2, 2026
Details
As Low As; NADA Retail Value Maximum
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
UpdatedMay 6, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
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
UpdatedMay 6, 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
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 6, 2026
Details
As Low As; All Years**
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
UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
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
UpdatedMay 6, 2026
Details
Amount Financed: 100% NADA Retail Value
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
UpdatedMay 7, 2026
Details
From 81% to 100% LTV Ratio
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 - 2024
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 7, 2026
Details
As Low As; **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
UpdatedMay 7, 2026
Details
A++ 750+
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
UpdatedMay 7, 2026
Details
As Low As
Chicago Firefighters Credit Union
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
3.50%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 10, 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
UpdatedMay 10, 2026
Details
As Low As
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
3.58%
36 to 72 Months
▼
Interest Rate0.00%
Term36 to 72 Months
UpdatedMay 7, 2026
Details
No additional details provided.
CDC Federal Credit Union
A+5.0 ★ Texas Ratio: 4.26%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
3.60%
61-72 Months
▼
Interest Rate0.00%
Term61-72 Months
UpdatedMay 6, 2026
Details
As Low As
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
UpdatedMay 7, 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
UpdatedMay 2, 2026
Details
No additional details provided.
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
UpdatedMay 2, 2026
Details
As Low As; Rate includes auto-pay discount of .25%
MemberSource Credit Union
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
Interest Rate0.00%
TermUp to 36 Months
UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
WEPCO Federal Credit Union
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
3.74%
49-60
▼
Interest Rate0.00%
Term49-60
UpdatedMay 6, 2026
Details
As Low As; Minimum Financing of $10,000 for 60 Months
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
UpdatedMay 7, 2026
Details
As Low As; Model Year: 2023-2027
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
UpdatedMay 10, 2026
Details
As Low As
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
UpdatedApr 19, 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+
UpdatedMay 2, 2026
Details
Tesla financing requires 20% equity
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
UpdatedMay 2, 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
UpdatedMay 2, 2026
Details
No additional details provided.
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
UpdatedMay 2, 2026
Details
As Low As
Corner Post Federal Credit Union
A+5.0 ★ Texas Ratio: 0.77%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (3-4 Years Old) JD Power Book Price - 90% Financed
3.75%
12 Months
▼
Interest Rate0.00%
Term12 Months
UpdatedMay 6, 2026
Details
No additional details provided.
Corner Post Federal Credit Union
A+5.0 ★ Texas Ratio: 0.77%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - (5 Years & Older) JD Power Book Price - 85% Financed
3.75%
12 Months
▼
Interest Rate0.00%
Term12 Months
UpdatedMay 6, 2026
Details
No additional details provided.
Corner Post Federal Credit Union
A+5.0 ★ Texas Ratio: 0.77%
566 S Main St, Wilkes Barre, PA, 18701 2102
Used Vehicles - Up To 2 Years Old - 100% Financed
3.75%
12 Months
▼
Interest Rate0.00%
Term12 Months
UpdatedMay 6, 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
3.75%
72 months
▼
Interest Rate0.00%
Term72 months
UpdatedMay 6, 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
3.75%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMay 6, 2026
Details
As Low As; All Years**
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
UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
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
UpdatedMay 7, 2026
Details
A+ 720-749
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
UpdatedMay 7, 2026
Details
As Low As
Combined Employees Credit Union
A+5.0 ★ Texas Ratio: 0.34%
593 Russell Pkwy, Warner Robins, GA, 31088
USED AUTOS (1-3 YEARS OLD)
3.75%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 10, 2026
Details
As Low As
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
UpdatedMay 2, 2026
Details
As Low As
MemberSource Credit Union
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
Interest Rate0.00%
Term37 - 48 Months
UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
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
UpdatedMay 6, 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 - 2022 & Newer
3.86%
49 - 60 Months
▼
Interest Rate0.00%
Term49 - 60 Months
UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
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
UpdatedMay 6, 2026
Details
As Low As
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
UpdatedMay 7, 2026
Details
As Low As
MemberSource Credit Union
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
Interest Rate0.00%
Term61 - 72 Months
UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
Interest Rate0.00%
Term0-36
UpdatedMay 10, 2026
Details
As Low As
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
UpdatedMay 7, 2026
Details
No additional details provided.
IBEW Local 66 Federal Credit Union
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
Interest Rate0.00%
Term37-60
UpdatedMay 7, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 7, 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
3.95%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMay 10, 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 - 2025 & Newer
3.98%
73 - 84 Months
▼
Interest Rate0.00%
Term73 - 84 Months
UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Quincy Credit Union
A+5.0 ★ Texas Ratio: 4.37%
100 Quincy Ave, Quincy, MA, 02169 6714
Pre-Owned Auto Loans
3.99%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
Credit Union of Georgia Credit Union
A+5.0 ★ Texas Ratio: 5.89%
3048 Eagle Dr, Woodstock, GA, 30189 5531
Used Vehicle Loans
3.99%
0-36
▼
Interest Rate0.00%
Term0-36
UpdatedMay 2, 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 2021 to 2025 Models
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 2, 2026
Details
No additional details provided.
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
▼
Interest Rate0.00%
Term36-60
UpdatedMay 2, 2026
Details
As Low As
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
UpdatedMay 2, 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
UpdatedMay 6, 2026
Details
18 - 19
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
UpdatedMay 6, 2026
Details
As Low As
Chelsea Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 3.35%
311 Chestnut St, Chelsea, MA, 02150
Used Autos 2025 - 2026
3.99%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMay 6, 2026
Details
90% Financing
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
UpdatedMay 6, 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
UpdatedMay 6, 2026
Details
As Low As
Hoboken School Employees Federal Credit Union
A+5.0 ★ Texas Ratio: 1.61%
522 ADAMS ST, HOBOKEN, NJ, 07030 2002
Auto Loans -- New or Used Under 3 years
3.99%
3 Months
▼
Interest Rate0.00%
Term3 Months
UpdatedMay 6, 2026
Details
No additional details provided.
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
UpdatedMay 6, 2026
Details
As Low As; No Payments for up to 90 Days
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
UpdatedMay 6, 2026
Details
As Low As
Members Choice WV Federal Credit Union
A+5.0 ★ Texas Ratio: 2.17%
201 Ohio Ave, Charleston, WV, 25302 2209
New & Used Auto
3.99%
0-39 months
▼
Interest Rate0.00%
Term0-39 months
UpdatedMay 6, 2026
Details
As Low As; Models 2024 -2026 New or Used
Chessie Federal Credit Union
A+5.0 ★ Texas Ratio: 5.80%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) Auto 0-48 months (up to 110%)
3.99%
48 month
▼
Interest Rate0.00%
Term48 month
UpdatedMay 6, 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
3.99%
1-24
▼
Interest Rate0.00%
Term1-24
UpdatedMay 6, 2026
Details
No additional details provided.
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%
Up to 84 Months
▼
Interest Rate0.00%
TermUp to 84 Months
UpdatedMay 6, 2026
Details
No additional details provided.
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
UpdatedMay 6, 2026
Details
As Low As
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
UpdatedMay 7, 2026
Details
No additional details provided.
Citymark Federal Credit Union
A+5.0 ★ Texas Ratio: 1.80%
40 E Market St, Wilkes Barre, PA, 18711
Used Car
3.99%
96 Months
▼
Interest Rate0.00%
Term96 Months
UpdatedMay 7, 2026
Details
As Low As; (based on credit score)
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
UpdatedMay 7, 2026
Details
As Low As; Model Year: 2023-2027
Mountain Laurel Federal Credit Union
A+5.0 ★ Texas Ratio: 0.36%
413 S Michael St, Saint Marys, PA, 15857
Used Vehicle (2018 - 2025)
3.99%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMay 7, 2026
Details
As Low As
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
UpdatedMay 7, 2026
Details
As Low As; 2020-2025
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
UpdatedMay 7, 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
UpdatedMay 7, 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%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 7, 2026
Details
As Low As; special*
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
UpdatedMay 7, 2026
Details
As Low As
TruService Community Federal Credit Union
A+5.0 ★ Texas Ratio: 4.69%
11001 Hermitage Rd, LIttle Rock, AR, 72211
New and Used Vehicles
3.99%
24 - 75
▼
Interest Rate0.00%
Term24 - 75
UpdatedMay 7, 2026
Details
No additional details provided.
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
UpdatedMay 7, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
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
UpdatedMay 7, 2026
Details
As Low As
Memphis City Employees Credit Union
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 60 Months
3.99%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 10, 2026
Details
Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.
Associated Healthcare Credit Union
A+5.0 ★ Texas Ratio: 2.30%
360 Sherman St, Saint Paul, MN, 55102
Used Auto Loans (2024-2018)
3.99%
Up to 12 Months
▼
Interest Rate0.00%
TermUp to 12 Months
UpdatedMay 10, 2026
Details
As Low As
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
UpdatedMay 10, 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
UpdatedMay 10, 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
UpdatedMay 10, 2026
Details
As Low As
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
UpdatedMay 10, 2026
Details
No additional details provided.
Aeroquip Credit Union
A+5.0 ★ Texas Ratio: 2.13%
6000 28th St SE, Grand Rapids, MI, 49546
New/Used Auto
3.99%
0-36 Months
▼
Interest Rate0.00%
Term0-36 Months
UpdatedMay 10, 2026
Details
No additional details provided.
Credit Union Of Atlanta Credit Union
A5.0 ★ Texas Ratio: 7.29%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles
3.99%
12-24
▼
Interest Rate0.00%
Term12-24
UpdatedMay 10, 2026
Details
As Low As; Age of Vehicle: 2016- Present
Credit Union Of Atlanta Credit Union
A5.0 ★ Texas Ratio: 7.29%
670 Metropolitan Pkwy SW, Atlanta, GA, 30310
Used Vehicles 2016- Present
3.99%
12-24
▼
Interest Rate0.00%
Term12-24
UpdatedMay 10, 2026
Details
As Low As; months
ORLEX Government Employees Credit Union
A5.0 ★ Texas Ratio: 11.17%
5043 US Route 5, Newport, VT, 05855 4543
Autos Loans Used
4.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedApr 19, 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 - 63 Months
▼
Interest Rate0.00%
Term36 Months - 63 Months
UpdatedMay 2, 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~
UpdatedMay 2, 2026
Details
Tesla financing requires 20% equity
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
UpdatedMay 2, 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
4.00%
60 months
▼
Interest Rate0.00%
Term60 months
UpdatedMay 2, 2026
Details
No additional details provided.
PAHO WHO
A+5.0 ★ Texas Ratio: 4.20%
2112 F St NW, Washington, DC, 20037
New or Used Vehicle Loans
4.00%
36 months
▼
Interest Rate0.00%
Term36 months
UpdatedMay 2, 2026
Details
No additional details provided.
SOUTHERNMOST
A+5.0 ★ Texas Ratio: 0.45%
1004 Kennedy Dr, Key West, FL, 33040 4019
Used Automobile
4.00%
37-48
▼
Interest Rate0.00%
Term37-48
UpdatedMay 2, 2026
Details
No additional details provided.
FEDMONT
A+5.0 ★ Texas Ratio: 2.03%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
4.00%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 2, 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
UpdatedMay 6, 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
4.00%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMay 6, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Shell Western States Federal Credit Union
A+5.0 ★ Texas Ratio: 3.52%
1700 Pacheco Blvd, Martinez, CA, 94553 1976
Used Auto
4.00%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMay 6, 2026
Details
As Low As; Terms up to 72 months available.**
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
4.00%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 6, 2026
Details
As Low As; All Years**
Cadets Federal Credit Union
A5.0 ★ Texas Ratio: 9.09%
927 Grant St, Buffalo, NY, 14207 2820
Used Autos (2015-2025)
4.00%
36 Month
▼
Interest Rate0.00%
Term36 Month
UpdatedMay 6, 2026
Details
No additional details provided.
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
UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
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
UpdatedMay 6, 2026
Details
As Low As
edU Federal Credit Union
A5.0 ★ Texas Ratio: 8.99%
113 W 6th St, Historic New Castle, DE, 19720 5070
Used Vehicle
4.00%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMay 6, 2026
Details
Amount Financed: 100% NADA Retail Value
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
UpdatedMay 6, 2026
Details
As Low As
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
UpdatedMay 7, 2026
Details
From 81% to 100% LTV Ratio
Walton County Teachers Federal Credit Union
A5.0 ★ Texas Ratio: 6.09%
WALTON COUNTY TEACHERS FCU, DEFUNIAK SPRINGS, FL, 32433 1416
New or Used Auto Up to 10 years old
4.00%
66 Months
▼
Interest Rate0.00%
Term66 Months
UpdatedMay 7, 2026
Details
As Low As
YTR Community Federal Credit Union
A+5.0 ★ Texas Ratio: 0.85%
134 3rd St, Tiltonsville, OH, 43963
Used Auto (2021-2020)
4.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 7, 2026
Details
A+ 720-749
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
4.00%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 7, 2026
Details
As Low As
Utility District Credit Union
A+5.0 ★ Texas Ratio: 0.69%
375 11th St STE 203, Oakland, CA, 94607
Used Auto Loans
4.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 10, 2026
Details
As Low As
Chicago Firefighters Credit Union
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.00%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMay 10, 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 B 625-699
4.00%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 10, 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
4.00%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 10, 2026
Details
As Low As
Congressional Federal Credit Union
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Congressional Federal Car Buying Service powered by TrueCarUsed Car
4.04%
Up to 36 months
▼
Interest Rate0.00%
TermUp to 36 months
UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Congressional Federal Credit Union
A5.0 ★ Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA, 22124
Used Car
4.04%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 6, 2026
Details
As Low As; - Minimum of $1,000 loan
Carpenters Federal Credit Union
A+5.0 ★ Texas Ratio: 1.83%
720 Olive St, Saint Paul, MN, 55130 4405
2022 - 2026 New & Used Vehicles
4.04%
36 months
▼
Interest Rate0.00%
Term36 months
UpdatedMay 10, 2026
Details
No additional details provided.
PrimeWay Federal Credit Union
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
St Anthony Of Padua Federal Credit Union
A+5.0 ★ Texas Ratio: 5.41%
806 Bedford St, Fall River, MA, 02723
Used Auto Loans - with 15% down
4.10%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedMay 6, 2026
Details
As Low As
Ontario Shores Federal Credit Union
A+5.0 ★ Texas Ratio: 4.23%
2890 Transit Rd, Newfane, NY, 14108 9740
New/Used Auto
4.10%
60 Months
▼
Interest Rate0.00%
Term60 Months
UpdatedMay 7, 2026
Details
As Low As
Education 1st Credit Union
A+5.0 ★ Texas Ratio: 1.13%
1250 Country Hills Dr, Ogden, UT, 84403 2560
New or Used Auto
4.10%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 10, 2026
Details
No additional details provided.
Mesquite Credit Union
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
Interest Rate0.00%
TermUp to 72 Months
UpdatedMay 10, 2026
Details
As Low As
Texas Bay Credit Union
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
Interest Rate0.00%
Term49-60
UpdatedMay 10, 2026
Details
As Low As
PennTech Employees Federal Credit Union
A5.0 ★ Texas Ratio: 7.25%
409 Center St Ste C, Johnsonburg, PA, 15845 1307
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
Interest Rate0.00%
Term3 Months
UpdatedMay 7, 2026
Details
As Low As; 3 YEAR REPAY
Delta Schools Federal Credit Union
A+5.0 ★ Texas Ratio: 0.35%
701 W 18th St, Antioch, CA, 94509 1586
Used Vehicles Model Year 2020-2024
4.19%
36 Months
▼
Interest Rate4.19%
Term36 Months
UpdatedMay 7, 2026
Details
No additional details provided.
CDC Federal Credit Union
A+5.0 ★ Texas Ratio: 4.26%
4770 Buford Hwy, Chamblee, GA, 30341
Used Auto
4.20%
0-24 Months
▼
Interest Rate0.00%
Term0-24 Months
UpdatedMay 6, 2026
Details
No additional details provided.
PWC Employees Credit Union
A+5.0 ★ Texas Ratio: 3.92%
8959 Center St, Manassas, VA, 20110 5403
*New/Used Vehicle
4.20%
12 - 96
▼
Interest Rate0.00%
Term12 - 96
UpdatedMay 10, 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
4.24%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedApr 19, 2026
Details
As Low As; APR with Auto Pay
City of Boston Credit Union
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
New and Used Vehicle Loan
4.24%
48 Months
▼
Interest Rate0.00%
Term48 Months
UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000; Model Years 2025-2026
City of Boston Credit Union
A-5.0 ★ Texas Ratio: 14.75%
455 W Broadway, South Boston, MA, 02127 2218
Used Vehicle Loan (Model Years 2022-2024)
4.24%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedApr 19, 2026
Details
As Low As; Maximum borrowed $150,000
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)
4.24%
Up to 36 Months
▼
Interest Rate0.00%
TermUp to 36 Months
UpdatedMay 2, 2026
Details
As Low As
Tower Federal Credit Union
A+5.0 ★ Texas Ratio: 1.36%
7901 Sandy Spring Rd, Laurel, MD, 20707
Used Cars and Trucks
4.24%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 2, 2026
Details
As Low As
Arkansas Best Federal Credit Union
A+5.0 ★ Texas Ratio: 1.31%
3501 Old Greenwood Rd, Fort Smith, AR, 72903
New and Used Autos
4.24%
36 Months
▼
Interest Rate0.00%
Term36 Months
UpdatedMay 2, 2026
Details
No additional details provided.
Sky Federal Credit Union
B4.6 ★ Texas Ratio: 20.02%
777 E Main St Ste 102, Bozeman, MT, 59715
Vehicle Loans - USED
4.24%
84 Months
▼
Interest Rate0.00%
Term84 Months
UpdatedMay 6, 2026
Details
As Low As
Southwest Montana Community Federal Credit Union
A+5.0 ★ Texas Ratio: 5.75%
1035 W Park Ave, Anaconda, MT, 59711
Used Vehicles (2021-2023)
4.24%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMay 6, 2026
Details
As Low As
Chessie Federal Credit Union
A+5.0 ★ Texas Ratio: 5.80%
122 W Union St, Cumberland, MD, 21502
New/Used Auto (2024-NEWER) 49-60 months (up to 110%)
4.24%
60 months
▼
Interest Rate0.00%
Term60 months
UpdatedMay 6, 2026
Details
As Low As
WEPCO Federal Credit Union
A+5.0 ★ Texas Ratio: 3.70%
12511 Winchester Rd SW, LaVale, MD, 21502
New or Used Vehicle Loans
4.24%
73-84 Months
▼
Interest Rate0.00%
Term73-84 Months
UpdatedMay 6, 2026
Details
As Low As; Minimum Financing of $25,000 for 84 Months
Erie Police Federal Credit Union
A+5.0 ★ Texas Ratio: 0.00%
300 State St Ste 303, Erie, PA, 16507
New & Used Car 2027-2024 Model Year
4.24%
24 Months
▼
Interest Rate0.00%
Term24 Months
UpdatedMay 6, 2026
Details
No additional details provided.
Regional Federal Credit Union
A+5.0 ★ Texas Ratio: 4.39%
7144 Kennedy Ave, Hammond, IN, 46323 2225
New and Used Auto Loans
4.24%
72 Months
▼
Interest Rate0.00%
Term72 Months
UpdatedMay 7, 2026
Details
As Low As; Model Year: 2023-2027
Powered byMonitorBankRates
Used Auto Loan Rate Trends
Daily national average APRs for used vehicle financing
Auto loan rate data from our database of 8,500+ banks and credit unions — updated daily.
Used Auto Loan — National Avg APR
6.476%
▲ 0.124 vs 7 days ago
Used Auto Loan rates rose 0.124 points over the past 7 days to 6.476% APR, up from 6.351% last week.
As of May 12, 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
- Richmond Heritage Federal Credit Union: 2.49% APR (New and Used Vehicles)
- WEPCO Federal Credit Union: 2.49% APR (New or Used Vehicle Loans)
- TONGASS: 2.50% APR (New & Used Auto Loans)
- Ohio County Public Schools Federal Credit Union: 2.50% APR (Used Vehicle - Model Year Already Titled - 1999)
- CDC Federal Credit Union: 2.70% APR (Used Auto)
Rates reflect verified offers. Final rate depends on credit profile. Last Updated: May 6, 2026
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