Auto Loan Rates in Alabama (AL) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Alabama. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Alabama include Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, AL1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601A5.0 ★Texas Ratio: 10.26% offering New & Used Autos, Truck, Vans at 2.95%, Alabama State Employees Credit UnionAlabama State Employees Credit Union1000 Interstate Park Dr, Montgomery, AL, 36109A+5.0 ★Texas Ratio: 1.31% offering Auto Loans at 2.99%, Electrical Federal Credit UnionElectrical Federal Credit Union22 Inverness Center Pkwy, Hoover, AL, 35242 4814A+5.0 ★Texas Ratio: 1.68% offering New/Used Auto Refinance at 2.99%, Montgomery VA Federal Credit UnionMontgomery VA Federal Credit Union345 PERRY HILL RD, MONTGOMERY, AL, 36109A5.0 ★Texas Ratio: 7.22% offering New and Used Auto at 3.25%, FEDMONTFEDMONT330 Eastdale Cir, Montgomery, AL, 36117A+5.0 ★Texas Ratio: 0.32% offering New Car and Truck Loans at 3.25%. Auto loan rates as of June 3, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Alabama side-by-side. Alabama auto loan rates currently start as low as 2.95% APR from Guardian Credit Union Montgomery, AL at 1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Alabama. Auto Loan Rates Last Updated and Verified: June 3, 2026
Compare Auto Loan Rates Today in Alabama
Alabama Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
2.95%
Up to 102 months
▼
APR2.95%
TermUp to 102 months
Last UpdatedJun 3, 2026
Details
As low as
Alabama State Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
1000 Interstate Park Dr, Montgomery, AL, 36109
Auto Loans
2.99%
up to 84 Months
▼
APR2.99%
Termup to 84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
3.24%
48 Months
▼
APR3.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.25%
36 mo
▼
APR3.25%
Term36 mo
Last UpdatedJun 1, 2026
Details
100% Financing
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL, 36609 1530
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
Auto Loan
3.49%
60 Months
▼
APR3.49%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
3.49%
Up to 24
▼
APR3.49%
TermUp to 24
Last UpdatedMay 29, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.50%
48 mo
▼
APR3.50%
Term48 mo
Last UpdatedJun 1, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.50%
36 mo
▼
APR3.50%
Term36 mo
Last UpdatedJun 1, 2026
Details
NADA Retail Value Maximum
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.75%
60 mo
▼
APR3.75%
Term60 mo
Last UpdatedJun 1, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.75%
48 mo
▼
APR3.75%
Term48 mo
Last UpdatedJun 1, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto
3.89%
36 mo.
▼
APR3.89%
Term36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
3.89%
Up to 36 mo.
▼
APR3.89%
TermUp to 36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
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
▼
APR3.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL, 36609 1530
New Autos (2026, 2025 w/less than 15,000 miles)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2024-2020)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
4.00%
72 mo
▼
APR4.00%
Term72 mo
Last UpdatedJun 1, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
4.00%
60 mo
▼
APR4.00%
Term60 mo
Last UpdatedJun 1, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1175 Hillcrest Rd, Mobile, AL, 36695
New Auto (Current and prior year)
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedMay 18, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
4.39%
Up to 48 mo.
▼
APR4.39%
TermUp to 48 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto (2-6 years old)
4.39%
36 mo.
▼
APR4.39%
Term36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
4.39%
Up to 36 mo.
▼
APR4.39%
TermUp to 36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer) Loan
4.49%
24 to 84 months
▼
APR4.49%
Term24 to 84 months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedMay 23, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
1731 Noble St, Anniston, AL, 36201
New Auto Loan (2025 or Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; Current year + 2 previous years
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
750 17th St N, Birmingham, AL, 35203
NEW AUTO
4.60%
63 Months
▼
APR4.60%
Term63 Months
Last UpdatedMay 18, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
201 S Main St, Atmore, AL, 36502 2447
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 20, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 5.74%
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto 2026-2021
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedMay 23, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
1731 Noble St, Anniston, AL, 36201
New Auto Loan (2025 or Newer)
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027) - New Purchase Rate Only
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
New Car Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 31, 2026
Details
Current or Prior Year - less than 10,000 miles
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 20, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
4.89%
Up to 60 mo.
▼
APR4.89%
TermUp to 60 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
4.89%
Up to 48 mo.
▼
APR4.89%
TermUp to 48 mo.
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026 Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027) - New Purchase Rate Only
4.95%
61 Months
▼
APR4.95%
Term61 Months
Last UpdatedMay 23, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 18, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1175 Hillcrest Rd, Mobile, AL, 36695
Used Auto (2-6 Model Year)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 18, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 23, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
New Purchase Rate Only
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 1, 2026
Details
As Low As
United Bank (AL)
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
200 E Nashville Ave, Atmore, AL, 36502
Auto Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJun 3, 2026
Details
As Low As; Special Rate
Railroad Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
Used car / truck purchase (3 model years & older), 60 month max term.
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 20, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
1731 Noble St, Anniston, AL, 36201
New Auto Loan (2025 or Newer)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
Used Car Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMay 20, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
701 2nd Ave, Opelika, AL, 36801
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJun 3, 2026
Details
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
201 S Main St, Atmore, AL, 36502 2447
Auto Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
Used Automobiles (2021 - 2024)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026 Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - Used (4 year old and older)
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
5.25%
61 Months
▼
APR5.25%
Term61 Months
Last UpdatedMay 23, 2026
Details
New Purchase Rate Only
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
New Car Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 31, 2026
Details
Current or Prior Year - less than 10,000 miles
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026 Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
5.39%
Up to 72 mo.
▼
APR5.39%
TermUp to 72 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
5.39%
Up to 60 mo.
▼
APR5.39%
TermUp to 60 mo.
Last UpdatedMay 22, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - Used (4 year old and older)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 20, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMay 18, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Regular APR: 15.99%
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer) Loan
5.49%
24 to 84 months
▼
APR5.49%
Term24 to 84 months
Last UpdatedMay 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 1, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedMay 23, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
5.50%
75 Months
▼
APR5.50%
Term75 Months
Last UpdatedMay 23, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027) - New Purchase Rate Only
5.50%
73 Months
▼
APR5.50%
Term73 Months
Last UpdatedMay 23, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
Used Car Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Auto Loan
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Vehicle Loan
5.70%
24 Months
▼
APR5.70%
Term24 Months
Last UpdatedMay 22, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
201 S Main St, Atmore, AL, 36502 2447
Auto Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - Used (4 year old and older)
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
5.75%
73 Months
▼
APR5.75%
Term73 Months
Last UpdatedMay 23, 2026
Details
New Purchase Rate Only
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
5.89%
Up to 84 mo.
▼
APR5.89%
TermUp to 84 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
5.89%
Up to 72 mo.
▼
APR5.89%
TermUp to 72 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Auto Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Vehicle Loan
5.95%
48 Months
▼
APR5.95%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027) - New Purchase Rate Only
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 23, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 18, 2026
Details
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
201 S Main St, Atmore, AL, 36502 2447
Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 20, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.99%
84 Months2
▼
APR5.99%
Term84 Months2
Last UpdatedMay 23, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2019-2015)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
Used Cars, Trucks, Vans (2015-2021) Loan
5.99%
24 to 84 months
▼
APR5.99%
Term24 to 84 months
Last UpdatedMay 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJun 1, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
6.00%
6 Years
▼
APR6.00%
Term6 Years
Last UpdatedMay 23, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Used Automobile (3 Years - 9 Years Old)
6.00%
4 Years
▼
APR6.00%
Term4 Years
Last UpdatedMay 23, 2026
Details
Alabama Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
3601 4th Ave S, Birmingham, AL, 35222
Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
Used Car Loan
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
Used Automobiles (2021 - 2024)
6.04%
75 Months
▼
APR6.04%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
6.10%
84 months
▼
APR6.10%
Term84 months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedMay 20, 2026
Details
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Auto Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
MTC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
3792 Mance Newton Rd Ste 2, Midland City, AL, 36350
Vehicle Loan
6.20%
60 Months
▼
APR6.20%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Loan rates are based upon applicant's credit worthiness and may vary from those shown above. Contact a loan officer for complete details. Rates subject to change. Please call for quote. Additional discounts may be available.
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1175 Hillcrest Rd, Mobile, AL, 36695
Older Used Auto (7-14 Model Year)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedMay 18, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Other (RV, Older Vehicles, ATV, etc.) Loan
6.24%
up to 60 Mos.
▼
APR6.24%
Termup to 60 Mos.
Last UpdatedMay 22, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedJun 1, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
Used Autos (2020 & older)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedJun 1, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
New Car Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 31, 2026
Details
Current or Prior Year - less than 10,000 miles
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Classic Auto Loans
6.39%
Up to 36 mo.
▼
APR6.39%
TermUp to 36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
6.39%
Up to 84 mo.
▼
APR6.39%
TermUp to 84 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
6.40%
84 Months
▼
APR6.40%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
6.40%
84 Months
▼
APR6.40%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 3 years old)
6.49%
3 Years
▼
APR6.49%
Term3 Years
Last UpdatedMay 18, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
autos over five years old
6.49%
60 Months
▼
APR6.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
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MonitorBankRates
Alabama New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
2.95%
Up to 102 months
▼
APR2.95%
TermUp to 102 months
Last UpdatedJun 3, 2026
Details
As low as
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
3.24%
48 Months
▼
APR3.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.25%
36 mo
▼
APR3.25%
Term36 mo
Last UpdatedJun 1, 2026
Details
100% Financing
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL, 36609 1530
New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles)
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
3.49%
Up to 24
▼
APR3.49%
TermUp to 24
Last UpdatedMay 29, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.50%
48 mo
▼
APR3.50%
Term48 mo
Last UpdatedJun 1, 2026
Details
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
3.75%
60 mo
▼
APR3.75%
Term60 mo
Last UpdatedJun 1, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto
3.89%
36 mo.
▼
APR3.89%
Term36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
3.89%
Up to 36 mo.
▼
APR3.89%
TermUp to 36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
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
▼
APR3.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL, 36609 1530
New Autos (2026, 2025 w/less than 15,000 miles)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
New Car and Truck Loans
4.00%
72 mo
▼
APR4.00%
Term72 mo
Last UpdatedJun 1, 2026
Details
Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1175 Hillcrest Rd, Mobile, AL, 36695
New Auto (Current and prior year)
4.24%
36 months
▼
APR4.24%
Term36 months
Last UpdatedMay 18, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
4.39%
Up to 48 mo.
▼
APR4.39%
TermUp to 48 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer) Loan
4.49%
24 to 84 months
▼
APR4.49%
Term24 to 84 months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedMay 23, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
1731 Noble St, Anniston, AL, 36201
New Auto Loan (2025 or Newer)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Gulf Coast Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.95%
1001 Spring Hill Ave, Mobile, AL, 36604 2713
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; Current year + 2 previous years
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
750 17th St N, Birmingham, AL, 35203
NEW AUTO
4.60%
63 Months
▼
APR4.60%
Term63 Months
Last UpdatedMay 18, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.60%
48 Months
▼
APR4.60%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedMay 20, 2026
Details
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 5.74%
Riverfall Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
2520 6th St, Tuscaloosa, AL, 35401 1702
New Auto 2026-2021
4.74%
84 Months
▼
APR4.74%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedMay 23, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
1731 Noble St, Anniston, AL, 36201
New Auto Loan (2025 or Newer)
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027) - New Purchase Rate Only
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
New Car Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 31, 2026
Details
Current or Prior Year - less than 10,000 miles
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
4.80%
60 Months
▼
APR4.80%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 20, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
4.89%
Up to 60 mo.
▼
APR4.89%
TermUp to 60 mo.
Last UpdatedMay 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027) - New Purchase Rate Only
4.95%
61 Months
▼
APR4.95%
Term61 Months
Last UpdatedMay 23, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMay 18, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 23, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 1, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
Fort Mcclellan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
1731 Noble St, Anniston, AL, 36201
New Auto Loan (2025 or Newer)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
New Car Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 31, 2026
Details
Current or Prior Year - less than 10,000 miles
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 20, 2026
Details
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
5.39%
Up to 72 mo.
▼
APR5.39%
TermUp to 72 mo.
Last UpdatedMay 22, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
5.40%
72 Months
▼
APR5.40%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedMay 18, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
5.49%
75 months
▼
APR5.49%
Term75 months
Last UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
New Cars, Trucks, Vans (2022 and Newer) Loan
5.49%
24 to 84 months
▼
APR5.49%
Term24 to 84 months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 1, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedMay 23, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027) - New Purchase Rate Only
5.50%
73 Months
▼
APR5.50%
Term73 Months
Last UpdatedMay 23, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.50%
1-3 Year
▼
APR5.50%
Term1-3 Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
New Auto/Truck
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
5.75%
4-Year
▼
APR5.75%
Term4-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
New Auto Loans
5.89%
Up to 84 mo.
▼
APR5.89%
TermUp to 84 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
New Vehicle Loans (2025-2027) - New Purchase Rate Only
5.95%
84 Months
▼
APR5.95%
Term84 Months
Last UpdatedMay 23, 2026
Details
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 5 years old)
5.99%
5 Years
▼
APR5.99%
Term5 Years
Last UpdatedMay 18, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJun 1, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
6.00%
6 Years
▼
APR6.00%
Term6 Years
Last UpdatedMay 23, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
6.00%
5-Year
▼
APR6.00%
Term5-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loan
6.10%
84 months
▼
APR6.10%
Term84 months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
New Auto Loans
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedMay 20, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedJun 1, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
New Car Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMay 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto Loan
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
New Auto Loans
6.25%
6-Year
▼
APR6.25%
Term6-Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match program!
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.26%
23210 US Highway 98 Ste B1, Fairhope, AL, 36532
New Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 31, 2026
Details
Current or Prior Year - less than 10,000 miles
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
New Auto
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
6.40%
84 Months
▼
APR6.40%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
6.40%
84 Months
▼
APR6.40%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Champion Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
16601 County Road 150, Courtland, AL, 35618
Autos (New to 3 years old)
6.49%
3 Years
▼
APR6.49%
Term3 Years
Last UpdatedMay 18, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
New Automobiles (2025 and Newer)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 22, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
Powered by
MonitorBankRates
Alabama Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Guardian Credit Union Montgomery, AL
Institution Rating:
A5.0 ★ Texas Ratio: 10.26%
1789 Cong W L Dickinson Dr, Montgomery, AL, 36109 2601
New & Used Autos, Truck, Vans
2.95%
Up to 102 months
▼
APR2.95%
TermUp to 102 months
Last UpdatedJun 3, 2026
Details
As low as
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
3.24%
48 Months
▼
APR3.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Montgomery VA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.22%
345 PERRY HILL RD, MONTGOMERY, AL, 36109
New and Used Auto
3.25%
72 Months
▼
APR3.25%
Term72 Months
Last UpdatedMay 22, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
3.49%
Up to 24
▼
APR3.49%
TermUp to 24
Last UpdatedMay 29, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.50%
36 mo
▼
APR3.50%
Term36 mo
Last UpdatedJun 1, 2026
Details
NADA Retail Value Maximum
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
3.75%
48 mo
▼
APR3.75%
Term48 mo
Last UpdatedJun 1, 2026
Details
Mobile Educators Credit Union
Institution Rating:
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
▼
APR3.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2024-2020)
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
FEDMONT
Institution Rating:
A+5.0 ★ Texas Ratio: 0.32%
330 Eastdale Cir, Montgomery, AL, 36117
Used Cars and Trucks Loans
4.00%
60 mo
▼
APR4.00%
Term60 mo
Last UpdatedJun 1, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto (2-6 years old)
4.39%
36 mo.
▼
APR4.39%
Term36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
4.39%
Up to 36 mo.
▼
APR4.39%
TermUp to 36 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Financing $20,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2023 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedMay 23, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
4.60%
51 Months
▼
APR4.60%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
4.70%
51 Months
▼
APR4.70%
Term51 Months
Last UpdatedMay 29, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
4.70%
63 Months
▼
APR4.70%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.70%
36 Months
▼
APR4.70%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
4.75%
4 Years
▼
APR4.75%
Term4 Years
Last UpdatedMay 23, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
4.80%
63 Months
▼
APR4.80%
Term63 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
4.80%
48 Months
▼
APR4.80%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
4.89%
Up to 48 mo.
▼
APR4.89%
TermUp to 48 mo.
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026 Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1175 Hillcrest Rd, Mobile, AL, 36695
Used Auto (2-6 Model Year)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMay 18, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 20, 2026
Details
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 23, 2026
Details
Financing $30,000 or more
Mobile Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
3150 AIRPORT BLVD, MOBILE, AL, 36606
New and Used Auto Model Year 2021 - Older
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
New Purchase Rate Only
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 1, 2026
Details
As Low As
Railroad Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
1808 2nd Ave S, Irondale, AL, 35210 1512
Used car / truck purchase (3 model years & older), 60 month max term.
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 20, 2026
Details
Lauderdale County Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
103 Mangum St, Florence, AL, 35630 1559
New or Used Car Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; *Must meet credit requirements. *APR = Annual Percentage Rate. Rate is dependent on credit worthiness.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
Used Car Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedMay 20, 2026
Details
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
5.20%
75 Months
▼
APR5.20%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedMay 20, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
Used Automobiles (2021 - 2024)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMay 22, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026 Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Refinance
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - Used (4 year old and older)
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
5.25%
61 Months
▼
APR5.25%
Term61 Months
Last UpdatedMay 23, 2026
Details
New Purchase Rate Only
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
6150 Omni Park Dr, Mobile, AL, 36609 5195
Used Cars & Trucks 2020-2026 Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
5.39%
Up to 60 mo.
▼
APR5.39%
TermUp to 60 mo.
Last UpdatedMay 22, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - Used (4 year old and older)
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedMay 20, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Equity
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Regular APR: 15.99%
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 1, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
5.50%
5 Years
▼
APR5.50%
Term5 Years
Last UpdatedMay 23, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
Used Car Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
5.60%
75 Months
▼
APR5.60%
Term75 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Cottonvalley Dr NW, Huntsville, AL, 35810 6045
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - Used (4 year old and older)
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
AlaTrust Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.02%
1810 Merchants Dr, Hoover, AL, 35244 1005
Used Vehicle Loans (2017-2024)
5.75%
73 Months
▼
APR5.75%
Term73 Months
Last UpdatedMay 23, 2026
Details
New Purchase Rate Only
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
5.89%
Up to 72 mo.
▼
APR5.89%
TermUp to 72 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Pen Air Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
21511 State Highway 59 S, Robertsdale, AL, 36567 6701
Used Auto/Truck
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 20, 2026
Details
Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL, 35233 1612
New & Used Autos
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Older Used Auto (6 Years and Older)
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto (3 to 5 Years Old)
5.99%
84 Months2
▼
APR5.99%
Term84 Months2
Last UpdatedMay 23, 2026
Details
New Horizons Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
622 Azalea Rd, Mobile, AL, 36609 1530
Used Autos (2019-2015)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Tuscaloosa VA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3701 Loop Rd, Tuscaloosa, AL, 35404
Used Cars, Trucks, Vans (2015-2021) Loan
5.99%
24 to 84 months
▼
APR5.99%
Term24 to 84 months
Last UpdatedMay 29, 2026
Details
As Low As
Lakehurst Naval Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.90%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
Used Auto Loan
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; NJ vehicles only.
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJun 1, 2026
Details
As Low As
TVA Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
425 Cox Blvd, Sheffield, AL, 35660
Auto Loans - New & Used (Current year model and 3 previous years)
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
New/Used Automobile (2 Years or Newer)
6.00%
6 Years
▼
APR6.00%
Term6 Years
Last UpdatedMay 23, 2026
Details
Social Security Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
1200 Reverend Abraham Woods Jr Blvd, Birmingham, AL, 35285
Used Automobile (3 Years - 9 Years Old)
6.00%
4 Years
▼
APR6.00%
Term4 Years
Last UpdatedMay 23, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
220 Wynn Dr, Huntsville, AL, 35893
Used Car Loan
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
eCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
105 Frankfurt Cir, Birmingham, AL, 35211 6978
Used Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
1800 Honda Dr, Lincoln, AL, 35096 5105
Used Automobiles (2021 - 2024)
6.04%
75 Months
▼
APR6.04%
Term75 Months
Last UpdatedMay 22, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2026, 2025, 2024 (Mileage less than 30k)
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1175 Hillcrest Rd, Mobile, AL, 36695
Older Used Auto (7-14 Model Year)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedMay 18, 2026
Details
As Low As
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
22 Inverness Center Pkwy, Hoover, AL, 35242 4814
New/Used Auto Purchase
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
New or Used Autos (2021-2027)
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedJun 1, 2026
Details
As Low As
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL, 36322
Used Autos (2020 & older)
6.24%
36 months
▼
APR6.24%
Term36 months
Last UpdatedJun 1, 2026
Details
As Low As
Winsouth Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL, 35904 1935
Used Auto Loans
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
Hotel And Travel Industry Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.21%
2700 Corporate Dr Ste 120, Hoover, AL, 35242 2733
Used Auto Loans
6.25%
1-3 Year
▼
APR6.25%
Term1-3 Year
Last UpdatedMay 29, 2026
Details
As Low As; Ask about our Auto Loan rate match
Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
2540 Old Shell Rd Ste A, Mobile, AL, 36607 3033
Used Auto Loans
6.39%
Up to 84 mo.
▼
APR6.39%
TermUp to 84 mo.
Last UpdatedMay 22, 2026
Details
As Low As
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans
6.40%
84 Months
▼
APR6.40%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; 2023-2018
Coosa Pines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
33710 US Highway 280, Childersburg, AL, 35044 3016
New & Used Auto Loans 2023-2018
6.40%
84 Months
▼
APR6.40%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Garden Island Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
22 Inverness Center Pkwy Ste 400, Hoover, AL, 35242 4879
New Auto and Used Auto (2 Years Old)
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedMay 23, 2026
Details
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MonitorBankRates
Alabama Auto Loan Rate Trends
Compare local Alabama auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — AL Avg
5.260%
▲ 0.006 vs 7 days ago
Alabama new auto rates rose 0.006 points over the past 7 days to 5.260% APR.
Used Auto Loan — AL Avg
6.235%
Unchanged vs 7 days ago
Alabama used auto loan rates currently average 6.235% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Alabama auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Alabama directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Alabama. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Alabama
How does my credit score affect my car loan rate in Alabama?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Alabama with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Alabama *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Alabama typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Alabama?
Based on our current data, some of the lowest auto loan rates available in Alabama include:
- Guardian Credit Union Montgomery, AL: 2.95% (New & Used Autos, Truck, Vans)
- Alabama State Employees Credit Union: 2.99% (Auto Loans)
- Electrical Federal Credit Union: 2.99% (New/Used Auto Refinance)
- Montgomery VA Federal Credit Union: 3.25% (New and Used Auto)
- FEDMONT: 3.25% (New Car and Truck Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Alabama. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 3, 2026
Auto Loan Rates by City in Alabama
Rate Assistant
MonitorBankRates.com · Live Data
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