Auto Loan Rates in Centre, Alabama (AL) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Centre, Alabama include Guardian Credit Union Montgomery, ALGuardian Credit Union Montgomery, ALA5.0 ★Texas Ratio: 10.26% offering New & Used Autos, Truck, Vans at 2.95%, Alabama State Employees Credit UnionAlabama State Employees Credit UnionA+5.0 ★Texas Ratio: 1.31% offering Auto Loans at 2.99%, FEDMONTFEDMONTA+5.0 ★Texas Ratio: 0.32% offering New Car and Truck Loans at 3.25%, Electrical Federal Credit UnionElectrical Federal Credit UnionA+5.0 ★Texas Ratio: 1.68% offering Auto Loan at 3.49%, New Horizons Credit UnionNew Horizons Credit UnionA+5.0 ★Texas Ratio: 1.07% offering New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles) at 3.49%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Centre borrowers have access to 36 lenders serving the Alabama area, with auto loan rates as low as 2.95% APR from Guardian Credit Union Montgomery, AL. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Centre, Alabama. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Centre, Alabama & Surrounding Area
Centre Auto Loan Rates
As low as
As Low As; *
100% Financing
As Low As; with Relationship Pricing
As Low As
NADA Retail Value Maximum
As Low As; Model Year: 2026 - 2023
As Low As; Minimum loan amount $65,000; No 90-day option; Max LTV 110% financing
As Low As
Rates quoted are best available and subject to change. Loan rates may vary depending on credit scoring. All loans subject to credit approval. Additional terms may apply.
As Low As
APR* As Low As
As Low As
As Low As; Model Year: 2022 - 2019
Financing $20,000 or more
Current & prior 2 model years
As Low As; Current year + 2 previous years
As Low As
As low as; Monthly payment of $22.80 per $1,000.00 borrowed; 2024 - 2026
As Low As; Model Year: 2026 - 2023
As Low As; Current or up to 2 yrs. old
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
As Low As; Current or up to 2 yrs. old
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
As Low As; 2023-2018
As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; 5.74%
Current & prior 2 model years
As Low As
As low as; Monthly payment of $17.97 per $1,000.00 borrowed; 2024 - 2026
Current or Prior Year - less than 10,000 miles
As Low As; 2023-2018
As Low As; Current or up to 2 yrs. old
As Low As
As Low As
As low as; Monthly payment of $18.03. per $1,000.00 borrowed; 2022 - 2023
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.
Annual Percentage Rate (APR) as low as
PenAir Rate; $1,130 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
APR* As Low As
As Low As
As Low As; Model Year: 2018 and older
Financing $30,000 or more
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
3 model years & older, 60 month max term
As Low As; Model Year: 2026 - 2023
As Low As
As Low As
APR* As Low As
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
As Low As; 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. 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.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
As Low As; Estimated payment per $1000: $17.48
As Low As
As Low As
Current & prior 2 model years, $20K or greater loan amount
NJ vehicles only.
As low as; Monthly payment of $15.67 per $1,000.00 borrowed; 2024 - 2026
As Low As; Rate is dependent on credit worthiness.
As Low As
Current or Prior Year - less than 10,000 miles
As Low As
As Low As; Current or up to 2 yrs. old
As Low As
As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
NJ vehicles only.
As Low As
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; Model Year: 2026 - 2023
As Low As; 2023-2018
As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As low as; Monthly payment of $15.90 per $1,000.00 borrowed; 2022 - 2023
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.
Annual Percentage Rate (APR) as low as
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
NJ vehicles only.
As Low As
As Low As
As Low As
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; Model Year: 2026 - 2023
As Low As; APR* as low as
As Low As; APR* as low as
As Low As; Estimated payment per $1000: $16.05
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
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.
Annual Percentage Rate (APR) as low as
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As
NJ vehicles only.
As Low As; Ask about our Auto Loan rate match program!
As Low As; Ask about our Auto Loan rate match
As low as; Monthly payment of $14.73 per $1,000.00 borrowed; 2024 - 2026
Current or Prior Year - less than 10,000 miles
As Low As; Current or up to 2 yrs. old
As Low As; 2023-2018
As Low As
As Low As; 6.99%
As Low As; Ask about our Auto Loan rate match
As low as; Monthly payment of $18.78 per $1,000.00 borrowed; 2017 - 2019
As Low As; Model Year: 2022 - 2019
As Low As; APR* as low as
As Low As; APR* as low as
As Low As
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; Ask about our Auto Loan rate match
As low as; Monthly payment of $14.97 per $1,000.00 borrowed; 2022 - 2023
Model Years 2025 - 2026
NJ vehicles only.
As Low As; Estimated payment per $1000: $15.02
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.
Annual Percentage Rate (APR) as low as
NJ vehicles only.
NJ vehicles only.
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Centre New Auto Auto Loan Rates
As low as
100% Financing
As Low As
As Low As; Minimum loan amount $65,000; No 90-day option; Max LTV 110% financing
As Low As
APR* As Low As
As Low As
Financing $20,000 or more
Current & prior 2 model years
As Low As; Current year + 2 previous years
As Low As
As Low As; Current or up to 2 yrs. old
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
All rates are subject to change without notice. Your actual rate, payment, and costs could be higher. APR (Annual Percentage Rate). A lower credit score may cause a higher loan rate. Your APR is based on credit worthiness, loan amount, current mileage, term of the loan and loan to value.
As Low As; Current or up to 2 yrs. old
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
As Low As; 2023-2018
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; 5.74%
Current & prior 2 model years
Current or Prior Year - less than 10,000 miles
As Low As; 2023-2018
As Low As; Current or up to 2 yrs. old
As Low As
Annual Percentage Rate (APR) as low as
PenAir Rate; $1,130 is the difference between the amount paid in interest between PenAir Credit Union's rate at 4.99% APR compared to 6.35% APR for the National market average over the life of a $30,000 auto loan over 60 months.
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
APR* As Low As
As Low As
Financing $30,000 or more
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
APR* As Low As
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
As Low As
Current & prior 2 model years, $20K or greater loan amount
NJ vehicles only.
As Low As; Rate is dependent on credit worthiness.
As Low As
Current or Prior Year - less than 10,000 miles
As Low As; Current or up to 2 yrs. old
As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; 2023-2018
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As; Ask about our Auto Loan rate match program!
As Low As
Annual Percentage Rate (APR) as low as
As Low As
As Low As
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As
As Low As; Ask about our Auto Loan rate match program!
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Annual Percentage Rate (APR) as low as
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
NJ vehicles only.
As Low As; Ask about our Auto Loan rate match program!
Current or Prior Year - less than 10,000 miles
As Low As; Current or up to 2 yrs. old
As Low As; 2023-2018
As Low As
Model Years 2025 - 2026
Annual Percentage Rate (APR) as low as
NJ vehicles only.
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Centre Used Auto Auto Loan Rates
As low as
NADA Retail Value Maximum
As Low As
Financing $20,000 or more
Current & prior 2 model years
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
As Low As; 2023-2018
As Low As
Current & prior 2 model years
As Low As
As Low As; 2023-2018
As Low As
As Low As
As Low As
Annual Percentage Rate (APR) as low as
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
Financing $30,000 or more
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
3 model years & older, 60 month max term
As Low As
As Low As
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
As Low As; Estimated payment per $1000: $17.48
As Low As
As Low As
Current & prior 2 model years, $20K or greater loan amount
As Low As; Rate is dependent on credit worthiness.
As Low As
As Low As
As Low As
As Low As
NJ vehicles only.
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; 2023-2018
As Low As
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
As Low As
As Low As
Annual Percentage Rate (APR) as low as
Rates vary based on the evaluation of an applicant's credit and the loan term. All loans are subject to approval. Additional terms, conditions, and restrictions may apply. Rates are subject to change without notice. Call toll-free 877.4PENAIR for more information.
As Low As
NJ vehicles only.
As Low As
As Low As
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As; APR* as low as
As Low As; APR* as low as
As Low As; Estimated payment per $1000: $16.05
As Low As; 2026, 2025, 2024 (Mileage less than 30k)
Annual Percentage Rate (APR) as low as
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As
As Low As; Ask about our Auto Loan rate match
As Low As; 2023-2018
As Low As; 6.99%
As Low As; Ask about our Auto Loan rate match
As Low As; APR* as low as
As Low As; APR* as low as
As Low As
Your rate will be based on your credit score and the loan-to-value ratio of your collateral and may be higher. APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
As Low As; Ask about our Auto Loan rate match
NJ vehicles only.
As Low As; Estimated payment per $1000: $15.02
Annual Percentage Rate (APR) as low as
NJ vehicles only.
APR refers to ANNUAL PERCENTAGE RATE. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Offer good with approved credit for loans new to All In CU.
Centre, AL Auto Loan Rate Trends
Compare local Centre, AL 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.
Alabama new auto rates rose 0.090 points over the past 7 days to 5.352% APR.
Alabama used auto rates rose 0.066 points over the past 7 days to 6.301% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Centre, 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 Centre, 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 Centre, 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 Centre, Alabama
How does my credit score affect my car loan rate in Alabama?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Centre, Alabama?
- Guardian Credit Union Montgomery, AL: 2.95% (New & Used Autos, Truck, Vans)
- Alabama State Employees Credit Union: 2.99% (Auto Loans)
- FEDMONT: 3.25% (New Car and Truck Loans)
- Electrical Federal Credit Union: 3.49% (Auto Loan)
- New Horizons Credit Union: 3.49% (New Eco-Friendly Autos (2026, 2025 w/less than 15,000 miles))
