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Louisiana Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
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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 Louisiana. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Louisiana include Fleur de Lis Federal Credit UnionFleur de Lis Federal Credit Union433 Metairie Rd, Metairie, LA, 70005A+5.0 ★Texas Ratio: 1.34% offering New and Used Auto at 3.00%, CUSA Federal Credit UnionCUSA Federal Credit Union100 Northpark Blvd, Covington, LA, 70433A5.0 ★Texas Ratio: 6.43% offering New Vehicles Loan at 3.25%, Riverland Federal Credit UnionRiverland Federal Credit Union639 Loyola Ave Ste 220, New Orleans, LA, 70113 3130A+5.0 ★Texas Ratio: 3.66% offering Auto Loans - Cars, Trucks, & SUVs at 3.50%, Access Of Louisiana Federal Credit UnionAccess Of Louisiana Federal Credit Union4400 Maplewood Dr, Sulphur, LA, 70663A+5.0 ★Texas Ratio: 5.77% offering New Car Loan at 3.75%, Tangipahoa Parish Teachers Credit UnionTangipahoa Parish Teachers Credit Union1100 Roma Ave, Hammond, LA, 70403 5464A+5.0 ★Texas Ratio: 1.36% offering New Auto Loans at 3.90%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Louisiana side-by-side. Louisiana auto loan rates currently start as low as 3.00% APR from Fleur de Lis Federal Credit Union at 433 Metairie Rd, Metairie, LA, 70005. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Louisiana. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Louisiana
Louisiana Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA, 70005
New and Used Auto
3.00%
Up To 84 Months
▼
APR3.00%
TermUp To 84 Months
Last UpdatedSep 20, 2026
Details
Refinance Options Available
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
New Vehicles Loan
3.25%
Up to 60 months
▼
APR3.25%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA, 70113 3130
Auto Loans - Cars, Trucks, & SUVs
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 3.75-16.15%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
New Vehicles Loan
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedSep 21, 2026
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
3.90%
60 months
▼
APR3.90%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
3.90%
48 months
▼
APR3.90%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
3.90%
24 months
▼
APR3.90%
Term24 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
35294 Highway 30, Geismar, LA, 70734
New Vehicle Loan
3.99%
up to 7 years
▼
APR3.99%
Termup to 7 years
Last UpdatedSep 18, 2026
Details
APR varies by term.
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
35294 Highway 30, Geismar, LA, 70734
New Vehicles Loan
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
As Low As
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
35294 Highway 30, Geismar, LA, 70734
Used Vehicle Loan
3.99%
up to 6 years
▼
APR3.99%
Termup to 6 years
Last UpdatedSep 18, 2026
Details
APR varies by term.
Baton Rouge City Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
433 Government St, Baton Rouge, LA, 70802 6114
New and Used Autos and Motorcycles
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
As Low As; All rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.00-17.40%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
A+APR*
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.25-17.65%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
New Vehicles Loan
4.25%
84 months
▼
APR4.25%
Term84 months
Last UpdatedSep 21, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
Used Vehicles Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedSep 21, 2026
Details
A+APR*
Rapides General Hospital Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
211 4TH ST, ALEXANDRIA, LA, 71301 8421
Vehicle Loan
4.30%
36 Months or Less
▼
APR4.30%
Term36 Months or Less
Last UpdatedSep 18, 2026
Details
Rate Ranges Are Based On Credit Worthiness
Calcasieu Teachers And Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
805 S Huntington St, Sulphur, LA, 70663 4439
Auto Loan
4.45%
Up to 48 months
▼
APR4.45%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA, 71108
New & Used Vehicles Loan
4.49%
up to 84 months
▼
APR4.49%
Termup to 84 months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.49% to 15.50%. Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.
Maple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA, 70506
Vehicle Loan
4.49%
84 months
▼
APR4.49%
Interest Rate4.49%
Term84 months
Last UpdatedSep 20, 2026
Details
Published rate range: 4.49-11.35%.
Maple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA, 70506
Vehicle Loan
4.49%
60 months
▼
APR4.49%
Interest Rate4.49%
Term60 months
Last UpdatedSep 20, 2026
Details
Published rate range: 4.49-12.85%.
Peoples Credit Union Rayne, LA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
904 E TEXAS AVE, Rayne, LA, 70578
New Vehicle Loan
4.50%
Up to 72 mo.
▼
APR4.50%
TermUp to 72 mo.
Last UpdatedSep 18, 2026
Details
Annual Percentage Rate (APR) as low as 4.50%.
Rapides General Hospital Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
211 4TH ST, ALEXANDRIA, LA, 71301 8421
Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedSep 18, 2026
Details
Rate Ranges Are Based On Credit Worthiness
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
New Vehicle Loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: Less than $15,000.00
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
AAPR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedSep 21, 2026
Details
A+APR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
4.50%
60 Months
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: A; Credit Score Range: 720+
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA, 70113 3130
Auto Loans - Cars, Trucks, & SUVs
4.50%
Up to 60 months
▼
APR4.50%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
New Auto/Van/Truck Loans
4.54%
0-48 months
▼
APR4.54%
Term0-48 months
Last UpdatedSep 18, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
Used Car Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.60-17.95%.
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.60-17.95%.
First Street Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
709 W 1ST ST, DERIDDER, LA, 70634
2016 & older Auto Loan
4.70%
Up to 60 Months
▼
APR4.70%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
First Street Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
709 W 1ST ST, DERIDDER, LA, 70634
2019 - 2017 Auto Loan
4.70%
Up to 60 Months
▼
APR4.70%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
First Street Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
709 W 1ST ST, DERIDDER, LA, 70634
2023 - 2020 Auto Loan
4.70%
Up to 72 Months
▼
APR4.70%
TermUp to 72 Months
Last UpdatedSep 21, 2026
Details
First Street Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
709 W 1ST ST, DERIDDER, LA, 70634
2025 - 2024 Auto Loan
4.70%
Up to 84 Months
▼
APR4.70%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
First Street Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
709 W 1ST ST, DERIDDER, LA, 70634
New Collateral Auto Loan
4.70%
Up to 84 Months
▼
APR4.70%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
First Street Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
709 W 1ST ST, DERIDDER, LA, 70634
Used Cur Yr Model Auto Loan
4.70%
Up to 84 Months
▼
APR4.70%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
New Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $15,000.00-$19,999.99
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.75-17.95%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
New Vehicles Loan
4.75%
96 months
▼
APR4.75%
Term96 months
Last UpdatedSep 21, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
Used Vehicles Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
AAPR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 1 to 5 years old
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
AAPR*: 5.25%; BAPR*: 6.25%; CAPR*: 8.25%; DAPR*: 10.25%; EAPR*: N/A
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
4.75%
72 Months
▼
APR4.75%
Interest Rate4.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: A; Credit Score Range: 720+
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA, 70139
New Autos
4.77%
84 Months
▼
APR4.77%
Term84 Months
Last UpdatedSep 21, 2026
Details
As Low As; **
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA, 70139
New Autos
4.77%
Up to 84 Months
▼
APR4.77%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
New Auto/Van/Truck Loans
4.79%
49-66 months
▼
APR4.79%
Term49-66 months
Last UpdatedSep 18, 2026
Details
As Low As
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; Selling price must be $30,000
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
4.80%
24 MONTHS
▼
APR4.80%
Term24 MONTHS
Last UpdatedSep 21, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
Repossessed Vehicles for Sale - 2018 & Older Loan
4.90%
Up to 60 Months
▼
APR4.90%
TermUp to 60 Months
Last UpdatedSep 20, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
Used Car Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.90-17.95%.
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.90-17.95%.
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
4.90%
36 MONTHS
▼
APR4.90%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
Calcasieu Teachers And Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
805 S Huntington St, Sulphur, LA, 70663 4439
Auto Loan
4.95%
Up to 60 months
▼
APR4.95%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
Rapides General Hospital Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
211 4TH ST, ALEXANDRIA, LA, 71301 8421
Vehicle Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
Rate Ranges Are Based On Credit Worthiness
Rapides General Hospital Employees FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
211 4TH ST, ALEXANDRIA, LA, 71301 8421
Vehicle Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedSep 18, 2026
Details
Rate Ranges Are Based On Credit Worthiness
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
515 Guilbeau Rd, Lafayette, LA, 70506 6089
New Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 20, 2026
Details
Financing: up to 115%
Maple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA, 70506
Used Auto (1 Yr Old)
4.99%
Up to 96 months
▼
APR4.99%
TermUp to 96 months
Last UpdatedSep 20, 2026
Details
As Low As
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedSep 21, 2026
Details
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Used Auto / Refi
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedSep 21, 2026
Details
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA, 70433 5069
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedSep 21, 2026
Details
As low as
Louisiana Catholic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
814 Jordan St, Shreveport, LA, 71101
Vehicle Loan
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.00% to 17.15%.
Louisiana Catholic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
814 Jordan St, Shreveport, LA, 71101
Vehicle Loan
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.00% to 17.15%.
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
New Vehicle Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $20,000.00-$29,999.99
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedSep 21, 2026
Details
AAPR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 1 to 5 years old
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
AAPR*: 5.50%; BAPR*: 6.50%; CAPR*: 8.50%; DAPR*: 10.50%; EAPR*: N/A
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
Used Vehicles 2016-2025
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Paper Guide: A; Credit Score Range: 720+
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
Used Auto/Van/Truck Loans
5.04%
0-48 months
▼
APR5.04%
Term0-48 months
Last UpdatedSep 18, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade A
5.05%
24 MONTHS
▼
APR5.05%
Term24 MONTHS
Last UpdatedSep 21, 2026
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2023 New or Used Auto Loan
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
5.09%
72 months
▼
APR5.09%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade A
5.15%
36 MONTHS
▼
APR5.15%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
Used Car Loan
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.20-17.95%.
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.20-17.95%.
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
515 Guilbeau Rd, Lafayette, LA, 70506 6089
New Auto Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 20, 2026
Details
Financing: up to 115%
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.24%
1 to 36 Months
▼
APR5.24%
Term1 to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.24%
37 to 48 Months
▼
APR5.24%
Term37 to 48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Used Auto / Refi
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedSep 21, 2026
Details
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Valex Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.67%
2495 Shreveport Hwy, Pineville, LA, 71360
Vehicle Loan
5.25%
36 Months
▼
APR5.25%
Interest Rate5.25%
Term36 Months
Last UpdatedSep 18, 2026
Details
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: Less than $15,000
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
Used/Program Vehicle Loans
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: less than $15,000.00
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.25-17.95%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
Used Vehicles Loan
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedSep 21, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
Used Vehicles Loan
5.25%
1 - 6 years
▼
APR5.25%
Term1 - 6 years
Last UpdatedSep 21, 2026
Details
As Low As
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
708 Jackson St, Alexandria, LA, 71301
New Auto Loan
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; Year: 2023 - 2026
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
Used Vehicles 2016-2025
5.25%
72 months
▼
APR5.25%
Interest Rate5.25%
Term72 months
Last UpdatedSep 21, 2026
Details
Paper Guide: A; Credit Score Range: 720+
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedSep 21, 2026
Details
As Low As
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
48 - 60 Months
▼
APR5.25%
Term48 - 60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
5.25%
48 MONTHS
▼
APR5.25%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA, 70139
Used Autos
5.27%
84 Months
▼
APR5.27%
Term84 Months
Last UpdatedSep 21, 2026
Details
As Low As; **
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA, 70139
Used Autos
5.27%
Up to 84 Months
▼
APR5.27%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
New Auto/Van/Truck Loans
5.29%
67-78 months
▼
APR5.29%
Term67-78 months
Last UpdatedSep 18, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
Used Auto/Van/Truck Loans
5.29%
49-66 months
▼
APR5.29%
Term49-66 months
Last UpdatedSep 18, 2026
Details
As Low As
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
5.34%
84 months
▼
APR5.34%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As; Selling price must be $30,000
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA, 70123
Automobiles
5.40%
36 Months
▼
APR5.40%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA, 70123
Automobiles
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As
BOSSIER
Institution Rating:
A5.0 ★ Texas Ratio: 7.76%
1871 Pine Grove Rd, Keithville, LA, 71047
New Auto Loan
5.44%
up to 96 mo.
▼
APR5.44%
Termup to 96 mo.
Last UpdatedSep 18, 2026
Details
BOSSIER
Institution Rating:
A5.0 ★ Texas Ratio: 7.76%
1871 Pine Grove Rd, Keithville, LA, 71047
Used Auto Loan
5.44%
up to 84 mo.
▼
APR5.44%
Termup to 84 mo.
Last UpdatedSep 18, 2026
Details
BOSSIER
Institution Rating:
A5.0 ★ Texas Ratio: 7.76%
1871 Pine Grove Rd, Keithville, LA, 71047
Used Auto Loan
5.44%
up to 72 mo.
▼
APR5.44%
Termup to 72 mo.
Last UpdatedSep 18, 2026
Details
2023 and under
Calcasieu Teachers And Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
805 S Huntington St, Sulphur, LA, 70663 4439
Auto Loan
5.45%
Up to 72 months
▼
APR5.45%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA, 70123
Automobiles
5.45%
60 Months
▼
APR5.45%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
21925 Highway 1, Plaquemine, LA, 70764 5132
Auto Loans
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; 36 months
Maple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA, 70506
Used Auto (2-10 Yrs Old)
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedSep 20, 2026
Details
As Low As
Wymar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
37269 Highway 30, Geismar, LA, 70734
Find a Vehicle Loan
5.49%
4 Years
▼
APR5.49%
Term4 Years
Last UpdatedSep 21, 2026
Details
As Low As*
Wymar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
37269 Highway 30, Geismar, LA, 70734
Find a Vehicle Loan
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedSep 21, 2026
Details
As Low As*
Wymar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
37269 Highway 30, Geismar, LA, 70734
Vehicle Loan Payment
5.49%
3 Years
▼
APR5.49%
Term3 Years
Last UpdatedSep 21, 2026
Details
As Low As; *
Wymar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
37269 Highway 30, Geismar, LA, 70734
Vehicle Loan Payment
5.49%
4 Years
▼
APR5.49%
Term4 Years
Last UpdatedSep 21, 2026
Details
As Low As; *
Wymar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
37269 Highway 30, Geismar, LA, 70734
Vehicle Loan Payment
5.49%
5 Years
▼
APR5.49%
Term5 Years
Last UpdatedSep 21, 2026
Details
As Low As; *
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA, 70808 1839
Auto Loans
5.49%
0-36 months
▼
APR5.49%
Term0-36 months
Last UpdatedSep 21, 2026
Details
As Low As
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.50%
up to 3 years
▼
APR5.50%
Termup to 3 years
Last UpdatedSep 16, 2026
Details
Term: up to 3 years (36 months); As Low As
Valex Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.67%
2495 Shreveport Hwy, Pineville, LA, 71360
Vehicle Loan
5.50%
48 Months
▼
APR5.50%
Interest Rate5.50%
Term48 Months
Last UpdatedSep 18, 2026
Details
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: $15,000 - $19,999.99
Valex Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.67%
2495 Shreveport Hwy, Pineville, LA, 71360
Vehicle Loan
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 18, 2026
Details
New -- 100% MSRP; USED -- 100% NADA Retail; UP TO 120% with GAP; Maximum Loan Amount: $20,000 - $29,999.99
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
New Vehicle Loans
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $30,000.00-$39,999.99
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
Used/Program Vehicle Loans
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $15,000.00-$19,999.99
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
Used Vehicles Loan
5.50%
7 - 9 years
▼
APR5.50%
Term7 - 9 years
Last UpdatedSep 21, 2026
Details
As Low As
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
708 Jackson St, Alexandria, LA, 71301
New Auto Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As; Year: 2023 - 2026
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
BAPR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 6 to 10 years old
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
A+APR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
5.50%
84 Months
▼
APR5.50%
Interest Rate5.50%
Term84 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: A; Credit Score Range: 720+
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: B; Credit Score Range: 670-719
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade A
5.50%
48 MONTHS
▼
APR5.50%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Riverland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
639 Loyola Ave Ste 220, New Orleans, LA, 70113 3130
Auto Loans - Cars, Trucks, & SUVs
5.50%
Up to 84 months
▼
APR5.50%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
As Low As
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
New & Newer Used Auto Loan
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.54% to 13.99%.
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.54%
49 to 60 Months
▼
APR5.54%
Term49 to 60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.54%
61 to 66 Months
▼
APR5.54%
Term61 to 66 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2023 New or Used Auto Loan
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
5.60%
60 MONTHS
▼
APR5.60%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade B
5.60%
24 MONTHS
▼
APR5.60%
Term24 MONTHS
Last UpdatedSep 21, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.64%
24 Months
▼
APR5.64%
Term24 Months
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.64%
24 Months
▼
APR5.64%
Term24 Months
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedSep 20, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.64%
67 to 75 Months
▼
APR5.64%
Term67 to 75 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used (2019 - current year) Auto Loan
5.69%
1 - 36 mos.
▼
APR5.69%
Term1 - 36 mos.
Last UpdatedSep 20, 2026
Details
Published APR range: 5.69 - 16.95%.
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used Auto Loan
5.69%
1 - 36 months
▼
APR5.69%
Term1 - 36 months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.69% - 16.95%. New & Used (2019 - current year)
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
Used Car Loan
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.70-17.95%.
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.70-17.95%.
Eagle Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
2271 College Dr, Baton Rouge, LA, 70808 1839
Auto Loans
5.74%
37-60 months
▼
APR5.74%
Term37-60 months
Last UpdatedSep 21, 2026
Details
As Low As
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.75%
up to 4 years
▼
APR5.75%
Termup to 4 years
Last UpdatedSep 16, 2026
Details
Term: up to 4 years (48 months); As Low As
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.75%
up to 5 years
▼
APR5.75%
Termup to 5 years
Last UpdatedSep 16, 2026
Details
Term: up to 5 years (60 months); As Low As
Peoples Credit Union Rayne, LA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
904 E TEXAS AVE, Rayne, LA, 70578
Used Vehicle Loan
5.75%
Up to 60 mo.
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedSep 18, 2026
Details
Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.75%
36 Months
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedSep 18, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
Used/Program Vehicle Loans
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $20,000.00-$29,999.99
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.75-9.75%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
Used Vehicles Loan
5.75%
10 - 15 years
▼
APR5.75%
Term10 - 15 years
Last UpdatedSep 21, 2026
Details
As Low As
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
708 Jackson St, Alexandria, LA, 71301
New Auto Loan
5.75%
72 months*
▼
APR5.75%
Term72 months*
Last UpdatedSep 21, 2026
Details
As Low As; Year: 2023 - 2026
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
BAPR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 6 to 10 years old
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
A+APR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
5.75%
72 Months
▼
APR5.75%
Interest Rate5.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: B; Credit Score Range: 670-719
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
Used Auto/Van/Truck Loans
5.79%
67-78 months
▼
APR5.79%
Term67-78 months
Last UpdatedSep 18, 2026
Details
As Low As
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.79%
48 Months
▼
APR5.79%
Term48 Months
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.79%
48 Months
▼
APR5.79%
Term48 Months
Last UpdatedSep 20, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.79%
76 to 78 Months
▼
APR5.79%
Term76 to 78 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Used Auto / Refi
5.79%
7 years
▼
APR5.79%
Term7 years
Last UpdatedSep 21, 2026
Details
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2024 New or Used Auto Loan
5.84%
84 Months
▼
APR5.84%
Term84 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.84%
60 Months
▼
APR5.84%
Term60 Months
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.84%
60 Months
▼
APR5.84%
Term60 Months
Last UpdatedSep 20, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade A
5.85%
60 MONTHS
▼
APR5.85%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.89%
48 Months
▼
APR5.89%
Interest Rate5.89%
Term48 Months
Last UpdatedSep 18, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
New & Newer Used Auto Loan
5.89%
49 to 78 Months
▼
APR5.89%
Term49 to 78 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.89% to 15.24%.
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
New Auto Loan
5.89%
78 months
▼
APR5.89%
Term78 months
Last UpdatedSep 20, 2026
Details
On a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99. New - 2023 Models and newer
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used (2019 & current year) Auto Loan
5.94%
37 - 63 mos.
▼
APR5.94%
Term37 - 63 mos.
Last UpdatedSep 20, 2026
Details
Published APR range: 5.94% - 17.20%.
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used Auto Loan
5.94%
37 - 63 months
▼
APR5.94%
Term37 - 63 months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.94% - 17.20%. New & Used (2019 & current year)
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.94%
79 to 84 Months
▼
APR5.94%
Term79 to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
Calcasieu Teachers And Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
805 S Huntington St, Sulphur, LA, 70663 4439
Auto Loan
5.95%
Up to 84 months
▼
APR5.95%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade B
5.95%
36 MONTHS
▼
APR5.95%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Interest Rate5.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedSep 20, 2026
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
515 Guilbeau Rd, Lafayette, LA, 70506 6089
Used Auto Loans
5.99%
up to 60 months
▼
APR5.99%
Termup to 60 months
Last UpdatedSep 20, 2026
Details
Financing: up to 115%
Wymar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
37269 Highway 30, Geismar, LA, 70734
Find a Vehicle Loan
5.99%
6 Years
▼
APR5.99%
Term6 Years
Last UpdatedSep 21, 2026
Details
As Low As*
Wymar Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
37269 Highway 30, Geismar, LA, 70734
Vehicle Loan Payment
5.99%
6 Years
▼
APR5.99%
Term6 Years
Last UpdatedSep 21, 2026
Details
As Low As; *
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
5 Years Old or Older Including Automobiles, Boats, Motorcycles, Tractors, and Campers
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as Low as 5.99% APR*
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
5 Years Old or Older Including Automobiles, Boats, Motorcycles, Tractors, and Campers
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as Low as 5.99% APR*
Jefferson Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1221 Elmwood Park Blvd, Harahan, LA, 70123
Automobiles
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
As Low As
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
708 Jackson St, Alexandria, LA, 71301
Auto Loan
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; Year: 2021 - 2022
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedSep 21, 2026
Details
BAPR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 11 to 15 years old
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
A+APR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 6 to 10 years old
6.00%
Up to 60 Months
▼
APR6.00%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
AAPR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
Used Vehicles 2016-2025
6.00%
84 months
▼
APR6.00%
Interest Rate6.00%
Term84 months
Last UpdatedSep 21, 2026
Details
Paper Guide: A; Credit Score Range: 720+
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
Used Vehicles 2016-2025
6.00%
60 months
▼
APR6.00%
Interest Rate6.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Paper Guide: B; Credit Score Range: 670-719
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
6.00%
61 - 72 Months
▼
APR6.00%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
6.00%
72 MONTHS
▼
APR6.00%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade B
6.00%
24 MONTHS
▼
APR6.00%
Term24 MONTHS
Last UpdatedSep 21, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
New Auto/Van/Truck Loans
6.04%
79-84 months
▼
APR6.04%
Term79-84 months
Last UpdatedSep 18, 2026
Details
As Low As; New Vehicles Only > $25,000
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
600 Jefferson St, Lafayette, LA, 70501
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
600 Jefferson St, Lafayette, LA, 70501
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
6.04%
72 Months**
▼
APR6.04%
Term72 Months**
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedSep 20, 2026
Details
**
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
6.09%
72 Months
▼
APR6.09%
Interest Rate6.09%
Term72 Months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
600 Jefferson St, Lafayette, LA, 70501
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
600 Jefferson St, Lafayette, LA, 70501
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
6.09%
24 months
▼
APR6.09%
Term24 months
Last UpdatedSep 21, 2026
Details
Rates as Low as; Members are eligible after 6 months of employment; Member can qualify for 2 times their gross monthly income not to exceed $10,000.00.
CSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
4321 Nelson Rd, Lake Charles, LA, 70605 4119
New Auto Loan
6.10%
Up to 36 Months
▼
APR6.10%
TermUp to 36 Months
Last UpdatedSep 14, 2026
Details
Maximum loan amount for this term is $15,000
Powered by
MonitorBankRates
Louisiana New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA, 70005
New and Used Auto
3.00%
Up To 84 Months
▼
APR3.00%
TermUp To 84 Months
Last UpdatedSep 20, 2026
Details
Refinance Options Available
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
New Vehicles Loan
3.25%
Up to 60 months
▼
APR3.25%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 3.75-16.15%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
New Vehicles Loan
3.75%
72 months
▼
APR3.75%
Term72 months
Last UpdatedSep 21, 2026
Details
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
3.90%
60 months
▼
APR3.90%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
3.90%
48 months
▼
APR3.90%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
3.90%
24 months
▼
APR3.90%
Term24 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
35294 Highway 30, Geismar, LA, 70734
New Vehicle Loan
3.99%
up to 7 years
▼
APR3.99%
Termup to 7 years
Last UpdatedSep 18, 2026
Details
APR varies by term.
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
35294 Highway 30, Geismar, LA, 70734
New Vehicles Loan
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
As Low As
Baton Rouge City Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
433 Government St, Baton Rouge, LA, 70802 6114
New and Used Autos and Motorcycles
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
As Low As; All rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.00-17.40%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.00%
Up to 60 Months
▼
APR4.00%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
A+APR*
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.25-17.65%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
New Vehicles Loan
4.25%
84 months
▼
APR4.25%
Term84 months
Last UpdatedSep 21, 2026
Details
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedSep 21, 2026
Details
A+APR*
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA, 71108
New & Used Vehicles Loan
4.49%
up to 84 months
▼
APR4.49%
Termup to 84 months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.49% to 15.50%. Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.
Peoples Credit Union Rayne, LA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
904 E TEXAS AVE, Rayne, LA, 70578
New Vehicle Loan
4.50%
Up to 72 mo.
▼
APR4.50%
TermUp to 72 mo.
Last UpdatedSep 18, 2026
Details
Annual Percentage Rate (APR) as low as 4.50%.
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
New Vehicle Loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: Less than $15,000.00
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
AAPR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedSep 21, 2026
Details
A+APR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
4.50%
60 Months
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: A; Credit Score Range: 720+
Tangipahoa Parish Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
1100 Roma Ave, Hammond, LA, 70403 5464
New Auto Loans
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As; For a limited time only. New vehicles include 2025/2026 program/demos with less than 25,000 miles. Maximum loan amount is $70,000.00. Must have an open Share Account to qualify.
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
New Auto/Van/Truck Loans
4.54%
0-48 months
▼
APR4.54%
Term0-48 months
Last UpdatedSep 18, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.60-17.95%.
First Street Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
709 W 1ST ST, DERIDDER, LA, 70634
New Collateral Auto Loan
4.70%
Up to 84 Months
▼
APR4.70%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
New Vehicle Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $15,000.00-$19,999.99
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.75-17.95%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
New Vehicles Loan
4.75%
96 months
▼
APR4.75%
Term96 months
Last UpdatedSep 21, 2026
Details
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
AAPR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
4.75%
72 Months
▼
APR4.75%
Interest Rate4.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: A; Credit Score Range: 720+
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA, 70139
New Autos
4.77%
84 Months
▼
APR4.77%
Term84 Months
Last UpdatedSep 21, 2026
Details
As Low As; **
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA, 70139
New Autos
4.77%
Up to 84 Months
▼
APR4.77%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
New Auto/Van/Truck Loans
4.79%
49-66 months
▼
APR4.79%
Term49-66 months
Last UpdatedSep 18, 2026
Details
As Low As
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As; Selling price must be $30,000
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
4.80%
24 MONTHS
▼
APR4.80%
Term24 MONTHS
Last UpdatedSep 21, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.90-17.95%.
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
4.90%
36 MONTHS
▼
APR4.90%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
515 Guilbeau Rd, Lafayette, LA, 70506 6089
New Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 20, 2026
Details
Financing: up to 115%
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
100 Northpark Blvd # B1302A, Covington, LA, 70433 5069
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedSep 21, 2026
Details
As low as
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
New Vehicle Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $20,000.00-$29,999.99
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedSep 21, 2026
Details
AAPR*
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2023 New or Used Auto Loan
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
5.09%
72 months
▼
APR5.09%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.20-17.95%.
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
515 Guilbeau Rd, Lafayette, LA, 70506 6089
New Auto Loans
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 20, 2026
Details
Financing: up to 115%
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.24%
1 to 36 Months
▼
APR5.24%
Term1 to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.24%
37 to 48 Months
▼
APR5.24%
Term37 to 48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.25-17.95%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
708 Jackson St, Alexandria, LA, 71301
New Auto Loan
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; Year: 2023 - 2026
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedSep 21, 2026
Details
As Low As
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
48 - 60 Months
▼
APR5.25%
Term48 - 60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
5.25%
48 MONTHS
▼
APR5.25%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
New Auto/Van/Truck Loans
5.29%
67-78 months
▼
APR5.29%
Term67-78 months
Last UpdatedSep 18, 2026
Details
As Low As
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
5.34%
84 months
▼
APR5.34%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As; Selling price must be $30,000
BOSSIER
Institution Rating:
A5.0 ★ Texas Ratio: 7.76%
1871 Pine Grove Rd, Keithville, LA, 71047
New Auto Loan
5.44%
up to 96 mo.
▼
APR5.44%
Termup to 96 mo.
Last UpdatedSep 18, 2026
Details
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.50%
up to 3 years
▼
APR5.50%
Termup to 3 years
Last UpdatedSep 16, 2026
Details
Term: up to 3 years (36 months); As Low As
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
New Vehicle Loans
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $30,000.00-$39,999.99
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
708 Jackson St, Alexandria, LA, 71301
New Auto Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As; Year: 2023 - 2026
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
BAPR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
5.50%
84 Months
▼
APR5.50%
Interest Rate5.50%
Term84 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: A; Credit Score Range: 720+
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: B; Credit Score Range: 670-719
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
New & Newer Used Auto Loan
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.54% to 13.99%.
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.54%
49 to 60 Months
▼
APR5.54%
Term49 to 60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.54%
61 to 66 Months
▼
APR5.54%
Term61 to 66 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2023 New or Used Auto Loan
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
5.60%
60 MONTHS
▼
APR5.60%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade B
5.60%
24 MONTHS
▼
APR5.60%
Term24 MONTHS
Last UpdatedSep 21, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.64%
24 Months
▼
APR5.64%
Term24 Months
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedSep 20, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.64%
67 to 75 Months
▼
APR5.64%
Term67 to 75 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used (2019 - current year) Auto Loan
5.69%
1 - 36 mos.
▼
APR5.69%
Term1 - 36 mos.
Last UpdatedSep 20, 2026
Details
Published APR range: 5.69 - 16.95%.
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used Auto Loan
5.69%
1 - 36 months
▼
APR5.69%
Term1 - 36 months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.69% - 16.95%. New & Used (2019 - current year)
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE. Loan
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.70-17.95%.
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.75%
up to 4 years
▼
APR5.75%
Termup to 4 years
Last UpdatedSep 16, 2026
Details
Term: up to 4 years (48 months); As Low As
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.75%
up to 5 years
▼
APR5.75%
Termup to 5 years
Last UpdatedSep 16, 2026
Details
Term: up to 5 years (60 months); As Low As
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.75%
36 Months
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedSep 18, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.75-9.75%. VEHICLES 1 OR 2 YEARS OLD, WITH LESS THAN 40,000 MILES MAY BE FINANCED AT NEW CAR RATE.
CenLA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
708 Jackson St, Alexandria, LA, 71301
New Auto Loan
5.75%
72 months*
▼
APR5.75%
Term72 months*
Last UpdatedSep 21, 2026
Details
As Low As; Year: 2023 - 2026
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
BAPR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
New Vehicles 2024-2026
5.75%
72 Months
▼
APR5.75%
Interest Rate5.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
Paper Grade: B; Credit Score Range: 670-719
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.79%
48 Months
▼
APR5.79%
Term48 Months
Last UpdatedSep 20, 2026
Details
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.79%
76 to 78 Months
▼
APR5.79%
Term76 to 78 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2024 New or Used Auto Loan
5.84%
84 Months
▼
APR5.84%
Term84 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.84%
60 Months
▼
APR5.84%
Term60 Months
Last UpdatedSep 20, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.89%
48 Months
▼
APR5.89%
Interest Rate5.89%
Term48 Months
Last UpdatedSep 18, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
New & Newer Used Auto Loan
5.89%
49 to 78 Months
▼
APR5.89%
Term49 to 78 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.89% to 15.24%.
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
New Auto Loan
5.89%
78 months
▼
APR5.89%
Term78 months
Last UpdatedSep 20, 2026
Details
On a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99. New - 2023 Models and newer
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used (2019 & current year) Auto Loan
5.94%
37 - 63 mos.
▼
APR5.94%
Term37 - 63 mos.
Last UpdatedSep 20, 2026
Details
Published APR range: 5.94% - 17.20%.
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used Auto Loan
5.94%
37 - 63 months
▼
APR5.94%
Term37 - 63 months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.94% - 17.20%. New & Used (2019 & current year)
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
700 Main St, Baton Rouge, LA, 70802 5501
New Vehicle - 2023 and Newer Model Years Loan
5.94%
79 to 84 Months
▼
APR5.94%
Term79 to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As; Effective Date: 03/30/26
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade B
5.95%
36 MONTHS
▼
APR5.95%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Interest Rate5.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedSep 20, 2026
Details
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
New Auto Loans
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedSep 21, 2026
Details
BAPR*
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
6.00%
61 - 72 Months
▼
APR6.00%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
New Vehicle Loans - Grade A
6.00%
72 MONTHS
▼
APR6.00%
Term72 MONTHS
Last UpdatedSep 21, 2026
Details
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
New Auto/Van/Truck Loans
6.04%
79-84 months
▼
APR6.04%
Term79-84 months
Last UpdatedSep 18, 2026
Details
As Low As; New Vehicles Only > $25,000
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
600 Jefferson St, Lafayette, LA, 70501
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
600 Jefferson St, Lafayette, LA, 70501
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
New Auto Loan
6.04%
72 Months**
▼
APR6.04%
Term72 Months**
Last UpdatedSep 20, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
6.09%
72 Months
▼
APR6.09%
Interest Rate6.09%
Term72 Months
Last UpdatedSep 18, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
New Vehicles Loan
6.09%
24 months
▼
APR6.09%
Term24 months
Last UpdatedSep 21, 2026
Details
Rates as Low as; Members are eligible after 6 months of employment; Member can qualify for 2 times their gross monthly income not to exceed $10,000.00.
CSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
4321 Nelson Rd, Lake Charles, LA, 70605 4119
New Auto Loan
6.10%
Up to 36 Months
▼
APR6.10%
TermUp to 36 Months
Last UpdatedSep 14, 2026
Details
Maximum loan amount for this term is $15,000
Powered by
MonitorBankRates
Louisiana Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Fleur de Lis Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
433 Metairie Rd, Metairie, LA, 70005
New and Used Auto
3.00%
Up To 84 Months
▼
APR3.00%
TermUp To 84 Months
Last UpdatedSep 20, 2026
Details
Refinance Options Available
GEISMAR COMPLEX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.10%
35294 Highway 30, Geismar, LA, 70734
Used Vehicle Loan
3.99%
up to 6 years
▼
APR3.99%
Termup to 6 years
Last UpdatedSep 18, 2026
Details
APR varies by term.
Baton Rouge City Parish Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
433 Government St, Baton Rouge, LA, 70802 6114
New and Used Autos and Motorcycles
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
As Low As; All rates are for a limited time only, and certain restrictions apply. Please check with the Loan Department for details.
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
Used Vehicles Loan
4.25%
Up to 60 months
▼
APR4.25%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Willis Knighton Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
8400 Mansfield Rd, Shreveport, LA, 71108
New & Used Vehicles Loan
4.49%
up to 84 months
▼
APR4.49%
Termup to 84 months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.49% to 15.50%. Terms over 72 months for Vehicles, Boats, Travel Trailers, Motor Homes valued over $40,000.
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
Used Car Loan
4.60%
36 Months
▼
APR4.60%
Term36 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.60-17.95%.
First Street Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
709 W 1ST ST, DERIDDER, LA, 70634
Used Cur Yr Model Auto Loan
4.70%
Up to 84 Months
▼
APR4.70%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
Used Vehicles Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 1 to 5 years old
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
AAPR*: 5.25%; BAPR*: 6.25%; CAPR*: 8.25%; DAPR*: 10.25%; EAPR*: N/A
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
Used Car Loan
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.90-17.95%.
Maple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA, 70506
Used Auto (1 Yr Old)
4.99%
Up to 96 months
▼
APR4.99%
TermUp to 96 months
Last UpdatedSep 20, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Used Auto / Refi
4.99%
4 Years
▼
APR4.99%
Term4 Years
Last UpdatedSep 21, 2026
Details
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Used Auto / Refi
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedSep 21, 2026
Details
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 1 to 5 years old
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 21, 2026
Details
AAPR*: 5.50%; BAPR*: 6.50%; CAPR*: 8.50%; DAPR*: 10.50%; EAPR*: N/A
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
Used Vehicles 2016-2025
5.00%
60 months
▼
APR5.00%
Interest Rate5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Paper Guide: A; Credit Score Range: 720+
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
Used Auto/Van/Truck Loans
5.04%
0-48 months
▼
APR5.04%
Term0-48 months
Last UpdatedSep 18, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade A
5.05%
24 MONTHS
▼
APR5.05%
Term24 MONTHS
Last UpdatedSep 21, 2026
Details
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2023 New or Used Auto Loan
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade A
5.15%
36 MONTHS
▼
APR5.15%
Term36 MONTHS
Last UpdatedSep 21, 2026
Details
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
Used Car Loan
5.20%
60 Months
▼
APR5.20%
Term60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.20-17.95%.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Used Auto / Refi
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedSep 21, 2026
Details
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
Used/Program Vehicle Loans
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: less than $15,000.00
CUSA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
100 Northpark Blvd, Covington, LA, 70433
Used Vehicles Loan
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedSep 21, 2026
Details
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
Used Vehicles Loan
5.25%
1 - 6 years
▼
APR5.25%
Term1 - 6 years
Last UpdatedSep 21, 2026
Details
As Low As
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
Used Vehicles 2016-2025
5.25%
72 months
▼
APR5.25%
Interest Rate5.25%
Term72 months
Last UpdatedSep 21, 2026
Details
Paper Guide: A; Credit Score Range: 720+
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
24 Months
▼
APR5.25%
Term24 Months
Last UpdatedSep 21, 2026
Details
As Low As
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
5.25%
48 - 60 Months
▼
APR5.25%
Term48 - 60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA, 70139
Used Autos
5.27%
84 Months
▼
APR5.27%
Term84 Months
Last UpdatedSep 21, 2026
Details
As Low As; **
Xplore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
701 Poydras St Ste P140, New Orleans, LA, 70139
Used Autos
5.27%
Up to 84 Months
▼
APR5.27%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
Used Auto/Van/Truck Loans
5.29%
49-66 months
▼
APR5.29%
Term49-66 months
Last UpdatedSep 18, 2026
Details
As Low As
BOSSIER
Institution Rating:
A5.0 ★ Texas Ratio: 7.76%
1871 Pine Grove Rd, Keithville, LA, 71047
Used Auto Loan
5.44%
up to 84 mo.
▼
APR5.44%
Termup to 84 mo.
Last UpdatedSep 18, 2026
Details
BOSSIER
Institution Rating:
A5.0 ★ Texas Ratio: 7.76%
1871 Pine Grove Rd, Keithville, LA, 71047
Used Auto Loan
5.44%
up to 72 mo.
▼
APR5.44%
Termup to 72 mo.
Last UpdatedSep 18, 2026
Details
2023 and under
Maple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
105 Toledo Dr, Lafayette, LA, 70506
Used Auto (2-10 Yrs Old)
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedSep 20, 2026
Details
As Low As
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.50%
up to 3 years
▼
APR5.50%
Termup to 3 years
Last UpdatedSep 16, 2026
Details
Term: up to 3 years (36 months); As Low As
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
Used/Program Vehicle Loans
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $15,000.00-$19,999.99
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
Used Vehicles Loan
5.50%
7 - 9 years
▼
APR5.50%
Term7 - 9 years
Last UpdatedSep 21, 2026
Details
As Low As
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 6 to 10 years old
5.50%
Up to 60 Months
▼
APR5.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
A+APR*
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade A
5.50%
48 MONTHS
▼
APR5.50%
Term48 MONTHS
Last UpdatedSep 21, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
New & Newer Used Auto Loan
5.54%
Up to 48 Months
▼
APR5.54%
TermUp to 48 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.54% to 13.99%.
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2023 New or Used Auto Loan
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.64%
24 Months
▼
APR5.64%
Term24 Months
Last UpdatedSep 20, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedSep 20, 2026
Details
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used (2019 - current year) Auto Loan
5.69%
1 - 36 mos.
▼
APR5.69%
Term1 - 36 mos.
Last UpdatedSep 20, 2026
Details
Published APR range: 5.69 - 16.95%.
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used Auto Loan
5.69%
1 - 36 months
▼
APR5.69%
Term1 - 36 months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.69% - 16.95%. New & Used (2019 - current year)
Access Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
4400 Maplewood Dr, Sulphur, LA, 70663
Used Car Loan
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.70-17.95%.
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.75%
up to 4 years
▼
APR5.75%
Termup to 4 years
Last UpdatedSep 16, 2026
Details
Term: up to 4 years (48 months); As Low As
Louisiana USA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
10289 Airline Hwy, Baton Rouge, LA, 70816
New and Used Autos
5.75%
up to 5 years
▼
APR5.75%
Termup to 5 years
Last UpdatedSep 16, 2026
Details
Term: up to 5 years (60 months); As Low As
Peoples Credit Union Rayne, LA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.46%
904 E TEXAS AVE, Rayne, LA, 70578
Used Vehicle Loan
5.75%
Up to 60 mo.
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedSep 18, 2026
Details
Usually, no vehicle over 15 years old. No salvaged vehicles qualify. APR as low as 5.75%.
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.75%
36 Months
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedSep 18, 2026
Details
Heart Of Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
303 Edgewood Dr, Pineville, LA, 71360 5444
Used/Program Vehicle Loans
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 20, 2026
Details
Maximum Loan Amount: $20,000.00-$29,999.99
River Region Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1625 Lutcher Ave, Lutcher, LA, 70071
Used Vehicles Loan
5.75%
10 - 15 years
▼
APR5.75%
Term10 - 15 years
Last UpdatedSep 21, 2026
Details
As Low As
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 6 to 10 years old
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
A+APR*
Alive Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
2739 W Church St, Hammond, LA, 70401
Used Auto/Van/Truck Loans
5.79%
67-78 months
▼
APR5.79%
Term67-78 months
Last UpdatedSep 18, 2026
Details
As Low As
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.79%
48 Months
▼
APR5.79%
Term48 Months
Last UpdatedSep 20, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Used Auto / Refi
5.79%
7 years
▼
APR5.79%
Term7 years
Last UpdatedSep 21, 2026
Details
Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account. Minimum $10,001 on loans with a term of more than 48 months.
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
13404 Airline Hwy, Baton Rouge, LA, 70817 5917
2027 - 2024 New or Used Auto Loan
5.84%
84 Months
▼
APR5.84%
Term84 Months
Last UpdatedSep 16, 2026
Details
Rates shown are Telco's current rates and include a 0.50% discount for our Member Loyalty Discounts. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 125%.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.84%
60 Months
▼
APR5.84%
Term60 Months
Last UpdatedSep 20, 2026
Details
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade A
5.85%
60 MONTHS
▼
APR5.85%
Term60 MONTHS
Last UpdatedSep 21, 2026
Details
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.89%
48 Months
▼
APR5.89%
Interest Rate5.89%
Term48 Months
Last UpdatedSep 18, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
2321 Airline Dr, Bossier City, LA, 71111 5810
New & Newer Used Auto Loan
5.89%
49 to 78 Months
▼
APR5.89%
Term49 to 78 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.89% to 15.24%.
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used (2019 & current year) Auto Loan
5.94%
37 - 63 mos.
▼
APR5.94%
Term37 - 63 mos.
Last UpdatedSep 20, 2026
Details
Published APR range: 5.94% - 17.20%.
EFCU Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10719 Airline Hwy, Baton Rouge, LA, 70816 4213
New & Used Auto Loan
5.94%
37 - 63 months
▼
APR5.94%
Term37 - 63 months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.94% - 17.20%. New & Used (2019 & current year)
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Interest Rate5.99%
Term60 Months
Last UpdatedSep 18, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
5.99%
66 Months
▼
APR5.99%
Term66 Months
Last UpdatedSep 20, 2026
Details
Meritus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.60%
515 Guilbeau Rd, Lafayette, LA, 70506 6089
Used Auto Loans
5.99%
up to 60 months
▼
APR5.99%
Termup to 60 months
Last UpdatedSep 20, 2026
Details
Financing: up to 115%
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 11 to 15 years old
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedSep 21, 2026
Details
A+APR*
705 Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.66%
1455 W Willow St, Lafayette, LA, 70506 1026
Pre-Owned Auto Loans 6 to 10 years old
6.00%
Up to 60 Months
▼
APR6.00%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
AAPR*
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
Used Vehicles 2016-2025
6.00%
84 months
▼
APR6.00%
Interest Rate6.00%
Term84 months
Last UpdatedSep 21, 2026
Details
Paper Guide: A; Credit Score Range: 720+
GP Louisiana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1700 E Mt Pleasant Road, Zachary, LA, 70791
Used Vehicles 2016-2025
6.00%
60 months
▼
APR6.00%
Interest Rate6.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Paper Guide: B; Credit Score Range: 670-719
Total Choice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
14963 River Rd, Hahnville, LA, 70057
New or Used Autos/Trucks
6.00%
61 - 72 Months
▼
APR6.00%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As Low As
Post Office Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.97%
2443 Texas Ave, Shreveport, LA, 71103
Used Vehicle Loans - Grade B
6.00%
24 MONTHS
▼
APR6.00%
Term24 MONTHS
Last UpdatedSep 21, 2026
Details
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
12529 Perkins Rd, Baton Rouge, LA, 70810
Used Auto Loan
6.04%
72 Months
▼
APR6.04%
Term72 Months
Last UpdatedSep 20, 2026
Details
**
BAYOU COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.07%
5445 POINT CLAIR RD, CARVILLE, LA, 70721
New and Used Auto Loans
6.09%
72 Months
▼
APR6.09%
Interest Rate6.09%
Term72 Months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
600 Jefferson St, Lafayette, LA, 70501
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
600 Jefferson St, Lafayette, LA, 70501
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
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MonitorBankRates
Louisiana Auto Loan Rate Trends
Compare local Louisiana 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 LA Avg
6.491%
▲ 0.007 vs 7 days ago
Louisiana new auto rates rose 0.007 points over the past 7 days to 6.491% APR.
Used Auto Loan LA Avg
6.744%
▼ 1.062 vs 7 days ago
Louisiana used auto rates fell 1.062 points over the past 7 days to 6.744% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Louisiana Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Louisiana figures.
Current New Auto Avg
6.49%
APR, as of Sep 22, 2026
6-Month Forecast
6.57%
Fed hold assumed
12-Month Forecast
6.64%
Range: 6.29% to 6.84%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Louisiana APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.49% APR LA average | Used Auto @ 6.74% APR LA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $293.43/mo | $295.21/mo | $1.78/mo |
| $25,000 | $489.05/mo | $492.01/mo | $2.97/mo |
| $35,000 | $684.67/mo | $688.82/mo | $4.15/mo |
| $45,000 | $880.29/mo | $885.63/mo | $5.34/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Louisiana
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Louisiana locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Louisiana. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Louisiana high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Louisiana CD rates lock in a guaranteed return until you’re ready to buy
Louisiana Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$40,534
Median Individual Earnings
National avg: $47,340
6.2%
Unemployment Rate
National avg: 4.8%
18.9%
Poverty Rate
National avg: 11.1%
$587/mo
Payment on a $30K / 60-mo Loan
At LA new-auto avg 6.49% APR
A $587 monthly car payment works out to roughly 17.4% of the median individual income in Louisiana. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Louisiana, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Louisiana. We’ve prefilled the APR with today’s LA new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Louisiana 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 Louisiana 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 Louisiana. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in LA.
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 Louisiana
How does my credit score affect my car loan rate in Louisiana?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Louisiana 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 Louisiana *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 Louisiana 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.
Should I get preapproved for an auto loan before visiting a dealer in Louisiana?
Yes. A preapproval from a bank or credit union serving Louisiana gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Louisiana can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Louisiana?
Based on our current data, some of the lowest auto loan rates available in Louisiana include:
- Fleur de Lis Federal Credit Union: 3.00% (New and Used Auto)
- CUSA Federal Credit Union: 3.25% (New Vehicles Loan)
- Riverland Federal Credit Union: 3.50% (Auto Loans - Cars, Trucks, & SUVs)
- Access Of Louisiana Federal Credit Union: 3.75% (New Car Loan)
- Tangipahoa Parish Teachers Credit Union: 3.90% (New Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Louisiana. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
Auto Loan Rates by City in Louisiana
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