Auto Loan Rates in Michigan (MI) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Michigan. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Michigan include United Federal Credit UnionUnited Federal Credit Union808 E Front St, Buchanan, MI, 49107 1444A+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%, ABD Federal Credit UnionABD Federal Credit Union27850 MOUND RD, WARREN, MI, 48092A+5.0 ★Texas Ratio: 2.06% offering New and Used Auto Loans at 3.25%, Chief Financial Federal Credit UnionChief Financial Federal Credit Union790 Joslyn Ave, Pontiac, MI, 48340 2918A+5.0 ★Texas Ratio: 3.24% offering Auto Loan at 3.99%, Extra Credit UnionExtra Credit Union6611 Chicago Rd, Warren, MI, 48092 1685A+5.0 ★Texas Ratio: 4.11% offering Vehicle Loans at 4.07%, 1166 Federal Credit Union1166 Federal Credit Union2900 Charlevoix Dr, Grand Rapids, MI, 49546A+5.0 ★Texas Ratio: 1.29% offering Auto Loans: New and Used - 36 Months at 4.24%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Michigan side-by-side. Michigan auto loan rates currently start as low as 2.99% APR from United Federal Credit Union at 808 E Front St, Buchanan, MI, 49107 1444. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Michigan. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Michigan
Michigan Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Auto Loan
3.99%
2025 and Newer
▼
APR3.99%
Term2025 and Newer
Last UpdatedJul 6, 2026
Details
As Low As; Rate for 2025 and Newer vehicles
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Extra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
6611 Chicago Rd, Warren, MI, 48092 1685
Vehicle Loans
4.07%
Up to 96 Months
▼
APR4.07%
TermUp to 96 Months
Last UpdatedJul 10, 2026
Details
As Low As; Specific rates are based on credit history and are determined after the application is reviewed. Costs vary from $45-$75 and are assessed by loan amount. 96 monthly payments of $12.19 per $1,000 borrowed.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 36 Months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedJul 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
4.24%
24-36 months
▼
APR4.24%
Term24-36 months
Last UpdatedJul 15, 2026
Details
Relationship Rate
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
New Car Loan
4.24%
Up to 72 months
▼
APR4.24%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
20855 Washington Ave, Onaway, MI, 49765
New Auto Loan
4.25%
12 to 60 Months
▼
APR4.25%
Term12 to 60 Months
Last UpdatedJul 15, 2026
Details
From 12 to 60 Months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
4.44%
up to 48 months
▼
APR4.44%
Termup to 48 months
Last UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2020 - 2026
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 6, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedJul 15, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
New Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedJul 6, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 36 Month
4.58%
36 Month
▼
APR4.58%
Term36 Month
Last UpdatedJul 15, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
4.60%
24 months
▼
APR4.60%
Term24 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $7,500
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
4.69%
49 - 60 months
▼
APR4.69%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2020 - 2026
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 60 Month
4.71%
60 Month
▼
APR4.71%
Term60 Month
Last UpdatedJul 15, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 72 Months
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Auto Loan
4.74%
?36 Months
▼
APR4.74%
Term?36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rates Effective as of:
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Auto Loan Special
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
Lock In a Rate as Low as 4.74% APR* for up to 72 Months. Payment Example : Monthly payments of $18.75 for each $1,000 borrowed at 4.74%1 APR* for 60 months.
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Rebuilt & Salvage Title Auto Loan
4.74%
?36
▼
APR4.74%
Term?36
Last UpdatedJul 6, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJul 6, 2026
Details
As Low As
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; Loan Amount: n/a
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
New Vehicles Loan
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Ignite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
755 Grand St, Allegan, MI, 49010 8027
Auto Loan
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; new or used
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
508 State St, Fremont, MI, 49412
New & Used Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2025-2023) Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 24 Month
4.74%
24 Month
▼
APR4.74%
Term24 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
New Auto Up To 72 Months
4.75%
72 M
▼
APR4.75%
Term72 M
Last UpdatedJul 10, 2026
Details
Apply Today
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 48 Month
4.76%
48 Month
▼
APR4.76%
Term48 Month
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
4.79%
49 to 60 Months
▼
APR4.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 49 to 60 Months
4.79%
49 to 60 Months
▼
APR4.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
4.80%
37 to 48 Months
▼
APR4.80%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 37 to 48 Months
4.80%
37 to 48 Months
▼
APR4.80%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
4.82%
Up to 36 Months
▼
APR4.82%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - Up to 36 Months
4.82%
Up to 36 Months
▼
APR4.82%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
4.85%
36 months
▼
APR4.85%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 72 Month
4.92%
72 Month
▼
APR4.92%
Term72 Month
Last UpdatedJul 15, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
4.94%
61 - 72 months
▼
APR4.94%
Term61 - 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2020 - 2026
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
24 months
▼
APR4.95%
Term24 months
Last UpdatedJul 15, 2026
Details
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
New Vehicles Loan
4.99%
Up to 75 months
▼
APR4.99%
TermUp to 75 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
New Vehicles 1-2 years old Loan
4.99%
Terms available up to 96 months
▼
APR4.99%
TermTerms available up to 96 months
Last UpdatedJul 14, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
Used Vehicles 1-2 years old Loan
4.99%
Terms available up to 84 months
▼
APR4.99%
TermTerms available up to 84 months
Last UpdatedJul 14, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
Used Vehicles 2-4 years old Loan
4.99%
Terms available up to 72 months
▼
APR4.99%
TermTerms available up to 72 months
Last UpdatedJul 14, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
508 State St, Fremont, MI, 49412
New & Used Vehicle Loan
4.99%
73 to 84 months
▼
APR4.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
New Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Used Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI, 48322
New Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Terms and conditions apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 24 Month
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
New Auto 73 To 84 Months
5.00%
84 M
▼
APR5.00%
Term84 M
Last UpdatedJul 10, 2026
Details
Apply Today
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
New Auto Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; For up to 36 months
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 15, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
72 months over $20,000 financed, 84 months over $40,000 financed
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 48 Month
5.00%
48 Month
▼
APR5.00%
Term48 Month
Last UpdatedJul 15, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
New Vehicle Loan
5.00%
24-84 Months*
▼
APR5.00%
Term24-84 Months*
Last UpdatedJul 15, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Used Vehicle Loan
5.00%
24-84 Months*
▼
APR5.00%
Term24-84 Months*
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.05%
36 months
▼
APR5.05%
Term36 months
Last UpdatedJul 15, 2026
Details
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
20855 Washington Ave, Onaway, MI, 49765
Used Auto Loan
5.05%
12 to 60 Months
▼
APR5.05%
Term12 to 60 Months
Last UpdatedJul 15, 2026
Details
From 12 to 60 Months
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
5.05%
60 months
▼
APR5.05%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 36 Month
5.08%
36 Month
▼
APR5.08%
Term36 Month
Last UpdatedJul 15, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
5.09%
up to 48 months
▼
APR5.09%
Termup to 48 months
Last UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2019 & older
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $15,000
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
5.19%
73 - 84 months
▼
APR5.19%
Term73 - 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2023 - 2026
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 60 Month
5.21%
60 Month
▼
APR5.21%
Term60 Month
Last UpdatedJul 15, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Auto Loan
5.24%
73-84 Months
▼
APR5.24%
Term73-84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rates Effective as of:
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Rebuilt & Salvage Title Auto Loan
5.24%
73-84
▼
APR5.24%
Term73-84
Last UpdatedJul 6, 2026
Details
As Low As
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedJul 6, 2026
Details
As Low As; $10,000.00 or greater
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedJul 11, 2026
Details
As Low As; Loan Amount: >15,000.00
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
New Vehicles Loan
5.24%
Up to 84 months
▼
APR5.24%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
Used Vehicles 5-6 years old Loan
5.24%
Terms available up to 72 months
▼
APR5.24%
TermTerms available up to 72 months
Last UpdatedJul 14, 2026
Details
Walled Lake Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
3095 S Commerce Rd, Wolverine Lake, MI, 48390 1418
Automobiles
5.24%
49 - 60 months
▼
APR5.24%
Term49 - 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Year/Amount: 2019 & older
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
5.24%
24-36 months
▼
APR5.24%
Term24-36 months
Last UpdatedJul 15, 2026
Details
Fixed Rate
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2022-2018) Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
Used Auto/Motocycle
5.25%
72 M
▼
APR5.25%
Term72 M
Last UpdatedJul 10, 2026
Details
Multiple Terms Available
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 48 Months Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 15, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Used Cars (2019-2021) Loan
5.29%
36-48 Months
▼
APR5.29%
Term36-48 Months
Last UpdatedJul 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 72 Month
5.43%
72 Month
▼
APR5.43%
Term72 Month
Last UpdatedJul 15, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.45%
60 months
▼
APR5.45%
Term60 months
Last UpdatedJul 15, 2026
Details
Chief Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
790 Joslyn Ave, Pontiac, MI, 48340 2918
Auto Loan
5.49%
2024-2017
▼
APR5.49%
Term2024-2017
Last UpdatedJul 6, 2026
Details
As Low As; Rate for 2024-2017 vehicles
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJul 6, 2026
Details
As Low As; $20,000.00 or greater
The Local Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
39139 Mound Rd, Sterling Heights, MI, 48310 2737
Auto Loans
5.49%
73 to 84 months
▼
APR5.49%
Term73 to 84 months
Last UpdatedJul 11, 2026
Details
As Low As; Loan Amount: >25,000.00
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Used Auto 2021 & Older
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Used Cars (2019-2021) Loan
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedJul 12, 2026
Details
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
New Vehicle Loan
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
100% Financing
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2021-2023 Model Years
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
5.54%
61 to 72 Months
▼
APR5.54%
Term61 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 61 to 72 Months
5.54%
61 to 72 Months
▼
APR5.54%
Term61 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 61 to 66 Months
5.54%
61 to 66 Months
▼
APR5.54%
Term61 to 66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.65%
72 months
▼
APR5.65%
Term72 months
Last UpdatedJul 15, 2026
Details
Some restrictions may apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 84 Month
5.65%
84 Month
▼
APR5.65%
Term84 Month
Last UpdatedJul 15, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Auto Loan
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rates Effective as of:
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Rebuilt & Salvage Title Auto Loan
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedJul 6, 2026
Details
As Low As
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Used Vehicles Loan
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2020-2017
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2017-2016) Loan
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI, 48176
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 60 Months Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 2023-2020 Up to 72 Months Loan
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
5.78%
73 to 84 Months
▼
APR5.78%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum $10,000 Loan; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 73 to 84 Months
5.78%
73 to 84 Months
▼
APR5.78%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2021 & Newer
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.79%
61 - 72 Months
▼
APR5.79%
Term61 - 72 Months
Last UpdatedJul 11, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.79%
61 - 72 Months
▼
APR5.79%
Term61 - 72 Months
Last UpdatedJul 11, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2016 - 2019
5.79%
48 Months
▼
APR5.79%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.80%
84 months
▼
APR5.80%
Term84 months
Last UpdatedJul 15, 2026
Details
Some restrictions may apply.
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
5.85%
84 months
▼
APR5.85%
Term84 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 84 Month
5.90%
84 Month
▼
APR5.90%
Term84 Month
Last UpdatedJul 15, 2026
Details
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
5.99%
Up to 96 months
▼
APR5.99%
TermUp to 96 months
Last UpdatedJul 6, 2026
Details
As Low As; $30,000.00 or greater
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Used Auto 2021 & Older
5.99%
61-72 Months
▼
APR5.99%
Term61-72 Months
Last UpdatedJul 11, 2026
Details
As Low As
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
Used Vehicles 7-10 years old Loan
5.99%
Terms available up to 60 months
▼
APR5.99%
TermTerms available up to 60 months
Last UpdatedJul 14, 2026
Details
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
5.99%
49-60 months
▼
APR5.99%
Term49-60 months
Last UpdatedJul 15, 2026
Details
Relationship Rate
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
New Cars and Trucks Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 72 Months Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 2023-2020 Up to 72 Months Loan
6.00%
Up to 72 Months
▼
APR6.00%
TermUp to 72 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
New Vehicle Loan
6.00%
37 to 60 months
▼
APR6.00%
Term37 to 60 months
Last UpdatedJul 15, 2026
Details
100% Financing
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
Used Vehicle Loan
6.00%
Up to 36 months
▼
APR6.00%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
Within 5 years
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New Only - 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJul 6, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Used Vehicles Loan
6.24%
Up to 72 months
▼
APR6.24%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2020-2017
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
6.24%
37-48 months
▼
APR6.24%
Term37-48 months
Last UpdatedJul 15, 2026
Details
Fixed Rate
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 2020-2017 Up to 60 Months Loan
6.25%
Up to 60 Months
▼
APR6.25%
TermUp to 60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Used Cars (2019-2021) Loan
6.29%
67-75 Months
▼
APR6.29%
Term67-75 Months
Last UpdatedJul 12, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 2017 and Older 36 Month
6.34%
36 Month
▼
APR6.34%
Term36 Month
Last UpdatedJul 15, 2026
Details
EastRise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
500 E Lafayette Blvd, Detroit, MI, 48226
Green Vehicle Loan
6.35%
96 months
▼
APR6.35%
Term96 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = annual percentage rate and reflects the current minimum APR offered.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 2017 and Older 60 Month
6.46%
60 Month
▼
APR6.46%
Term60 Month
Last UpdatedJul 15, 2026
Details
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
6.49%
Up to 108 months
▼
APR6.49%
TermUp to 108 months
Last UpdatedJul 6, 2026
Details
As Low As; $30,000.00 or greater
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New Auto
6.49%
85-96 Months
▼
APR6.49%
Term85-96 Months
Last UpdatedJul 11, 2026
Details
As Low As
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Used Auto 2021 & Older
6.49%
73-84 Months
▼
APR6.49%
Term73-84 Months
Last UpdatedJul 11, 2026
Details
As Low As
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
Used Vehicle Loan
6.49%
37 to 60 months
▼
APR6.49%
Term37 to 60 months
Last UpdatedJul 15, 2026
Details
Within 5 years
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 2017 and Older 24 Month
6.49%
24 Month
▼
APR6.49%
Term24 Month
Last UpdatedJul 15, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 2017 and Older 48 Month
6.51%
48 Month
▼
APR6.51%
Term48 Month
Last UpdatedJul 15, 2026
Details
Eaton Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
122 W Main St, Stockbridge, MI, 49285
Auto Loans
6.60%
Up to 84 Months
▼
APR6.60%
TermUp to 84 Months
Last UpdatedJul 14, 2026
Details
As Low As
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
Auto Loan 2025 or Newer
6.69%
Max. 60 months
▼
APR6.69%
TermMax. 60 months
Last UpdatedJul 11, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 48 Months Loan
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 60 Months Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 84 Months Loan
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
2023 & Newer Auto Loan
6.79%
Up to 180 months
▼
APR6.79%
TermUp to 180 months
Last UpdatedJul 14, 2026
Details
Minimum loan amount of $15,000
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Classic Cars Loan
6.79%
60 Months
▼
APR6.79%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2015 & older
6.79%
36 Months
▼
APR6.79%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.39%
638 Boyd St, Fife Lake, MI, 49633 9333
2016-2020 Used Auto
6.94%
48 months
▼
APR6.94%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; 7.54% - 60 months
United Bay Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.69%
1309 N Lincoln St, Bay City, MI, 48708 6172
Vehicle Loan
6.99%
Up to 120 months
▼
APR6.99%
TermUp to 120 months
Last UpdatedJul 6, 2026
Details
As Low As; $30,000.00 or greater
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Used Vehicles Loan
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2016 & older
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Older Cars (2010-2018) Loan
6.99%
36-48 Months
▼
APR6.99%
Term36-48 Months
Last UpdatedJul 12, 2026
Details
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Used Cars (2019-2021) Loan
6.99%
76-84 Months
▼
APR6.99%
Term76-84 Months
Last UpdatedJul 12, 2026
Details
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
6.99%
49-60 months
▼
APR6.99%
Term49-60 months
Last UpdatedJul 15, 2026
Details
Fixed Rate
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 84 Months Loan
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 2020-2017 Up to 60 Months Loan
7.00%
Up to 60 Months
▼
APR7.00%
TermUp to 60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
New Vehicle Loan
7.00%
61 to 72 months
▼
APR7.00%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
100% Financing
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
Older Used Vehicle Loan
7.00%
Up to 60 months
▼
APR7.00%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Within 10 years
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
Auto Loan 2025 or Newer
7.22%
Max. 72 months
▼
APR7.22%
TermMax. 72 months
Last UpdatedJul 11, 2026
Details
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Older Cars (2010-2018) Loan
7.49%
49-66 Months
▼
APR7.49%
Term49-66 Months
Last UpdatedJul 12, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
4550 STATE ST, SAGINAW, MI, 48603
Sport Vehicle Loan
7.49%
up to 24 months
▼
APR7.49%
Termup to 24 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = Annual Percentage Rate. Rates, terms and conditions vary based on each member's creditworthiness, underwriting standards and collateral conditions. All loans are subject to credit approval. The estimated monthly payment per $1,000 borrowed at 7.49% APR for a term of 24 months would require 24 monthly payments of $45.01 based on 30 days to first payment. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503.
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
New and Used Auto Loans
7.74%
Up to 36 Months
▼
APR7.74%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As;1
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
Rebuilt & Salvage Title Auto Loan
7.74%
?36 Months
▼
APR7.74%
Term?36 Months
Last UpdatedJul 6, 2026
Details
As Low As
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 60 Months Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
Auto Loan 2018 - 2024
7.76%
Max. 48 months
▼
APR7.76%
TermMax. 48 months
Last UpdatedJul 11, 2026
Details
Health Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
4550 STATE ST, SAGINAW, MI, 48603
Sport Vehicle Loan
7.99%
36 months
▼
APR7.99%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; APR = Annual Percentage Rate. Rates, terms and conditions vary based on each member's creditworthiness, underwriting standards and collateral conditions. All loans are subject to credit approval. The estimated monthly payment per $1,000 borrowed at 7.49% APR for a term of 24 months would require 24 monthly payments of $45.01 based on 30 days to first payment. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Call the credit union for full details at 989-791-7070 ext. 3503.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 72 Months Loan
8.00%
72 Months
▼
APR8.00%
Term72 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 20166-2012 Up to 48 Months Loan
8.00%
Up to 48 Months
▼
APR8.00%
TermUp to 48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2018-2020 Model Years
8.05%
Up to 48 months
▼
APR8.05%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 84 Months Loan
8.25%
84 Months
▼
APR8.25%
Term84 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 20166-2012 Up to 48 Months Loan
8.25%
Up to 48 Months
▼
APR8.25%
TermUp to 48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
Powered by
MonitorBankRates
Michigan New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 36 Months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedJul 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
4.24%
24-36 months
▼
APR4.24%
Term24-36 months
Last UpdatedJul 15, 2026
Details
Relationship Rate
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
New Car Loan
4.24%
Up to 72 months
▼
APR4.24%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
20855 Washington Ave, Onaway, MI, 49765
New Auto Loan
4.25%
12 to 60 Months
▼
APR4.25%
Term12 to 60 Months
Last UpdatedJul 15, 2026
Details
From 12 to 60 Months
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 6, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Auto
4.49%
48 MO
▼
APR4.49%
Term48 MO
Last UpdatedJul 15, 2026
Details
Consumers Professional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
525 W Willow St, Lansing, MI, 48906 4745
New Auto Loan
4.55%
24 Months
▼
APR4.55%
Term24 Months
Last UpdatedJul 6, 2026
Details
As Low As
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 36 Month
4.58%
36 Month
▼
APR4.58%
Term36 Month
Last UpdatedJul 15, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $7,500
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 60 Month
4.71%
60 Month
▼
APR4.71%
Term60 Month
Last UpdatedJul 15, 2026
Details
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 72 Months
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
New Vehicles Loan
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
508 State St, Fremont, MI, 49412
New & Used Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 24 Month
4.74%
24 Month
▼
APR4.74%
Term24 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
New Auto Up To 72 Months
4.75%
72 M
▼
APR4.75%
Term72 M
Last UpdatedJul 10, 2026
Details
Apply Today
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 48 Month
4.76%
48 Month
▼
APR4.76%
Term48 Month
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
4.79%
49 to 60 Months
▼
APR4.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
4.80%
37 to 48 Months
▼
APR4.80%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
4.82%
Up to 36 Months
▼
APR4.82%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 72 Month
4.92%
72 Month
▼
APR4.92%
Term72 Month
Last UpdatedJul 15, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
24 months
▼
APR4.95%
Term24 months
Last UpdatedJul 15, 2026
Details
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
New Vehicles Loan
4.99%
Up to 75 months
▼
APR4.99%
TermUp to 75 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; New Auto 2025 + Newer Only
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
New Vehicles 1-2 years old Loan
4.99%
Terms available up to 96 months
▼
APR4.99%
TermTerms available up to 96 months
Last UpdatedJul 14, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
508 State St, Fremont, MI, 49412
New & Used Vehicle Loan
4.99%
73 to 84 months
▼
APR4.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
New Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Southeast Michigan State Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
6230 Orchard Lake Rd, West Bloomfield, MI, 48322
New Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
As Low As; Terms and conditions apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
New Auto 73 To 84 Months
5.00%
84 M
▼
APR5.00%
Term84 M
Last UpdatedJul 10, 2026
Details
Apply Today
Great Lakes First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
2110 3rd Ave N, Escanaba, MI, 49829 2333
New Auto Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 15, 2026
Details
As Low As; For up to 36 months
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
New Auto
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 15, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
New Vehicle Loan
5.00%
24-84 Months*
▼
APR5.00%
Term24-84 Months*
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.05%
36 months
▼
APR5.05%
Term36 months
Last UpdatedJul 15, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $15,000
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
New Vehicles Loan
5.24%
Up to 84 months
▼
APR5.24%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2026-2021
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
5.24%
24-36 months
▼
APR5.24%
Term24-36 months
Last UpdatedJul 15, 2026
Details
Fixed Rate
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
New Autos
5.24%
84 Months
▼
APR5.24%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 48 Months Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.45%
60 months
▼
APR5.45%
Term60 months
Last UpdatedJul 15, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
34200 Utica Rd, Fraser, MI, 48026
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
New Vehicle Loan
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
100% Financing
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
5.54%
61 to 72 Months
▼
APR5.54%
Term61 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.65%
72 months
▼
APR5.65%
Term72 months
Last UpdatedJul 15, 2026
Details
Some restrictions may apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
New Auto 84 Month
5.65%
84 Month
▼
APR5.65%
Term84 Month
Last UpdatedJul 15, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI, 48176
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 36 Months Loan
5.75%
36 Months
▼
APR5.75%
Term36 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 60 Months Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
New Auto Loan
5.78%
73 to 84 Months
▼
APR5.78%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum $10,000 Loan; Eligible for Take-Back
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - New
5.79%
61 - 72 Months
▼
APR5.79%
Term61 - 72 Months
Last UpdatedJul 11, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.80%
84 months
▼
APR5.80%
Term84 months
Last UpdatedJul 15, 2026
Details
Some restrictions may apply.
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
5.99%
49-60 months
▼
APR5.99%
Term49-60 months
Last UpdatedJul 15, 2026
Details
Relationship Rate
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
New Cars and Trucks Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 72 Months Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
New Vehicle Loan
6.00%
37 to 60 months
▼
APR6.00%
Term37 to 60 months
Last UpdatedJul 15, 2026
Details
100% Financing
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New Only - 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJul 6, 2026
Details
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
6.24%
37-48 months
▼
APR6.24%
Term37-48 months
Last UpdatedJul 15, 2026
Details
Fixed Rate
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New Auto
6.49%
85-96 Months
▼
APR6.49%
Term85-96 Months
Last UpdatedJul 11, 2026
Details
As Low As
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
Auto Loan 2025 or Newer
6.69%
Max. 60 months
▼
APR6.69%
TermMax. 60 months
Last UpdatedJul 11, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 48 Months Loan
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 60 Months Loan
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 84 Months Loan
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Highpoint Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
435 Arlington St, Middleville, MI, 49333
2023 & Newer Auto Loan
6.79%
Up to 180 months
▼
APR6.79%
TermUp to 180 months
Last UpdatedJul 14, 2026
Details
Minimum loan amount of $15,000
Chiropractic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
23617 Liberty St, Farmington, MI, 48335
New Auto Loans
6.99%
49-60 months
▼
APR6.99%
Term49-60 months
Last UpdatedJul 15, 2026
Details
Fixed Rate
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 84 Months Loan
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
New Vehicle Loan
7.00%
61 to 72 months
▼
APR7.00%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
100% Financing
First State Bank (MI)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
16100 E 9 Mile Rd, Eastpointe, MI, 48021
Auto Loan 2025 or Newer
7.22%
Max. 72 months
▼
APR7.22%
TermMax. 72 months
Last UpdatedJul 11, 2026
Details
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
New and Used Auto Loans
7.74%
Up to 36 Months
▼
APR7.74%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As;1
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 60 Months Loan
7.75%
60 Months
▼
APR7.75%
Term60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 72 Months Loan
8.00%
72 Months
▼
APR8.00%
Term72 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
New Vehicles 2024-2026 (untitled or <10,000 miles) 84 Months Loan
8.25%
84 Months
▼
APR8.25%
Term84 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Crystal; Credit Score: 669 - 620
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Michigan Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 36 Months
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedJul 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
27850 MOUND RD, WARREN, MI, 48092
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJul 14, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJul 6, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.49%
5 Years
▼
APR4.49%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $7,500
1166 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
2900 Charlevoix Dr, Grand Rapids, MI, 49546
Auto Loans: New and Used - 72 Months
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJul 6, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.74%
5 Years
▼
APR4.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
508 State St, Fremont, MI, 49412
New & Used Vehicle Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2025-2023) Loan
4.74%
Up to 72 months
▼
APR4.74%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedJul 11, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 49 to 60 Months
4.79%
49 to 60 Months
▼
APR4.79%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 37 to 48 Months
4.80%
37 to 48 Months
▼
APR4.80%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - Up to 36 Months
4.82%
Up to 36 Months
▼
APR4.82%
TermUp to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
4.95%
24 months
▼
APR4.95%
Term24 months
Last UpdatedJul 15, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
Used Vehicles 1-2 years old Loan
4.99%
Terms available up to 84 months
▼
APR4.99%
TermTerms available up to 84 months
Last UpdatedJul 14, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
Used Vehicles 2-4 years old Loan
4.99%
Terms available up to 72 months
▼
APR4.99%
TermTerms available up to 72 months
Last UpdatedJul 14, 2026
Details
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
508 State St, Fremont, MI, 49412
New & Used Vehicle Loan
4.99%
73 to 84 months
▼
APR4.99%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As Low As; Model Years 2016 - 2026
Warren Municipal Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.74%
31300 Hoover Rd, Warren, MI, 48093 1774
Used Cars and Trucks Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
Secured Loan Pricing - Base Rates (as low as)
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 24 Month
4.99%
24 Month
▼
APR4.99%
Term24 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2020 & newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2024-2026 Model Years
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
72 months over $20,000 financed, 84 months over $40,000 financed
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 48 Month
5.00%
48 Month
▼
APR5.00%
Term48 Month
Last UpdatedJul 15, 2026
Details
Dowagiac Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
473 E Division St, Dowagiac, MI, 49047 1541
Used Vehicle Loan
5.00%
24-84 Months*
▼
APR5.00%
Term24-84 Months*
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.04%
37 - 48 Months
▼
APR5.04%
Term37 - 48 Months
Last UpdatedJul 11, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.05%
36 months
▼
APR5.05%
Term36 months
Last UpdatedJul 15, 2026
Details
Awakon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
20855 Washington Ave, Onaway, MI, 49765
Used Auto Loan
5.05%
12 to 60 Months
▼
APR5.05%
Term12 to 60 Months
Last UpdatedJul 15, 2026
Details
From 12 to 60 Months
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 36 Month
5.08%
36 Month
▼
APR5.08%
Term36 Month
Last UpdatedJul 15, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
2955 University Dr, Auburn Hills, MI, 48326
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $15,000
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 60 Month
5.21%
60 Month
▼
APR5.21%
Term60 Month
Last UpdatedJul 15, 2026
Details
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
Used Vehicles 5-6 years old Loan
5.24%
Terms available up to 72 months
▼
APR5.24%
TermTerms available up to 72 months
Last UpdatedJul 14, 2026
Details
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2022-2018) Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
As Low As
Tahquamenon Area Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
N 6747 M117, Engadine, MI, 49827
Used Auto/Motocycle
5.25%
72 M
▼
APR5.25%
Term72 M
Last UpdatedJul 10, 2026
Details
Multiple Terms Available
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.25%
48 months
▼
APR5.25%
Term48 months
Last UpdatedJul 15, 2026
Details
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.29%
49 - 60 Months
▼
APR5.29%
Term49 - 60 Months
Last UpdatedJul 11, 2026
Details
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Used Cars (2019-2021) Loan
5.29%
36-48 Months
▼
APR5.29%
Term36-48 Months
Last UpdatedJul 12, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2016 - 2019
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
808 E Front St, Buchanan, MI, 49107 1444
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 72 Month
5.43%
72 Month
▼
APR5.43%
Term72 Month
Last UpdatedJul 15, 2026
Details
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.45%
60 months
▼
APR5.45%
Term60 months
Last UpdatedJul 15, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Used Auto 2021 & Older
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Used Cars (2019-2021) Loan
5.49%
49-66 Months
▼
APR5.49%
Term49-66 Months
Last UpdatedJul 12, 2026
Details
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2021-2023 Model Years
5.50%
Up to 60 months
▼
APR5.50%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 61 to 72 Months
5.54%
61 to 72 Months
▼
APR5.54%
Term61 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 61 to 66 Months
5.54%
61 to 66 Months
▼
APR5.54%
Term61 to 66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2015 & Newer
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.65%
72 months
▼
APR5.65%
Term72 months
Last UpdatedJul 15, 2026
Details
Some restrictions may apply.
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Used Vehicles Loan
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2020-2017
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
New and Used Auto (5 years and newer)
5.74%
5 Years
▼
APR5.74%
Term5 Years
Last UpdatedJul 11, 2026
Details
As Low As
Ukrainian Selfreliance Michigan Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
26791 Ryan Rd, Warren, MI, 48091 4073
Used Car (2017-2016) Loan
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Toyota Technical Center, Saline, MI, 48176
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 2023-2020 Up to 72 Months Loan
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Jolt Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
6180 State St, Saginaw, MI, 48603
Used Auto Loan - 73 to 84 Months
5.78%
73 to 84 Months
▼
APR5.78%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Eligible for Take-Back; 2021 & Newer
Dort Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
9048 HOLLY RD, GRAND BLANC, MI, 48439
Autos - Used
5.79%
61 - 72 Months
▼
APR5.79%
Term61 - 72 Months
Last UpdatedJul 11, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2016 - 2019
5.79%
48 Months
▼
APR5.79%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
TruNorth Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
1419 N 2nd St, Ishpeming, MI, 49849 1149
New & Used Autos
5.80%
84 months
▼
APR5.80%
Term84 months
Last UpdatedJul 15, 2026
Details
Some restrictions may apply.
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 84 Month
5.90%
84 Month
▼
APR5.90%
Term84 Month
Last UpdatedJul 15, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Used Auto 2021 & Older
5.99%
61-72 Months
▼
APR5.99%
Term61-72 Months
Last UpdatedJul 11, 2026
Details
As Low As
GRAND TRUNK BATTLE CREEK EMP
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
1275 Raymond Rd N, Battle Creek, MI, 49014
Used Vehicles 7-10 years old Loan
5.99%
Terms available up to 60 months
▼
APR5.99%
TermTerms available up to 60 months
Last UpdatedJul 14, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 2023-2020 Up to 72 Months Loan
6.00%
Up to 72 Months
▼
APR6.00%
TermUp to 72 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
Used Vehicle Loan
6.00%
Up to 36 months
▼
APR6.00%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
Within 5 years
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Used Vehicles Loan
6.24%
Up to 72 months
▼
APR6.24%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2020-2017
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 2020-2017 Up to 60 Months Loan
6.25%
Up to 60 Months
▼
APR6.25%
TermUp to 60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Used Cars (2019-2021) Loan
6.29%
67-75 Months
▼
APR6.29%
Term67-75 Months
Last UpdatedJul 12, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 2017 and Older 36 Month
6.34%
36 Month
▼
APR6.34%
Term36 Month
Last UpdatedJul 15, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 2017 and Older 60 Month
6.46%
60 Month
▼
APR6.46%
Term60 Month
Last UpdatedJul 15, 2026
Details
TRUE Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.97%
2055 Spring Arbor Rd, Jackson, MI, 49203
Used Auto 2021 & Older
6.49%
73-84 Months
▼
APR6.49%
Term73-84 Months
Last UpdatedJul 11, 2026
Details
As Low As
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
Used Vehicle Loan
6.49%
37 to 60 months
▼
APR6.49%
Term37 to 60 months
Last UpdatedJul 15, 2026
Details
Within 5 years
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 2017 and Older 24 Month
6.49%
24 Month
▼
APR6.49%
Term24 Month
Last UpdatedJul 15, 2026
Details
Breakwater Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
700 E Sharon Ave, Houghton, MI, 49931 1618
Used Auto 2017 and Older 48 Month
6.51%
48 Month
▼
APR6.51%
Term48 Month
Last UpdatedJul 15, 2026
Details
Shore to Shore Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.03%
4550 Division St, Trenton, MI, 48183
Used Auto 2015 & older
6.79%
36 Months
▼
APR6.79%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Some restrictions may apply.
Forest Area Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.39%
638 Boyd St, Fife Lake, MI, 49633 9333
2016-2020 Used Auto
6.94%
48 months
▼
APR6.94%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; 7.54% - 60 months
Financial Plus Credit Union Flint, MI
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
G3381 Van Slyke Rd, Flint, MI, 48507 3263
Used Vehicles Loan
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; Loyalty Discount; Model Year 2016 & older
Power One Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.67%
5811 Red Arrow Hwy, Stevensville, MI, 49127 1142
Used Cars (2019-2021) Loan
6.99%
76-84 Months
▼
APR6.99%
Term76-84 Months
Last UpdatedJul 12, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 2020-2017 Up to 60 Months Loan
7.00%
Up to 60 Months
▼
APR7.00%
TermUp to 60 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
San Mateo City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
3031 Airpark Dr N, Flint, MI, 48507
Older Used Vehicle Loan
7.00%
Up to 60 months
▼
APR7.00%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Within 10 years
People Driven Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
24333 Lahser Rd, Southfield, MI, 48033 6041
New and Used Auto Loans
7.74%
Up to 36 Months
▼
APR7.74%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As;1
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 20166-2012 Up to 48 Months Loan
8.00%
Up to 48 Months
▼
APR8.00%
TermUp to 48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Gold; Credit Score: 730 and Up
Jessop Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
5600 Crooks Rd Ste 101, Troy, MI, 48098 2803
Used Auto: 2018-2020 Model Years
8.05%
Up to 48 months
▼
APR8.05%
TermUp to 48 months
Last UpdatedJul 15, 2026
Details
Pittsburgh Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
6000 28th St SE, GRAND RAPIDS, MI, 49546
Used Vehicles 20166-2012 Up to 48 Months Loan
8.25%
Up to 48 Months
▼
APR8.25%
TermUp to 48 Months
Last UpdatedJul 12, 2026
Details
Credit Level: Silver; Credit Score: 729 - 670
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MonitorBankRates
Michigan Auto Loan Rate Trends
Compare local Michigan 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 — MI Avg
5.718%
▲ 0.112 vs 7 days ago
Michigan new auto rates rose 0.112 points over the past 7 days to 5.718% APR.
Used Auto Loan — MI Avg
6.388%
▲ 0.257 vs 7 days ago
Michigan used auto rates rose 0.257 points over the past 7 days to 6.388% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Michigan 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 Michigan 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 Michigan. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MI.
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 Michigan
How does my credit score affect my car loan rate in Michigan?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Michigan 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 Michigan *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 Michigan typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Michigan?
Based on our current data, some of the lowest auto loan rates available in Michigan include:
- United Federal Credit Union: 2.99% (Auto Loan)
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
- Chief Financial Federal Credit Union: 3.99% (Auto Loan)
- Extra Credit Union: 4.07% (Vehicle Loans)
- 1166 Federal Credit Union: 4.24% (Auto Loans: New and Used - 36 Months)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Michigan. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 15, 2026
Auto Loan Rates by City in Michigan
Rate Assistant
MonitorBankRates.com · Live Data
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