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North Carolina Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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 North Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in North Carolina include United Federal Credit UnionUnited Federal Credit Union209 Turnersburg Hwy, Statesville, NC, 28625 2797A+5.0 ★Texas Ratio: 3.23% offering Auto Loan at 2.99%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 Gregson Dr, Cary, NC, 27511A+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%, CS Credit UnionCS Credit Union6519 Comm Scope Rd, Catawba, NC, 28609A+5.0 ★Texas Ratio: 0.26% offering New & Used Vehicles Loan at 3.50%, Baxter Credit UnionBaxter Credit Union67 Pitts Station Rd, Marion, NC, 28752 7925A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%, State Employees Credit UnionState Employees Credit Union1125 ACADEMY ST N, AHOSKIE, NC, 27910A5.0 ★Texas Ratio: 8.54% offering New auto loans at 3.75%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across North Carolina side-by-side. North Carolina auto loan rates currently start as low as 2.99% APR from United Federal Credit Union at 209 Turnersburg Hwy, Statesville, NC, 28625 2797. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in North Carolina. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in North Carolina
North Carolina 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: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedSep 18, 2026
Details
with autopay from a United checking account.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 Gregson Dr, Cary, NC, 27511
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
3.50%
Up to 48 Months
▼
APR3.50%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedSep 18, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.56%
1 Floretta Pl, Raleigh, NC, 27676 9803
Vehicle Loans
3.75%
36 Month Term
▼
APR3.75%
Interest Rate3.75%
Term36 Month Term
Last UpdatedSep 18, 2026
Details
As low as with Relationship Rewards
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
3.79%
0-36 Months
▼
APR3.79%
Term0-36 Months
Last UpdatedSep 20, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 Gregson Dr, Cary, NC, 27511
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2027-2025; As low as
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedSep 20, 2026
Details
As Low As
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
New Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedSep 18, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
New Auto
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 Gregson Dr, Cary, NC, 27511
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 18, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
119 N Salisbury St, Raleigh, NC, 27603 1739
New auto loan
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
5870 Samet Dr Ste 113, High Point, NC, 27265 3647
New Auto Loan
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
1700 Russ Ave, Waynesville, NC, 28786 5807
Auto Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.49%
49 to 66 months
▼
APR4.49%
Term49 to 66 months
Last UpdatedSep 18, 2026
Details
Model Year: 2027-2025; MOST POPULAR
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
New Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; The offer is good on 2019 to 2026 year models. The vehicle must be reporting on your credit for at least six months. The minimum loan amount for this offer is $5,000. Terms and conditions apply.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★ Texas Ratio: 58.52%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedSep 18, 2026
Details
Finance up to 80% of MSRP according to Black Book
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 18, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans - 36 months
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 18, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedSep 20, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
4.50%
3 years
▼
APR4.50%
Term3 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.50%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
4.50%
4 years
▼
APR4.50%
Term4 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.50%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
4.50%
48 Mos.
▼
APR4.50%
Term48 Mos.
Last UpdatedSep 21, 2026
Details
Score: A+ = 750+
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
4.50%
12-36 Months
▼
APR4.50%
Term12-36 Months
Last UpdatedSep 21, 2026
Details
As Low As; *
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as***; Loan Type: New Vehicles
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.55%
Up to 72 Months
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2020 or Newer**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans - 2022 - 2024
4.64%
0 - 36 Months
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.64%
Up to 48 months
▼
APR4.64%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024-2022; As low as
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
4.69%
1-60 Months
▼
APR4.69%
Term1-60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2000 John Deere Run, Cary, NC, 27513
60 Month New Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
4.74%
49 to 60 Months
▼
APR4.74%
Term49 to 60 Months
Last UpdatedSep 21, 2026
Details
Greensboro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
New Vehicle Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 18, 2026
Details
Term: 36 months - 84 months; Must be prior, current or upcoming year model with 10,000 miles or less. Members must be at least 18 years of age or older to be eligible for lending services. The vehicle title will held as collateral until the loan is repaid and may be paid at anytime without penalty.
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans - 48 months
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedSep 18, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Current or Prior Year - less than 10,000 miles
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Less than 140,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
4.75%
Up to 36 months
▼
APR4.75%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
4.75%
5 years
▼
APR4.75%
Term5 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
4.75%
3 years
▼
APR4.75%
Term3 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
4.75%
4 years
▼
APR4.75%
Term4 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 4.75%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
4.75%
60 Mos.
▼
APR4.75%
Term60 Mos.
Last UpdatedSep 21, 2026
Details
Score: A+ = 750+
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2020-2021
4.75%
max term 54 months
▼
APR4.75%
Termmax term 54 months
Last UpdatedSep 21, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
119 N Salisbury St, Raleigh, NC, 27603 1739
New auto loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.84%
67 to 84 months
▼
APR4.84%
Term67 to 84 months
Last UpdatedSep 18, 2026
Details
Model Year: 2027-2025; LOWER PAYMENT
TCP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
New Auto Loan
4.85%
Up to 84 Months
▼
APR4.85%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As low as; New Auto
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
4.94%
24-48 months
▼
APR4.94%
Term24-48 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
Summit Credit Union Greensboro, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
4.99%
Up to 48 Months
▼
APR4.99%
Interest Rate4.99%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Rates as Low as; Fixed
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2025 - 2027
4.99%
Up to 54 months
▼
APR4.99%
TermUp to 54 months
Last UpdatedSep 18, 2026
Details
Year: 2025 - 2027
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
4.99%
49 - 60 Months
▼
APR4.99%
Term49 - 60 Months
Last UpdatedSep 20, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
4.99%
37 - 48 Months
▼
APR4.99%
Term37 - 48 Months
Last UpdatedSep 20, 2026
Details
As Low As
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Vehicle Loan
4.99%
1-48 months
▼
APR4.99%
Term1-48 months
Last UpdatedSep 21, 2026
Details
As low as
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedSep 21, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Used Auto
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
1823 Banking St, Greensboro, NC, 27408
Vehicle Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 21, 2026
Details
Don't forget that we may meet or beat your current auto loan rate with other financial institutions; As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
Credit Scores 780 & Higher
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
New Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
Used Auto Loans
4.99%
0 - 48 months
▼
APR4.99%
Term0 - 48 months
Last UpdatedSep 21, 2026
Details
Rates as low as; Used Auto Loans (2 - 10 years)
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans - 60 months
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 18, 2026
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
1777 Link Rd, Winston Salem, NC, 27103 4625
New Autos
5.00%
Up to 84 Months
▼
APR5.00%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedSep 18, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.00%
6 years
▼
APR5.00%
Term6 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.00%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.00%
5 years
▼
APR5.00%
Term5 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.00%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.00%
72 Mos.
▼
APR5.00%
Term72 Mos.
Last UpdatedSep 21, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.00%
48 Mos.
▼
APR5.00%
Term48 Mos.
Last UpdatedSep 21, 2026
Details
Score: A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 60 Mos Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ | 750+
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; *
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
119 N Salisbury St, Raleigh, NC, 27603 1739
New auto loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as; ***
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
882 16th St NE, Hickory, NC, 28601
New and Current Model Auto Loan
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.00% - 11.25%. As Low As; 4.50%
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 84 Months
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2022 or Newer; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Vehicle Loan
5.09%
49-60 months
▼
APR5.09%
Term49-60 months
Last UpdatedSep 21, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans - 2022 - 2024
5.14%
37 - 75 Months
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.14%
49 to 66 months
▼
APR5.14%
Term49 to 66 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024-2022; MOST POPULAR
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
New Auto Loans - 2025 - Newer
5.14%
36 - 63 Months
▼
APR5.14%
Term36 - 63 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.14% - 16.74%. Model Year: 2025 - Newer
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
5.14%
49-60 months
▼
APR5.14%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
Pre-Owned (2020 Auto Loan
5.14%
24-48 months
▼
APR5.14%
Term24-48 months
Last UpdatedSep 21, 2026
Details
Model Years: Pre-Owned (2020+)
Summit Credit Union Greensboro, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
5.19%
49 to 60 Months
▼
APR5.19%
Interest Rate5.19%
Term49 to 60 Months
Last UpdatedSep 18, 2026
Details
Rates as Low as; Fixed
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2025 - 2027
5.19%
Up to 66 months
▼
APR5.19%
TermUp to 66 months
Last UpdatedSep 18, 2026
Details
Year: 2025 - 2027
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.19%
1-66 months
▼
APR5.19%
Term1-66 months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft APR: 4.69%
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.19%
1-60 Months
▼
APR5.19%
Term1-60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Non-Payroll Deduction; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.20%
61-66 Months
▼
APR5.20%
Term61-66 Months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
401 W Innes St, Salisbury, NC, 28144
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
1200 E Church St, Cherryville, NC, 28021 9211
New Car Loans
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedSep 18, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles (2021 - 2024)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
5.24%
73 to 84 Months
▼
APR5.24%
Term73 to 84 Months
Last UpdatedSep 21, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Used Auto
5.24%
49 to 60 Months
▼
APR5.24%
Term49 to 60 Months
Last UpdatedSep 21, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedSep 18, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans - 72 months
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedSep 18, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Current or Prior Year - less than 10,000 miles
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used Auto
5.25%
Up to 60 Months
▼
APR5.25%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Less than 100,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
5.25%
49 - 60 Months
▼
APR5.25%
Term49 - 60 Months
Last UpdatedSep 20, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.25%
7 years
▼
APR5.25%
Term7 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.25%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.25%
6 years
▼
APR5.25%
Term6 years
Last UpdatedSep 20, 2026
Details
APR* as low as: 5.25%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.25%
60 Mos.
▼
APR5.25%
Term60 Mos.
Last UpdatedSep 21, 2026
Details
Score: A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 72 Mos Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ | 750+
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedSep 21, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
5.25%
61 Months
▼
APR5.25%
Term61 Months
Last UpdatedSep 21, 2026
Details
Term: 61 Months - 84 Months; As low as***; Loan Type: New Vehicles
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
882 16th St NE, Hickory, NC, 28601
New and Current Model Auto Loan
5.25%
49-60 Months
▼
APR5.25%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.25% - 12.50%. As Low As; 4.50%
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2023 - 2024
5.29%
Up to 54 months
▼
APR5.29%
TermUp to 54 months
Last UpdatedSep 18, 2026
Details
Year: 2023 - 2024
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.34%
Up to 48 months
▼
APR5.34%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2021-2019; As low as
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
Pre-Owned (2020 Auto Loan
5.34%
49-60 months
▼
APR5.34%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Model Years: Pre-Owned (2020+)
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.35%
67-75 Months
▼
APR5.35%
Term67-75 Months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
100 N Tryon St, Charlotte, NC, 28202
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2020 - 2022
5.44%
Up to 54 months
▼
APR5.44%
TermUp to 54 months
Last UpdatedSep 18, 2026
Details
Year: 2020 - 2022
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2020 - 2022
5.44%
Up to 66 months
▼
APR5.44%
TermUp to 66 months
Last UpdatedSep 18, 2026
Details
Year: 2020 - 2022
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2023 - 2024
5.44%
Up to 66 months
▼
APR5.44%
TermUp to 66 months
Last UpdatedSep 18, 2026
Details
Year: 2023 - 2024
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.49%
67 to 84 months
▼
APR5.49%
Term67 to 84 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024-2022; LOWER PAYMENT
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
5.49%
67-72 months
▼
APR5.49%
Term67-72 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
562 Caratoke Hwy, Moyock, NC, 27958 8740
Vehicle Loan
5.49%
67-75 months
▼
APR5.49%
Term67-75 months
Last UpdatedSep 21, 2026
Details
**72+ months over $20,000
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedSep 21, 2026
Details
As low as
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Used Auto
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedSep 21, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★ Texas Ratio: 58.52%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 18, 2026
Details
90% financing
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 18, 2026
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
1777 Link Rd, Winston Salem, NC, 27103 4625
Used Autos
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
5.50%
61 - 72 Months
▼
APR5.50%
Term61 - 72 Months
Last UpdatedSep 20, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
5.50%
73 - 84 Months
▼
APR5.50%
Term73 - 84 Months
Last UpdatedSep 20, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.50%
3 years
▼
APR5.50%
Term3 years
Last UpdatedSep 20, 2026
Details
APR*: 5.50%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.50%
4 years
▼
APR5.50%
Term4 years
Last UpdatedSep 20, 2026
Details
APR*: 5.50%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.50%
84 Mos.**
▼
APR5.50%
Term84 Mos.**
Last UpdatedSep 21, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.50%
72 Mos.
▼
APR5.50%
Term72 Mos.
Last UpdatedSep 21, 2026
Details
Score: A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2020-2022 | 60 Mos Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 60 Mos Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A | 680-749
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
5.50%
12-36 Months
▼
APR5.50%
Term12-36 Months
Last UpdatedSep 21, 2026
Details
As Low As;*
Local Government Federal Credit Union
Institution Rating:
F1.3 ★ Texas Ratio: 55.39%
323 W Jones St, Raleigh, NC, 27603 1369
Used Auto
5.50%
Up to 72 months
▼
APR5.50%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
119 N Salisbury St, Raleigh, NC, 27603 1739
Used auto loan rate
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
Used Auto Loans
5.50%
49 - 60 months
▼
APR5.50%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as; Used Auto Loans (2 - 10 years)
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
882 16th St NE, Hickory, NC, 28601
New and Current Model Auto Loan
5.50%
61-72 Months
▼
APR5.50%
Term61-72 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.50% - 13.99%. As Low As; 4.50%
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
882 16th St NE, Hickory, NC, 28601
Used Auto Loan
5.50%
Up to 48 Months
▼
APR5.50%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.50% - 11.75%. As Low As; 4.50%
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3 Academy ST, Canton, NC, 28716
Auto Loans
5.50%
up to 96 months
▼
APR5.50%
Termup to 96 months
Last UpdatedSep 21, 2026
Details
Minimum loan amount $5,000. All loan approvals are subject to normal underwriting guidelines. Rates and terms quoted represent the range of rates and terms available. Not all applicants will qualify for the lowest rate or longest term. Rates and terms are based on the type of loan, collateral, amount of loan, and creditworthiness.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3 Academy ST, Canton, NC, 28716
New and Used Cars Loan
5.50%
Up to 96 Months
▼
APR5.50%
TermUp to 96 Months
Last UpdatedSep 21, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
New Auto Loans - 2025 - Newer
5.54%
64 - 75 Months
▼
APR5.54%
Term64 - 75 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.54% - 17.24%. Model Year: 2025 - Newer
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
Pre-Owned (2020 Auto Loan
5.54%
61-66 months
▼
APR5.54%
Term61-66 months
Last UpdatedSep 21, 2026
Details
Model Years: Pre-Owned (2020+)
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
100 N Tryon St, Charlotte, NC, 28202
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2025 - 2027
5.64%
Up to 78 months
▼
APR5.64%
TermUp to 78 months
Last UpdatedSep 18, 2026
Details
Year: 2025 - 2027; Min. Loan Amount: $10,000
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.64%
49 to 66 months
▼
APR5.64%
Term49 to 66 months
Last UpdatedSep 18, 2026
Details
Model Year: 2021-2019; MOST POPULAR
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
Used Auto Loan
5.64%
36 - 63 Months
▼
APR5.64%
Term36 - 63 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.64% - 17.24%. Model Year: 2019 - 2024
Summit Credit Union Greensboro, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
5.69%
61 to 72 Months
▼
APR5.69%
Interest Rate5.69%
Term61 to 72 Months
Last UpdatedSep 18, 2026
Details
Rates as Low as; Fixed
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
Pre-Owned (2020 Auto Loan
5.69%
67-72 months
▼
APR5.69%
Term67-72 months
Last UpdatedSep 21, 2026
Details
Model Years: Pre-Owned (2020+)
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
401 W Innes St, Salisbury, NC, 28144
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedSep 15, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.70%
67-75 months
▼
APR5.70%
Term67-75 months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft APR: 5.20%
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.70%
61-66 Months
▼
APR5.70%
Term61-66 Months
Last UpdatedSep 21, 2026
Details
As Low As; Non-Payroll Deduction; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
1200 E Church St, Cherryville, NC, 28021 9211
Used Car Loans
5.74%
36-84 months
▼
APR5.74%
Term36-84 months
Last UpdatedSep 18, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.06%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans 60 Months
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
New Auto Loans - 2025 - Newer
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.74% - 8.49%. Model Year: 2025 - Newer
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
5.74%
85 to 96 Months
▼
APR5.74%
Term85 to 96 Months
Last UpdatedSep 21, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Used Auto
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 21, 2026
Details
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
1823 Banking St, Greensboro, NC, 27408
Vehicle Loan
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedSep 21, 2026
Details
Don't forget that we may meet or beat your current auto loan rate with other financial institutions; As Low As
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.75%
72 months
▼
APR5.75%
Term72 months
Last UpdatedSep 18, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used Auto
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Less than 75,000 miles
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedSep 20, 2026
Details
As Low As
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.75%
5 years
▼
APR5.75%
Term5 years
Last UpdatedSep 20, 2026
Details
APR*: 5.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.75%
3 years
▼
APR5.75%
Term3 years
Last UpdatedSep 20, 2026
Details
APR*: 5.75%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
5.75%
4 years
▼
APR5.75%
Term4 years
Last UpdatedSep 20, 2026
Details
APR*: 5.75%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 72 Mos Loan
5.75%
72 months
▼
APR5.75%
Term72 months
Last UpdatedSep 21, 2026
Details
Credit Score: A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 84 Mos Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ | 750+
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedSep 21, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedSep 21, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics Loan
5.75%
61 Months
▼
APR5.75%
Term61 Months
Last UpdatedSep 21, 2026
Details
Term: 61 Months - 84 Months; As low as; ***
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
Used Auto Loan
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.79% - 16.99%. Model Year: 2019 - 2024
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.85%
76-84 months
▼
APR5.85%
Term76-84 months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft APR: 5.35%
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.85%
67-75 Months
▼
APR5.85%
Term67-75 Months
Last UpdatedSep 21, 2026
Details
As Low As; Non-Payroll Deduction; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2019 and older
5.94%
Up to 42 months
▼
APR5.94%
TermUp to 42 months
Last UpdatedSep 18, 2026
Details
Year: 2019 and older
TCP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Used Auto Loan
5.95%
Up to 84 Months
▼
APR5.95%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Used Auto
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC, 28273
Private Party Vehicle Title Sales Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedSep 18, 2026
Details
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
9377 N US Highway 301, Whitakers, NC, 27891 8621
Autos, Trucks, Vans, Motorcycles - 2023 - 2024
5.99%
Up to 78 months
▼
APR5.99%
TermUp to 78 months
Last UpdatedSep 18, 2026
Details
Year: 2023 - 2024; Min. Loan Amount: $10,000
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 21, 2026
Details
As low as
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
Credit Scores 700-779
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
New Auto Loans
5.99%
61 - 72 months
▼
APR5.99%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
Greensboro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Classic Cars Loan
6.00%
Up to 60 Month Term
▼
APR6.00%
TermUp to 60 Month Term
Last UpdatedSep 18, 2026
Details
Greensboro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Used Vehicle Loan
6.00%
Up to 60 Month Term
▼
APR6.00%
TermUp to 60 Month Term
Last UpdatedSep 18, 2026
Details
Lending is limited to residents of North Carolina. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral. Must have collision and comprehensive insurance protection with a maximum deductible of $1000 for the duration of the loan. Members must be 18 years of age or older to be eligible for lending services.
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Vehicles Loan
6.00%
Max. Term 15 Years
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedSep 18, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
6.00%
96 months
▼
APR6.00%
Term96 months
Last UpdatedSep 18, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
6.00%
6 years
▼
APR6.00%
Term6 years
Last UpdatedSep 20, 2026
Details
APR*: 6.00%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
1730 Matthews Township Pkwy Ste E, Matthews, NC, 28105 4928
Auto Loans
6.00%
5 years
▼
APR6.00%
Term5 years
Last UpdatedSep 20, 2026
Details
APR*: 6.00%
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
6.00%
84 Mos.**
▼
APR6.00%
Term84 Mos.**
Last UpdatedSep 21, 2026
Details
Score: A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
6.00%
48 Mos.
▼
APR6.00%
Term48 Mos.
Last UpdatedSep 21, 2026
Details
Score: B = 640-679
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2020-2022 | 60 Mos Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A | 680-749
Powered by
MonitorBankRates
North Carolina New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 Gregson Dr, Cary, NC, 27511
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
3.50%
Up to 48 Months
▼
APR3.50%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedSep 18, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
3.79%
0-36 Months
▼
APR3.79%
Term0-36 Months
Last UpdatedSep 20, 2026
Details
As Low As
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
New Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedSep 18, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
New Auto
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 Gregson Dr, Cary, NC, 27511
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedSep 18, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
4.25%
Up to 72 months
▼
APR4.25%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
119 N Salisbury St, Raleigh, NC, 27603 1739
New auto loan
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
5870 Samet Dr Ste 113, High Point, NC, 27265 3647
New Auto Loan
4.49%
60 months or less
▼
APR4.49%
Term60 months or less
Last UpdatedSep 18, 2026
Details
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
New Auto Loan
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As; The offer is good on 2019 to 2026 year models. The vehicle must be reporting on your credit for at least six months. The minimum loan amount for this offer is $5,000. Terms and conditions apply.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
As low as
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★ Texas Ratio: 58.52%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedSep 18, 2026
Details
Finance up to 80% of MSRP according to Black Book
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 18, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedSep 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
4.50%
48 Mos.
▼
APR4.50%
Term48 Mos.
Last UpdatedSep 21, 2026
Details
Score: A+ = 750+
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
4.50%
12-36 Months
▼
APR4.50%
Term12-36 Months
Last UpdatedSep 21, 2026
Details
As Low As; *
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as***; Loan Type: New Vehicles
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.55%
Up to 72 Months
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2020 or Newer**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
2000 John Deere Run, Cary, NC, 27513
60 Month New Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
4.74%
49 to 60 Months
▼
APR4.74%
Term49 to 60 Months
Last UpdatedSep 21, 2026
Details
Greensboro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
New Vehicle Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 18, 2026
Details
Term: 36 months - 84 months; Must be prior, current or upcoming year model with 10,000 miles or less. Members must be at least 18 years of age or older to be eligible for lending services. The vehicle title will held as collateral until the loan is repaid and may be paid at anytime without penalty.
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Current or Prior Year - less than 10,000 miles
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
4.75%
60 Mos.
▼
APR4.75%
Term60 Mos.
Last UpdatedSep 21, 2026
Details
Score: A+ = 750+
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
119 N Salisbury St, Raleigh, NC, 27603 1739
New auto loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
TCP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
New Auto Loan
4.85%
Up to 84 Months
▼
APR4.85%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As low as; New Auto
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
4.94%
24-48 months
▼
APR4.94%
Term24-48 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
4.99%
49 - 60 Months
▼
APR4.99%
Term49 - 60 Months
Last UpdatedSep 20, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
4.99%
61 to 72 Months
▼
APR4.99%
Term61 to 72 Months
Last UpdatedSep 21, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
New Auto Loans
4.99%
49 - 60 months
▼
APR4.99%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
Emergency Responders Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
1777 Link Rd, Winston Salem, NC, 27103 4625
New Autos
5.00%
Up to 84 Months
▼
APR5.00%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedSep 18, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.00%
72 Mos.
▼
APR5.00%
Term72 Mos.
Last UpdatedSep 21, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.00%
48 Mos.
▼
APR5.00%
Term48 Mos.
Last UpdatedSep 21, 2026
Details
Score: A = 680-749
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As; *
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
119 N Salisbury St, Raleigh, NC, 27603 1739
New auto loan
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
882 16th St NE, Hickory, NC, 28601
New and Current Model Auto Loan
5.00%
Up to 48 Months
▼
APR5.00%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.00% - 11.25%. As Low As; 4.50%
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 84 Months
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2022 or Newer; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
67 Pitts Station Rd, Marion, NC, 28752 7925
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
New Auto Loans - 2025 - Newer
5.14%
36 - 63 Months
▼
APR5.14%
Term36 - 63 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.14% - 16.74%. Model Year: 2025 - Newer
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
5.14%
49-60 months
▼
APR5.14%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.19%
1-66 months
▼
APR5.19%
Term1-66 months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft APR: 4.69%
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
401 W Innes St, Salisbury, NC, 28144
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
1200 E Church St, Cherryville, NC, 28021 9211
New Car Loans
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedSep 18, 2026
Details
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
5.24%
73 to 84 Months
▼
APR5.24%
Term73 to 84 Months
Last UpdatedSep 21, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedSep 18, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
New Auto
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Current or Prior Year - less than 10,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.25%
60 Mos.
▼
APR5.25%
Term60 Mos.
Last UpdatedSep 21, 2026
Details
Score: A = 680-749
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedSep 21, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
5.25%
61 Months
▼
APR5.25%
Term61 Months
Last UpdatedSep 21, 2026
Details
Term: 61 Months - 84 Months; As low as***; Loan Type: New Vehicles
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
882 16th St NE, Hickory, NC, 28601
New and Current Model Auto Loan
5.25%
49-60 Months
▼
APR5.25%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.25% - 12.50%. As Low As; 4.50%
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
5.34%
61-66 months
▼
APR5.34%
Term61-66 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
100 N Tryon St, Charlotte, NC, 28202
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
5.49%
67-72 months
▼
APR5.49%
Term67-72 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedSep 21, 2026
Details
As low as
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★ Texas Ratio: 58.52%
201 E ASH ST, GOLDSBORO, NC, 27530
New Vehicle Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 18, 2026
Details
90% financing
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
5.50%
61 - 72 Months
▼
APR5.50%
Term61 - 72 Months
Last UpdatedSep 20, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles Loan
5.50%
73 - 84 Months
▼
APR5.50%
Term73 - 84 Months
Last UpdatedSep 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.50%
84 Mos.**
▼
APR5.50%
Term84 Mos.**
Last UpdatedSep 21, 2026
Details
Score: A+ = 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
5.50%
72 Mos.
▼
APR5.50%
Term72 Mos.
Last UpdatedSep 21, 2026
Details
Score: A = 680-749
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
882 16th St NE, Hickory, NC, 28601
New and Current Model Auto Loan
5.50%
61-72 Months
▼
APR5.50%
Term61-72 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.50% - 13.99%. As Low As; 4.50%
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3 Academy ST, Canton, NC, 28716
New and Used Cars Loan
5.50%
Up to 96 Months
▼
APR5.50%
TermUp to 96 Months
Last UpdatedSep 21, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
New Auto Loans - 2025 - Newer
5.54%
64 - 75 Months
▼
APR5.54%
Term64 - 75 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.54% - 17.24%. Model Year: 2025 - Newer
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
401 W Innes St, Salisbury, NC, 28144
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedSep 15, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.70%
67-75 months
▼
APR5.70%
Term67-75 months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft APR: 5.20%
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.06%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans 60 Months
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
New Auto Loans - 2025 - Newer
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.74% - 8.49%. Model Year: 2025 - Newer
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
New Auto
5.74%
85 to 96 Months
▼
APR5.74%
Term85 to 96 Months
Last UpdatedSep 21, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.85%
76-84 months
▼
APR5.85%
Term76-84 months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft APR: 5.35%
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
New, 2025 (untitled) -2026 Auto Loan
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedSep 21, 2026
Details
Model Years: New, 2025 (untitled) -2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 21, 2026
Details
As low as
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
New Auto Loans
5.99%
61 - 72 months
▼
APR5.99%
Term61 - 72 months
Last UpdatedSep 21, 2026
Details
Rates as low as; New Auto Loans (0 - 1 year)
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Vehicles Loan
6.00%
Max. Term 15 Years
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedSep 18, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
New auto loans
6.00%
96 months
▼
APR6.00%
Term96 months
Last UpdatedSep 18, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
6.00%
84 Mos.**
▼
APR6.00%
Term84 Mos.**
Last UpdatedSep 21, 2026
Details
Score: A = 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
New Vehicles Loan
6.00%
48 Mos.
▼
APR6.00%
Term48 Mos.
Last UpdatedSep 21, 2026
Details
Score: B = 640-679
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North Carolina Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
3.50%
Up to 48 Months
▼
APR3.50%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 Gregson Dr, Cary, NC, 27511
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
3.99%
0-36 Months
▼
APR3.99%
Term0-36 Months
Last UpdatedSep 20, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 60 Months
4.05%
Up to 60 Months
▼
APR4.05%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: All Years**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans - 36 months
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedSep 18, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 72 Months
4.55%
Up to 72 Months
▼
APR4.55%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2020 or Newer**; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
4.69%
1-60 Months
▼
APR4.69%
Term1-60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans - 48 months
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedSep 18, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used Auto
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Less than 140,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
4.75%
Up to 36 months
▼
APR4.75%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2020-2021
4.75%
max term 54 months
▼
APR4.75%
Termmax term 54 months
Last UpdatedSep 21, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
4.99%
37 - 48 Months
▼
APR4.99%
Term37 - 48 Months
Last UpdatedSep 20, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Used Auto
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
Used Auto Loans
4.99%
0 - 48 months
▼
APR4.99%
Term0 - 48 months
Last UpdatedSep 21, 2026
Details
Rates as low as; Used Auto Loans (2 - 10 years)
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans - 60 months
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 18, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedSep 18, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 60 Mos Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ | 750+
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
As low as; ***
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans - Up to 84 Months
5.05%
Up to 84 Months
▼
APR5.05%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Vehicle Model Years: 2022 or Newer; 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. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
Pre-Owned (2020 Auto Loan
5.14%
24-48 months
▼
APR5.14%
Term24-48 months
Last UpdatedSep 21, 2026
Details
Model Years: Pre-Owned (2020+)
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.19%
1-60 Months
▼
APR5.19%
Term1-60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Non-Payroll Deduction; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.20%
61-66 Months
▼
APR5.20%
Term61-66 Months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles (2021 - 2024)
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedSep 21, 2026
Details
As low as
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Used Auto
5.24%
49 to 60 Months
▼
APR5.24%
Term49 to 60 Months
Last UpdatedSep 21, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans - 72 months
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedSep 18, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used Auto
5.25%
Up to 60 Months
▼
APR5.25%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Less than 100,000 miles
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.25%
49-60 months
▼
APR5.25%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
5.25%
49 - 60 Months
▼
APR5.25%
Term49 - 60 Months
Last UpdatedSep 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 72 Mos Loan
5.25%
72 months
▼
APR5.25%
Term72 months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ | 750+
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
Pre-Owned (2020 Auto Loan
5.34%
49-60 months
▼
APR5.34%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Model Years: Pre-Owned (2020+)
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.35%
67-75 Months
▼
APR5.35%
Term67-75 Months
Last UpdatedSep 21, 2026
Details
As Low As; Payroll Deduction or Automatic Draft; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Used Auto
5.49%
61 to 72 Months
▼
APR5.49%
Term61 to 72 Months
Last UpdatedSep 21, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 18, 2026
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
1777 Link Rd, Winston Salem, NC, 27103 4625
Used Autos
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedSep 18, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2020-2022 | 60 Mos Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ | 750+
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 60 Mos Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A | 680-749
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
5.50%
12-36 Months
▼
APR5.50%
Term12-36 Months
Last UpdatedSep 21, 2026
Details
As Low As;*
Local Government Federal Credit Union
Institution Rating:
F1.3 ★ Texas Ratio: 55.39%
323 W Jones St, Raleigh, NC, 27603 1369
Used Auto
5.50%
Up to 72 months
▼
APR5.50%
TermUp to 72 months
Last UpdatedSep 21, 2026
Details
As Low As
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
119 N Salisbury St, Raleigh, NC, 27603 1739
Used auto loan rate
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
3700 South Blvd, Charlotte, NC, 28209
Used Auto Loans
5.50%
49 - 60 months
▼
APR5.50%
Term49 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as; Used Auto Loans (2 - 10 years)
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
882 16th St NE, Hickory, NC, 28601
Used Auto Loan
5.50%
Up to 48 Months
▼
APR5.50%
TermUp to 48 Months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.50% - 11.75%. As Low As; 4.50%
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
3 Academy ST, Canton, NC, 28716
New and Used Cars Loan
5.50%
Up to 96 Months
▼
APR5.50%
TermUp to 96 Months
Last UpdatedSep 21, 2026
Details
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
Pre-Owned (2020 Auto Loan
5.54%
61-66 months
▼
APR5.54%
Term61-66 months
Last UpdatedSep 21, 2026
Details
Model Years: Pre-Owned (2020+)
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
100 N Tryon St, Charlotte, NC, 28202
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
Used Auto Loan
5.64%
36 - 63 Months
▼
APR5.64%
Term36 - 63 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.64% - 17.24%. Model Year: 2019 - 2024
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
2401 E Ash St, Goldsboro, NC, 27534 7513
Pre-Owned (2020 Auto Loan
5.69%
67-72 months
▼
APR5.69%
Term67-72 months
Last UpdatedSep 21, 2026
Details
Model Years: Pre-Owned (2020+)
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.70%
61-66 Months
▼
APR5.70%
Term61-66 Months
Last UpdatedSep 21, 2026
Details
As Low As; Non-Payroll Deduction; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
1200 E Church St, Cherryville, NC, 28021 9211
Used Car Loans
5.74%
36-84 months
▼
APR5.74%
Term36-84 months
Last UpdatedSep 18, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.06%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans 60 Months
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Proponent Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Used Auto
5.74%
73 to 84 Months
▼
APR5.74%
Term73 to 84 Months
Last UpdatedSep 21, 2026
Details
State Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
1125 ACADEMY ST N, AHOSKIE, NC, 27910
Used auto loans
5.75%
72 months
▼
APR5.75%
Term72 months
Last UpdatedSep 18, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.01%
316 NC Hwy 149 N, Plymouth, NC, 27962
Used Auto
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Less than 75,000 miles
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedSep 20, 2026
Details
As Low As
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 72 Mos Loan
5.75%
72 months
▼
APR5.75%
Term72 months
Last UpdatedSep 21, 2026
Details
Credit Score: A | 680-749
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2023-2026 | 84 Mos Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
Credit Score: A+ | 750+
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedSep 21, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedSep 21, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics Loan
5.75%
61 Months
▼
APR5.75%
Term61 Months
Last UpdatedSep 21, 2026
Details
Term: 61 Months - 84 Months; As low as; ***
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.80%
4100 Clemmons Rd, Clemmons, NC, 27012
Used Auto Loan
5.79%
64 - 75 Months
▼
APR5.79%
Term64 - 75 Months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.79% - 16.99%. Model Year: 2019 - 2024
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.33%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle Loan
5.85%
67-75 Months
▼
APR5.85%
Term67-75 Months
Last UpdatedSep 21, 2026
Details
As Low As; Non-Payroll Deduction; Maximum age of vehicle: 7 years old. Maximum mileage cannot exceed 100,000 miles.
TCP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
3051 Westinghouse Rd, Rural Hall, NC, 27045 9570
Used Auto Loan
5.95%
Up to 84 Months
▼
APR5.95%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Used Auto
Greensboro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
3701 W Wendover Ave, Greensboro, NC, 27495 0001
Used Vehicle Loan
6.00%
Up to 60 Month Term
▼
APR6.00%
TermUp to 60 Month Term
Last UpdatedSep 18, 2026
Details
Lending is limited to residents of North Carolina. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats and RVs are not acceptable collateral. Must have collision and comprehensive insurance protection with a maximum deductible of $1000 for the duration of the loan. Members must be 18 years of age or older to be eligible for lending services.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
105 E Walnut St, Goldsboro, NC, 27530 3648
Used Vehicles 2020-2022 | 60 Mos Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: A | 680-749
Powered by
MonitorBankRates
North Carolina Auto Loan Rate Trends
Compare local North Carolina 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 NC Avg
5.016%
▲ 0.147 vs 7 days ago
North Carolina new auto rates rose 0.147 points over the past 7 days to 5.016% APR.
Used Auto Loan NC Avg
5.621%
▲ 0.058 vs 7 days ago
North Carolina used auto rates rose 0.058 points over the past 7 days to 5.621% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
North Carolina Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current North Carolina figures.
Current New Auto Avg
5.02%
APR, as of Sep 22, 2026
6-Month Forecast
5.10%
Fed hold assumed
12-Month Forecast
5.17%
Range: 4.82% to 5.37%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average North Carolina APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.02% APR NC average | Used Auto @ 5.62% APR NC average | Monthly Difference |
|---|---|---|---|
| $15,000 | $283.18/mo | $287.36/mo | $4.18/mo |
| $25,000 | $471.96/mo | $478.93/mo | $6.97/mo |
| $35,000 | $660.74/mo | $670.50/mo | $9.76/mo |
| $45,000 | $849.53/mo | $862.07/mo | $12.55/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in North Carolina
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving North Carolina locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in North Carolina. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a North Carolina high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: North Carolina CD rates lock in a guaranteed return until you’re ready to buy
North Carolina Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$43,026
Median Individual Earnings
National avg: $47,340
4.6%
Unemployment Rate
National avg: 4.8%
13.0%
Poverty Rate
National avg: 11.1%
$566/mo
Payment on a $30K / 60-mo Loan
At NC new-auto avg 5.02% APR
A $566 monthly car payment works out to roughly 15.8% of the median individual income in North Carolina. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in North Carolina, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in North Carolina. We’ve prefilled the APR with today’s NC new-auto average, or click any current rate on the right to apply it instantly.
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Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Carolina 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 North Carolina 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 North Carolina. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NC.
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 North Carolina
How does my credit score affect my car loan rate in North Carolina?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in North Carolina 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 North Carolina *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 North Carolina typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
Should I get preapproved for an auto loan before visiting a dealer in North Carolina?
Yes. A preapproval from a bank or credit union serving North Carolina gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving North Carolina can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in North Carolina?
Based on our current data, some of the lowest auto loan rates available in North Carolina include:
- United Federal Credit Union: 2.99% (Auto Loan)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- CS Credit Union: 3.50% (New & Used Vehicles Loan)
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
- State Employees Credit Union: 3.75% (New auto loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
North Carolina Rates & Resources
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North Carolina Car Insurance
Auto Loan Rates by City in North Carolina
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