Auto Loan Rates in North Carolina (NC) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in 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: 3.13% offering Auto Loan at 2.99%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union500 Gregson Dr, Cary, NC, 27511A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, CS Credit UnionCS Credit Union6519 Comm Scope Rd, Catawba, NC, 28609A+5.0 ★Texas Ratio: 0.63% offering New & Used Vehicles Loan at 3.50%, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union5712 Creedmoor Rd, Raleigh, NC, 27612A+5.0 ★Texas Ratio: 3.88% offering New Auto Loans at 3.74%, Bragg Mutual Federal Credit UnionBragg Mutual Federal Credit Union2917 Village Dr, Fayetteville, NC, 28304 3814A5.0 ★Texas Ratio: 7.62% offering New Vehicles 0-36 Months Loan at 3.79%. Auto loan rates as of July 15, 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 — 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: July 15, 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: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
3.50%
Up to 48 Months
▼
APR3.50%
TermUp to 48 Months
Last UpdatedJul 13, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.74%
12-36 Months
▼
APR3.74%
Term12-36 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 0-36 Months Loan
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.62%
3700 South Blvd, Charlotte, NC, 28209
Auto Loans
3.99%
0 - 48 months
▼
APR3.99%
Term0 - 48 months
Last UpdatedJul 10, 2026
Details
As Low As; Rates shown are for qualified borrowers only. All loans are subject to credit approval. Rates and terms are based on creditworthiness, loan amount and collateral. Rates may vary or change at any time. Payment Example: $30,000 at 3.99% APR for 48 months would be approximately $677/month.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC, 27103 5779
Auto Loan
3.99%
36-Month
▼
APR3.99%
Term36-Month
Last UpdatedJul 10, 2026
Details
As Low As; 96 Month Financing Now Available
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.59%
3504 Forestdale Dr, Burlington, NC, 27215 4693
Auto Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; 0.50% discount is valid on a new, used, lease buyout and auto refinance loan. Offer expires 07/31/2026. Receive up to a $400 credit at closing on new and auto refinance loan types. Get the full $400 credit when you purchase GAP insurance through Proponent, or $200 credit without it. Offer expires 07/31/2026.
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 13, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJul 14, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedJul 14, 2026
Details
As Low As; 5.74%
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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 UpdatedJul 15, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.34%
12-36 Months
▼
APR4.34%
Term12-36 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
1700 Russ Ave, Waynesville, NC, 28786 5807
Auto Loan
4.49%
Up to 84 months
▼
APR4.49%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJul 13, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
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 UpdatedJul 15, 2026
Details
As low as; ***
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
4.69%
1-66 Months
▼
APR4.69%
Term1-66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 1-60 Months) Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.74%
49 to 66 months
▼
APR4.74%
Term49 to 66 months
Last UpdatedJul 14, 2026
Details
As Low As; 5.99%
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
4.75%
Up to 36 months
▼
APR4.75%
TermUp to 36 months
Last UpdatedJul 14, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Year Model 2024-2026; As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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 UpdatedJul 15, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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 UpdatedJul 15, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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 UpdatedJul 15, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
4.89%
49 to 66 months
▼
APR4.89%
Term49 to 66 months
Last UpdatedJul 14, 2026
Details
As Low As; 6.34%
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 10, 2026
Details
As low as
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedJul 11, 2026
Details
Rates as Low as; Fixed
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 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) - 66 Months
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Up to 72 Months
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans
4.99%
Up to 72
▼
APR4.99%
TermUp to 72
Last UpdatedJul 15, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 780 & Higher
4.99%
Up to 72
▼
APR4.99%
TermUp to 72
Last UpdatedJul 15, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedJul 13, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
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 UpdatedJul 15, 2026
Details
As Low As; ***
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics: Up to 60 Months Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As low as
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.09%
67 to 84 months
▼
APR5.09%
Term67 to 84 months
Last UpdatedJul 14, 2026
Details
As Low As; 7.04%
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
5.19%
49 to 60 Months
▼
APR5.19%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
Rates as Low as; Fixed
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.19%
1-66 Months
▼
APR5.19%
Term1-66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 1-60 Months) Loan
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.20%
67-75 Months
▼
APR5.20%
Term67-75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 61-66 Months) Loan
5.20%
66 Months
▼
APR5.20%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
401 W Innes St, Salisbury, NC, 28144
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJul 11, 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. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
New Car Loans
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJul 14, 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) 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated payment per $1000: $17.48
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJul 10, 2026
Details
As low as
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJul 14, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJul 14, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 37 - 48 Months Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedJul 15, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
5.25%
61 Months - 84 Months
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedJul 15, 2026
Details
As low as; ***
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.35%
76-84 Months
▼
APR5.35%
Term76-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 67-75 Months) Loan
5.35%
75 Months
▼
APR5.35%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.39%
49 to 66 months
▼
APR5.39%
Term49 to 66 months
Last UpdatedJul 14, 2026
Details
As Low As; 6.59%
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans 60 Months
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
5.49%
12-36 Months
▼
APR5.49%
Term12-36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
5.49%
12-36 Months
▼
APR5.49%
Term12-36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 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) - 75 Months
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedJul 14, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedJul 14, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 49 - 60 Months Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.59%
67 to 84 months
▼
APR5.59%
Term67 to 84 months
Last UpdatedJul 14, 2026
Details
As Low As; 6.89%
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
5.69%
61 to 72 Months
▼
APR5.69%
Term61 to 72 Months
Last UpdatedJul 11, 2026
Details
Rates as Low as; Fixed
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.70%
67-75 Months
▼
APR5.70%
Term67-75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 61-66 Months) Loan
5.70%
66 Months
▼
APR5.70%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.74%
67 to 84 months
▼
APR5.74%
Term67 to 84 months
Last UpdatedJul 14, 2026
Details
As Low As; 7.64%
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
Used Car Loans
5.74%
36-84 months
▼
APR5.74%
Term36-84 months
Last UpdatedJul 14, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
5.75%
0-36 Months
▼
APR5.75%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJul 15, 2026
Details
Year Model 2024-2026; As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJul 15, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJul 15, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics Loan
5.75%
61 Months - 84 Months
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; ***
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics: 61 Months - 84 Months Loan
5.75%
61 Months - 84 Months
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedJul 15, 2026
Details
As low as
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.85%
76-84 Months
▼
APR5.85%
Term76-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 67-75 Months) Loan
5.85%
75 Months
▼
APR5.85%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
5.89%
49 to 66 months
▼
APR5.89%
Term49 to 66 months
Last UpdatedJul 14, 2026
Details
As Low As; 7.14%
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
5870 Samet Dr Ste 113, High Point, NC, 27265 3647
New Auto Loan
5.99%
60 months or less
▼
APR5.99%
Term60 months or less
Last UpdatedJul 11, 2026
Details
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.
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 61 - 72 Months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 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) - 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 700-779
5.99%
Up to 72
▼
APR5.99%
TermUp to 72
Last UpdatedJul 15, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
6.00%
49 - 60 Months
▼
APR6.00%
Term49 - 60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles (2021 - 2024) 75 Months
6.04%
75 Months
▼
APR6.04%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated payment per $1000: $16.05
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
6.19%
73 to 84 Months
▼
APR6.19%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
Rates as Low as; Fixed
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
6.25%
73-84 months
▼
APR6.25%
Term73-84 months
Last UpdatedJul 10, 2026
Details
As low as
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
6.25%
Up to 73-84 months
▼
APR6.25%
TermUp to 73-84 months
Last UpdatedJul 10, 2026
Details
As low as
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
6.25%
76-84 months
▼
APR6.25%
Term76-84 months
Last UpdatedJul 14, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
6.25%
61 - 72 Months
▼
APR6.25%
Term61 - 72 Months
Last UpdatedJul 15, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
6.29%
67 to 84 months
▼
APR6.29%
Term67 to 84 months
Last UpdatedJul 14, 2026
Details
As Low As; 8.19%
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
6.49%
76-84 Months
▼
APR6.49%
Term76-84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
6.49%
76-84 Months
▼
APR6.49%
Term76-84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedJul 15, 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) - 96 Months
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedJul 15, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.50%
76-84 months (2023 or Newer)
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedJul 14, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 73 - 84 Months Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
8210 W Market St, Greensboro, NC, 27409
Auto Loans
6.69%
85 to 96 Months
▼
APR6.69%
Term85 to 96 Months
Last UpdatedJul 11, 2026
Details
Rates as Low as; Fixed
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles (2021 - 2024) 84 Months
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated payment per $1000: $15.02
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage Car Loan
6.94%
1-48 Months
▼
APR6.94%
Term1-48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft; Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness.
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
7.00%
85-96 months
▼
APR7.00%
Term85-96 months
Last UpdatedJul 10, 2026
Details
As low as
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage Car Loan
7.14%
49-60 Months
▼
APR7.14%
Term49-60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft; Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness.
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
▼
APR7.25%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 650-699
7.25%
Up to 72
▼
APR7.25%
TermUp to 72
Last UpdatedJul 15, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage Car Loan
7.44%
1-48 Months
▼
APR7.44%
Term1-48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction; Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Extended Mileage Car Loan
7.64%
49-60 Months
▼
APR7.64%
Term49-60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction; Up to 100% of Purchase Price not to exceed 10% over the Manufacturer's Suggested Retail Price (MSRP). Loan Rates subject to determination of creditworthiness.
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
1823 Banking St, Greensboro, NC, 27408
Older Auto Loans 2011-2015
7.74%
48 months
▼
APR7.74%
Term48 months
Last UpdatedJul 15, 2026
Details
*
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
7.89%
Up to 48 months
▼
APR7.89%
TermUp to 48 months
Last UpdatedJul 14, 2026
Details
As Low As; 9.19%
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
7.99%
up to 42 months
▼
APR7.99%
Termup to 42 months
Last UpdatedJul 15, 2026
Details
2019 & Older- Max LTV < 90%; As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - 2019 & Older- Max LTV < 90%
7.99%
up to 42 months
▼
APR7.99%
Termup to 42 months
Last UpdatedJul 15, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
8.14%
49 to 66 months
▼
APR8.14%
Term49 to 66 months
Last UpdatedJul 14, 2026
Details
As Low As; 9.44%
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.40%
12-48 Months
▼
APR8.40%
Term12-48 Months
Last UpdatedJul 15, 2026
Details
As Low As
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
8.54%
67 to 84 months
▼
APR8.54%
Term67 to 84 months
Last UpdatedJul 14, 2026
Details
As Low As; 9.84%
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.90%
60 Months
▼
APR8.90%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
9.04%
Up to 48 months
▼
APR9.04%
TermUp to 48 months
Last UpdatedJul 14, 2026
Details
As Low As; 10.34%
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Used Car - greater than 100,000 Miles Loan
9.25%
up to 72 months
▼
APR9.25%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC, 27609
Auto Loan
9.34%
49 to 66 months
▼
APR9.34%
Term49 to 66 months
Last UpdatedJul 14, 2026
Details
As Low As; 10.59%
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 600-649
9.99%
Up to 72
▼
APR9.99%
TermUp to 72
Last UpdatedJul 15, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 550-599
13.99%
Up to 60
▼
APR13.99%
TermUp to 60
Last UpdatedJul 15, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Rebuilding Rate
17.50%
Up to 60
▼
APR17.50%
TermUp to 60
Last UpdatedJul 15, 2026
Details
Powered by
MonitorBankRates
North Carolina New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
3.50%
Up to 48 Months
▼
APR3.50%
TermUp to 48 Months
Last UpdatedJul 13, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.74%
12-36 Months
▼
APR3.74%
Term12-36 Months
Last UpdatedJul 15, 2026
Details
As Low As; *
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 0-36 Months Loan
3.79%
36 Months
▼
APR3.79%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As; *
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 13, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
4.00%
Up to 36 months
▼
APR4.00%
TermUp to 36 months
Last UpdatedJul 14, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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 UpdatedJul 15, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJul 13, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
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 UpdatedJul 15, 2026
Details
As low as; ***
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
4.69%
1-66 Months
▼
APR4.69%
Term1-66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJul 10, 2026
Details
As low as
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 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) - 66 Months
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedJul 13, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.19%
1-66 Months
▼
APR5.19%
Term1-66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.20%
67-75 Months
▼
APR5.20%
Term67-75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
New Car Loans
5.24%
36-84 months
▼
APR5.24%
Term36-84 months
Last UpdatedJul 14, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJul 14, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 37 - 48 Months Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
New Auto (Less than 10,000 miles)
5.25%
73-84 months
▼
APR5.25%
Term73-84 months
Last UpdatedJul 15, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
New Cars, Trucks, and SUVs Loan
5.25%
61 Months - 84 Months
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedJul 15, 2026
Details
As low as; ***
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.35%
76-84 Months
▼
APR5.35%
Term76-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans 60 Months
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
5.49%
12-36 Months
▼
APR5.49%
Term12-36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJul 15, 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) - 75 Months
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedJul 14, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 49 - 60 Months Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.70%
67-75 Months
▼
APR5.70%
Term67-75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
New Vehicle Loan
5.85%
76-84 Months
▼
APR5.85%
Term76-84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
5870 Samet Dr Ste 113, High Point, NC, 27265 3647
New Auto Loan
5.99%
60 months or less
▼
APR5.99%
Term60 months or less
Last UpdatedJul 11, 2026
Details
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.
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 61 - 72 Months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 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) - 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
6.25%
73-84 months
▼
APR6.25%
Term73-84 months
Last UpdatedJul 10, 2026
Details
As low as
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
New Auto
6.25%
76-84 months
▼
APR6.25%
Term76-84 months
Last UpdatedJul 14, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New Car Loans
6.49%
76-84 Months
▼
APR6.49%
Term76-84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
New Auto Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedJul 15, 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) - 96 Months
6.49%
96 Months
▼
APR6.49%
Term96 Months
Last UpdatedJul 15, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
New Car Loan
6.50%
up to 84 months
▼
APR6.50%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
New Vehicles 73 - 84 Months Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
New Auto
7.00%
85-96 months
▼
APR7.00%
Term85-96 months
Last UpdatedJul 10, 2026
Details
As low as
Powered by
MonitorBankRates
North Carolina Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
3.50%
Up to 48 Months
▼
APR3.50%
TermUp to 48 Months
Last UpdatedJul 13, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedJul 13, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.34%
12-36 Months
▼
APR4.34%
Term12-36 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJul 13, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
500 Gregson Dr, Cary, NC, 27511
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 1-60 Months) Loan
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
4.75%
Up to 36 months
▼
APR4.75%
TermUp to 36 months
Last UpdatedJul 14, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
4.75%
up to 60 months
▼
APR4.75%
Termup to 60 months
Last UpdatedJul 15, 2026
Details
Year Model 2024-2026; As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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 UpdatedJul 15, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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 UpdatedJul 15, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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 UpdatedJul 15, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC, 28609
New & Used Vehicles Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedJul 13, 2026
Details
As Low As
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
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 UpdatedJul 15, 2026
Details
As Low As; ***
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics: Up to 60 Months Loan
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As low as
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 1-60 Months) Loan
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 61-66 Months) Loan
5.20%
66 Months
▼
APR5.20%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles (2021 - 2024) 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated payment per $1000: $17.48
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedJul 10, 2026
Details
As low as
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJul 14, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 67-75 Months) Loan
5.35%
75 Months
▼
APR5.35%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC, 28625 2797
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
New and Used Vehicle Loans 60 Months
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
5.49%
12-36 Months
▼
APR5.49%
Term12-36 Months
Last UpdatedJul 11, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
5.50%
61-75 months
▼
APR5.50%
Term61-75 months
Last UpdatedJul 14, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 61-66 Months) Loan
5.70%
66 Months
▼
APR5.70%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC, 28021 9211
Used Car Loans
5.74%
36-84 months
▼
APR5.74%
Term36-84 months
Last UpdatedJul 14, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC, 27298
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
5.75%
0-36 Months
▼
APR5.75%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJul 15, 2026
Details
Year Model 2024-2026; As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2022-2023
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJul 15, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - Year Model 2024-2026
5.75%
61-72 months
▼
APR5.75%
Term61-72 months
Last UpdatedJul 15, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics Loan
5.75%
61 Months - 84 Months
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; ***
Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC, 27560
Used Cars, Trucks, SUVs, and Classics: 61 Months - 84 Months Loan
5.75%
61 Months - 84 Months
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedJul 15, 2026
Details
As low as
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC, 27103 2993
Used Vehicle (Term: 67-75 Months) Loan
5.85%
75 Months
▼
APR5.85%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Non-Payroll Deduction
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
6.00%
49 - 60 Months
▼
APR6.00%
Term49 - 60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC, 27215
Used Automobiles (2021 - 2024) 75 Months
6.04%
75 Months
▼
APR6.04%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated payment per $1000: $16.05
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Used Auto Loans
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As;*
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
3600 Wake Forest Rd, Raleigh, NC, 27609
Used Auto
6.25%
Up to 73-84 months
▼
APR6.25%
TermUp to 73-84 months
Last UpdatedJul 10, 2026
Details
As low as
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC, 28304 3814
Used Vehicles Loan
6.25%
61 - 72 Months
▼
APR6.25%
Term61 - 72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC, 27615
Used Car Loans (2024 and Older)
6.49%
76-84 Months
▼
APR6.49%
Term76-84 Months
Last UpdatedJul 11, 2026
Details
As Low As
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC, 28345
Used Auto
6.50%
76-84 months (2023 or Newer)
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedJul 14, 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) 84 Months
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated payment per $1000: $15.02
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Used Car - less than 100,000 Miles Loan
7.25%
up to 84 months
▼
APR7.25%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto
7.99%
up to 42 months
▼
APR7.99%
Termup to 42 months
Last UpdatedJul 15, 2026
Details
2019 & Older- Max LTV < 90%; As Low As
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC, 27704
Used Auto - 2019 & Older- Max LTV < 90%
7.99%
up to 42 months
▼
APR7.99%
Termup to 42 months
Last UpdatedJul 15, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.40%
12-48 Months
▼
APR8.40%
Term12-48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
5712 Creedmoor Rd, Raleigh, NC, 27612
Extended Age and Mileage Used Auto Loans
8.90%
60 Months
▼
APR8.90%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
301 W Main St, Durham, NC, 27701
Used Car - greater than 100,000 Miles Loan
9.25%
up to 72 months
▼
APR9.25%
Termup to 72 months
Last UpdatedJul 11, 2026
Details
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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
5.626%
▲ 0.345 vs 7 days ago
North Carolina new auto rates rose 0.345 points over the past 7 days to 5.626% APR.
Used Auto Loan — NC Avg
6.357%
▲ 0.181 vs 7 days ago
North Carolina used auto rates rose 0.181 points over the past 7 days to 6.357% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.
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)
- Carolinas Telco Federal Credit Union: 3.74% (New Auto Loans)
- Bragg Mutual Federal Credit Union: 3.79% (New Vehicles 0-36 Months Loan)
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: July 15, 2026
Auto Loan Rates by City in North Carolina
Rate Assistant
MonitorBankRates.com · Live Data
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