MonitorBankRates
☰
  1. Home
  2. ›
  3. Auto Loans
  4. ›
  5. North Carolina
  6. ›
  7. Charlotte
  8. iAdvertiser Disclosure
    Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Auto Loan Rates in Charlotte, North Carolina (NC) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • 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.
Read Full Bio →
| i Editorial Disclosure
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 Charlotte, North Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 22, 2026

Current auto loan rates in Charlotte, North Carolina include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750A+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Skyla Federal Credit UnionSkyla Federal Credit Union3700 South Blvd, Charlotte, NC, 28209A5.0 ★Texas Ratio: 6.28% offering Auto Loans at 3.99%, Blue Flame Credit Union Charlotte, NCBlue Flame Credit Union Charlotte, NC2000 Continental Blvd, Charlotte, NC, 28273A+5.0 ★Texas Ratio: 0.31% offering New Cars at 3.99%, Carolina Cooperative Federal Credit UnionCarolina Cooperative Federal Credit Union6502 McMahan Dr, Charlotte, NC, 28226A5.0 ★Texas Ratio: 6.75% offering Auto Loans at 4.99%, Charlotte Fire Department Credit UnionCharlotte Fire Department Credit Union2121 Commonwealth Ave, Charlotte, NC, 28205 5100A+5.0 ★Texas Ratio: 4.29% offering New Vehicles at 6.00%. Auto loan rates as of April 22, 2026 according to verified data from MonitorBankRates.

Charlotte has 5 local institutions in our database, with auto loan rates as low as 3.74% APR from American Airlines Federal Credit Union at 5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Charlotte, North Carolina. Auto Loan Rates Last Updated and Verified: April 22, 2026

Compare Auto Loan Rates Today in Charlotte, North Carolina & Surrounding Area

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: 2.63%
5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC, 28209
Auto Loans
3.99%
0 - 48
View
▼
APR3.99%
Term0 - 48
Last UpdatedApr 18, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.09%
48 Months
View
▼
APR4.09%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.19%
60 Months
View
▼
APR4.19%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.39%
36 Months
View
▼
APR4.39%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.59%
84 Months
View
▼
APR4.59%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.79%
96 Months
View
▼
APR4.79%
Term96 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 780 & Higher
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 700-779
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
5.99%
Up to 84 Months with Cash Out
View
▼
APR5.99%
TermUp to 84 Months with Cash Out
Last UpdatedApr 19, 2026
Details

As Low As

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Vehicles
6.00%
Max. Term 15 Years
View
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedApr 19, 2026
Details

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Used Vehicles
7.00%
Max. Term 15 Years
View
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedApr 19, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 650-699
7.25%
72 Months
View
▼
APR7.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 600-649
9.99%
72 Months
View
▼
APR9.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Scores 550-599
13.99%
60 Months
View
▼
APR13.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC, 28226
Auto Loans Credit Rebuilding Rate
17.50%
60 Months
View
▼
APR17.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Car
2.90%
84 Months
View
▼
APR2.90%
Term84 Months
Last UpdatedApr 17, 2026
Details

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Car
2.90%
60 Months
View
▼
APR2.90%
Term60 Months
Last UpdatedApr 17, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
3.79%
0-36
View
▼
APR3.79%
Term0-36
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
4.25%
Up to 72 months
View
▼
APR4.25%
TermUp to 72 months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
4.49%
Up to 84 months
View
▼
APR4.49%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Finance up to 80% of MSRP according to Black Book

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2020-2021
4.75%
max term 54 months
View
▼
APR4.75%
Termmax term 54 months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
4.75%
up to 60 months
View
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
4.75%
up to 60 months
View
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Used Car Loans
4.99%
36-84 months
View
▼
APR4.99%
Term36-84 months
Last UpdatedApr 19, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Car
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

Up to 84 months

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 22, 2026
Details

As Low As; Learn More

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.25%
37 - 48
View
▼
APR5.25%
Term37 - 48
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
5.25%
73-84 months
View
▼
APR5.25%
Term73-84 months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
Used Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Used Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Up to 72 months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedApr 18, 2026
Details

As Low As

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
New and Used Cars
5.50%
96 Months
View
▼
APR5.50%
Term96 Months
Last UpdatedApr 18, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan 90% financing
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
5.75%
0-36
View
▼
APR5.75%
Term0-36
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
5.75%
61-72 months
View
▼
APR5.75%
Term61-72 months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
5.75%
61-72 months
View
▼
APR5.75%
Term61-72 months
Last UpdatedApr 18, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.75%
61 Months - 84 Months
View
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedApr 19, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.99%
61 - 72
View
▼
APR5.99%
Term61 - 72
Last UpdatedApr 18, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
6.00%
49 - 60
View
▼
APR6.00%
Term49 - 60
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedApr 19, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedApr 22, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedApr 22, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
6.25%
61 - 72
View
▼
APR6.25%
Term61 - 72
Last UpdatedApr 18, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Finance up to 80% of Black Book^

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedApr 19, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedApr 19, 2026
Details

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Used Auto
6.85%
84 Months
View
▼
APR6.85%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
7.00%
96 Months
View
▼
APR7.00%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Business Vehicle Loan (Purchase or Refi)
7.24%
12-36
View
▼
APR7.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Finance up to 90% of Black Book^

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Business Vehicle Loan (Purchase or Refi)
7.49%
37-60
View
▼
APR7.49%
Term37-60
Last UpdatedApr 22, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Business Vehicle Loan (Purchase or Refi)
7.74%
61-66
View
▼
APR7.74%
Term61-66
Last UpdatedApr 22, 2026
Details

As Low As

Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
Older Auto Loans
7.74%
48 months
View
▼
APR7.74%
Term48 months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Business Vehicle Loan (Purchase or Refi)
7.99%
67-75
View
▼
APR7.99%
Term67-75
Last UpdatedApr 22, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto 2019 & Older- Max LTV < 90%
7.99%
up to 42 months
View
▼
APR7.99%
Termup to 42 months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
8.35%
96 Months
View
▼
APR8.35%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Business Vehicle Loan (Purchase or Refi)
8.74%
76-84
View
▼
APR8.74%
Term76-84
Last UpdatedApr 22, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
9.35%
108 Months
View
▼
APR9.35%
Term108 Months
Last UpdatedApr 18, 2026
Details

As Low As

Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
14.74%
Up to 84 months
View
▼
APR14.74%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details

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: 2.63%
5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.09%
48 Months
View
▼
APR4.09%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.19%
60 Months
View
▼
APR4.19%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.59%
84 Months
View
▼
APR4.59%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
New Cars
4.79%
96 Months
View
▼
APR4.79%
Term96 Months
Last UpdatedApr 19, 2026
Details

As Low As

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
New Vehicles
6.00%
Max. Term 15 Years
View
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedApr 19, 2026
Details

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Car
2.90%
84 Months
View
▼
APR2.90%
Term84 Months
Last UpdatedApr 17, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
3.79%
0-36
View
▼
APR3.79%
Term0-36
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
4.25%
Up to 72 months
View
▼
APR4.25%
TermUp to 72 months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Finance up to 80% of MSRP according to Black Book

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Car
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

Up to 84 months

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 22, 2026
Details

As Low As; Learn More

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.25%
37 - 48
View
▼
APR5.25%
Term37 - 48
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
5.25%
73-84 months
View
▼
APR5.25%
Term73-84 months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.50%
49 - 60
View
▼
APR5.50%
Term49 - 60
Last UpdatedApr 18, 2026
Details

As Low As

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
New and Used Cars
5.50%
96 Months
View
▼
APR5.50%
Term96 Months
Last UpdatedApr 18, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
New Vehicle Loan 90% financing
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.99%
61 - 72
View
▼
APR5.99%
Term61 - 72
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedApr 22, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedApr 19, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
7.00%
96 Months
View
▼
APR7.00%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
8.35%
96 Months
View
▼
APR8.35%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
9.35%
108 Months
View
▼
APR9.35%
Term108 Months
Last UpdatedApr 18, 2026
Details

As Low As

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: 2.63%
5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.39%
36 Months
View
▼
APR4.39%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5501 Josh Birmingham Pkwy, Charlotte, NC, 28208 5750
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC, 28273
Used Cars
5.99%
Up to 84 Months with Cash Out
View
▼
APR5.99%
TermUp to 84 Months with Cash Out
Last UpdatedApr 19, 2026
Details

As Low As

Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
2121 Commonwealth Ave, Charlotte, NC, 28205 5100
Used Vehicles
7.00%
Max. Term 15 Years
View
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedApr 19, 2026
Details

Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Car
2.90%
60 Months
View
▼
APR2.90%
Term60 Months
Last UpdatedApr 17, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.70%
Up to 36 Months
View
▼
APR3.70%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.80%
Up to 48 Months
View
▼
APR3.80%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.90%
Up to 60 Months
View
▼
APR3.90%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.05%
Up to 48 Months
View
▼
APR4.05%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.15%
Up to 60 Months
View
▼
APR4.15%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.20%
Up to 72 Months
View
▼
APR4.20%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.30%
Up to 48 Months
View
▼
APR4.30%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
View
▼
APR4.40%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.45%
Up to 72 Months
View
▼
APR4.45%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2020 or Newer**

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.55%
Up to 48 Months
View
▼
APR4.55%
TermUp to 48 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.65%
Up to 60 Months
View
▼
APR4.65%
TermUp to 60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.70%
Up to 72 Months
View
▼
APR4.70%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2020-2021
4.75%
max term 54 months
View
▼
APR4.75%
Termmax term 54 months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
4.75%
up to 60 months
View
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
4.75%
up to 60 months
View
▼
APR4.75%
Termup to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
4.75%
Up to 36 months
View
▼
APR4.75%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.80%
Up to 84 Months
View
▼
APR4.80%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.85%
60 Months
View
▼
APR4.85%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.95%
Up to 72 Months
View
▼
APR4.95%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details

As Low As

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Used Car Loans
4.99%
36-84 months
View
▼
APR4.99%
Term36-84 months
Last UpdatedApr 19, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.00%
24 Months or Less
View
▼
APR5.00%
Term24 Months or Less
Last UpdatedApr 18, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.05%
Up to 84 Months
View
▼
APR5.05%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Vehicle Model Years: 2022 or Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.15%
72 Months
View
▼
APR5.15%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedApr 22, 2026
Details

As Low As; Learn More

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
5.24%
12-36
View
▼
APR5.24%
Term12-36
Last UpdatedApr 22, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
Used Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
Used Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Up to 72 months

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
New and Used Cars
5.50%
96 Months
View
▼
APR5.50%
Term96 Months
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
5.75%
0-36
View
▼
APR5.75%
Term0-36
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
5.75%
61-72 months
View
▼
APR5.75%
Term61-72 months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
5.75%
61-72 months
View
▼
APR5.75%
Term61-72 months
Last UpdatedApr 18, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Cars, Trucks, SUVs, and Classics
5.75%
61 Months - 84 Months
View
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
5.75%
37-48 months
View
▼
APR5.75%
Term37-48 months
Last UpdatedApr 19, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
6.00%
49 - 60
View
▼
APR6.00%
Term49 - 60
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.00%
61-75 months
View
▼
APR6.00%
Term61-75 months
Last UpdatedApr 19, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.20%
60 Months
View
▼
APR6.20%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Used Car Loans (2024 and Older)
6.24%
76-84
View
▼
APR6.24%
Term76-84
Last UpdatedApr 22, 2026
Details

As Low As

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
6.25%
61 - 72
View
▼
APR6.25%
Term61 - 72
Last UpdatedApr 18, 2026
Details

As Low As

Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Finance up to 80% of Black Book^

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
View
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedApr 19, 2026
Details

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Used Auto
6.85%
84 Months
View
▼
APR6.85%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Finance up to 90% of Black Book^

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto 2019 & Older- Max LTV < 90%
7.99%
up to 42 months
View
▼
APR7.99%
Termup to 42 months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
8.35%
96 Months
View
▼
APR8.35%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
New, Used, or Refinanced Vehicle Loan
9.35%
108 Months
View
▼
APR9.35%
Term108 Months
Last UpdatedApr 18, 2026
Details

As Low As

Charlotte, NC Auto Loan Rate Trends

Compare local Charlotte, NC 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.

View Full North Carolina Auto Trends →
New Auto Loan — NC Avg
4.848%
▼ 1.417 vs 7 days ago

North Carolina new auto rates fell 1.417 points over the past 7 days to 4.848% APR.

Used Auto Loan — NC Avg
5.235%
▼ 0.531 vs 7 days ago

North Carolina used auto rates fell 0.531 points over the past 7 days to 5.235% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, North Carolina?

Based on our current data, some of the lowest auto loan rates available in Charlotte, North Carolina include:
  • American Airlines Federal Credit Union: 3.74% (New Auto)
  • Skyla Federal Credit Union: 3.99% (Auto Loans)
  • Blue Flame Credit Union Charlotte, NC: 3.99% (New Cars)
  • Carolina Cooperative Federal Credit Union: 4.99% (Auto Loans)
  • Charlotte Fire Department Credit Union: 6.00% (New Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Charlotte, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 22, 2026

Charlotte, North Carolina Rates & Resources

$
Charlotte, North Carolina CD Rates
$
Charlotte, North Carolina Savings Rates
$
Charlotte, North Carolina Money Market Rates
$
Charlotte, North Carolina Mortgage Rates
$
Charlotte, North Carolina Checking Account Rates
$
Charlotte, North Carolina Personal Loan Rates