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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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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| 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: May 12, 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%, Carolinas Telco Federal Credit UnionCarolinas Telco Federal Credit Union5023 Central Ave, Charlotte, NC, 28205A+5.0 ★Texas Ratio: 4.17% offering New Auto Loans at 3.99%, State Employees Credit UnionState Employees Credit Union4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208A-5.0 ★Texas Ratio: 15.54% offering New auto loans at 4.25%, Allegacy Federal Credit UnionAllegacy Federal Credit Union100 Queens Rd, Charlotte, NC, 28204A5.0 ★Texas Ratio: 6.91% offering New Vehicle at 4.69%, 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%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Charlotte has 7 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: May 12, 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 UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
3.99%
12-36
View
▼
APR3.99%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
4.69%
1-66
View
▼
APR4.69%
Term1-66
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
4.69%
1-60
View
▼
APR4.69%
Term1-60
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Used Auto Loans
4.74%
12-36
View
▼
APR4.74%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans 36 months
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Used Auto Loans
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans 48 months
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.19%
1-66
View
▼
APR5.19%
Term1-66
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.19%
1-60
View
▼
APR5.19%
Term1-60
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.20%
67-75
View
▼
APR5.20%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.20%
61-66
View
▼
APR5.20%
Term61-66
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans 60 months
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.35%
76-84
View
▼
APR5.35%
Term76-84
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.35%
67-75
View
▼
APR5.35%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans 72 months
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.70%
67-75
View
▼
APR5.70%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.70%
61-66
View
▼
APR5.70%
Term61-66
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
5.75%
84 months
View
▼
APR5.75%
Term84 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.85%
76-84
View
▼
APR5.85%
Term76-84
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.85%
67-75
View
▼
APR5.85%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 2026
Details

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 UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Used Auto Loans
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
6.50%
96 months
View
▼
APR6.50%
Term96 months
Last UpdatedMay 10, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Extended Mileage Car Loan (Term: 1-48 Months)**
6.94%
48 Months
View
▼
APR6.94%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

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 UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
7.00%
36 months
View
▼
APR7.00%
Term36 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Extended Mileage Car Loan (Term: 49-60 Months)**
7.14%
60 Months
View
▼
APR7.14%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

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 UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
7.25%
48 months
View
▼
APR7.25%
Term48 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Extended Mileage Car Loan (Term: 1-48 Months)**
7.44%
48 Months
View
▼
APR7.44%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
7.50%
60 months
View
▼
APR7.50%
Term60 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Extended Mileage Car Loan (Term: 49-60 Months)**
7.64%
60 Months
View
▼
APR7.64%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
7.75%
72 months
View
▼
APR7.75%
Term72 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
8.50%
84 months
View
▼
APR8.50%
Term84 months
Last UpdatedMay 10, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Extended Age and Mileage Used Auto Loans
8.65%
12-48
View
▼
APR8.65%
Term12-48
Last UpdatedMay 7, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Extended Age and Mileage Used Auto Loans
9.15%
60 Months
View
▼
APR9.15%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
9.25%
96 months
View
▼
APR9.25%
Term96 months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 6, 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 UpdatedMay 6, 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 UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

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 UpdatedMay 10, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; 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 UpdatedMay 6, 2026
Details

As Low As

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 UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

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 UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Car Loans
4.49%
36-84 months
View
▼
APR4.49%
Term36-84 months
Last UpdatedMay 12, 2026
Details

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 UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 or Newer**

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
4.50%
Up to 60 Months
View
▼
APR4.50%
TermUp to 60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
4.74%
66 Months
View
▼
APR4.74%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2020-2021
4.75%
54 Months
View
▼
APR4.75%
Term54 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

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 UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 2026
Details

As Low As

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New Auto Loans
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

Up to 84 months

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
New Autos
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up tp 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 UpdatedMay 10, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
5.09%
84 Months
View
▼
APR5.09%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
5.19%
49 to 60 Months
View
▼
APR5.19%
Term49 to 60 Months
Last UpdatedMay 10, 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 UpdatedMay 4, 2026
Details

As Low As

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 UpdatedMay 4, 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 UpdatedMay 4, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedMay 7, 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 UpdatedMay 6, 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%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
5.25%
61 Months - 84 Months
View
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

Up to 72 months

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
5.39%
66 Months
View
▼
APR5.39%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

As Low As

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
Used Autos (2016 - 2025)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.50%
61-75 months
View
▼
APR5.50%
Term61-75 months
Last UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
5.59%
48 Months
View
▼
APR5.59%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
5.69%
61 to 72 Months
View
▼
APR5.69%
Term61 to 72 Months
Last UpdatedMay 10, 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 UpdatedMay 7, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
5.74%
48 Months
View
▼
APR5.74%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

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 UpdatedMay 6, 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%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
5.89%
66 Months
View
▼
APR5.89%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 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 UpdatedMay 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 7, 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 UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
5.99%
66 Months
View
▼
APR5.99%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

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 UpdatedMay 6, 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 UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedMay 7, 2026
Details

As Low As

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
6.19%
73 to 84 Months
View
▼
APR6.19%
Term73 to 84 Months
Last UpdatedMay 10, 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 UpdatedMay 4, 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 UpdatedMay 4, 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 UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

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

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
6.34%
48 Months
View
▼
APR6.34%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 7, 2026
Details

As Low As

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 UpdatedMay 6, 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 UpdatedMay 12, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
6.59%
66 Months
View
▼
APR6.59%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
6.69%
85 to 96 Months
View
▼
APR6.69%
Term85 to 96 Months
Last UpdatedMay 10, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Used Auto
6.85%
84 Months
View
▼
APR6.85%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
6.89%
48 Months
View
▼
APR6.89%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 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 UpdatedMay 10, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2027-2025 Auto Loan
7.04%
84 Months
View
▼
APR7.04%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
7.14%
66 Months
View
▼
APR7.14%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 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 UpdatedMay 10, 2026
Details

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

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
7.25%
96 Months
View
▼
APR7.25%
Term96 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2024-2022 Auto Loan
7.64%
84 Months
View
▼
APR7.64%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

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 UpdatedMay 7, 2026
Details

As Low As

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
7.89%
48 Months
View
▼
APR7.89%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
8.14%
66 Months
View
▼
APR8.14%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2021-2019 Auto Loan
8.19%
84 Months
View
▼
APR8.19%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
8.54%
72 Months
View
▼
APR8.54%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

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 UpdatedMay 7, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2014-2011 Auto Loan
9.04%
48 Months
View
▼
APR9.04%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
9.19%
48 Months
View
▼
APR9.19%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2014-2011 Auto Loan
9.34%
66 Months
View
▼
APR9.34%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
9.44%
66 Months
View
▼
APR9.44%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2018-2015 Auto Loan
9.84%
72 Months
View
▼
APR9.84%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 67 to 84 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2014-2011 Auto Loan
10.34%
48 Months
View
▼
APR10.34%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 48 months

COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
2014-2011 Auto Loan
10.59%
66 Months
View
▼
APR10.59%
Term66 Months
Last UpdatedMay 12, 2026
Details

As Low As; 49 to 66 months

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 UpdatedMay 12, 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 UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
3.99%
12-36
View
▼
APR3.99%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
4.24%
48 Months
View
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
4.69%
1-66
View
▼
APR4.69%
Term1-66
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.19%
1-66
View
▼
APR5.19%
Term1-66
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.20%
67-75
View
▼
APR5.20%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.35%
76-84
View
▼
APR5.35%
Term76-84
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.70%
67-75
View
▼
APR5.70%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
5.75%
84 months
View
▼
APR5.75%
Term84 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
New Vehicle
5.85%
76-84
View
▼
APR5.85%
Term76-84
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

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 UpdatedMay 10, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
New Car
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
6.50%
96 months
View
▼
APR6.50%
Term96 months
Last UpdatedMay 10, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
New Auto Loans
6.74%
84 Months
View
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
7.00%
36 months
View
▼
APR7.00%
Term36 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
7.25%
48 months
View
▼
APR7.25%
Term48 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
7.50%
60 months
View
▼
APR7.50%
Term60 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
7.75%
72 months
View
▼
APR7.75%
Term72 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
8.50%
84 months
View
▼
APR8.50%
Term84 months
Last UpdatedMay 10, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
New auto loans
9.25%
96 months
View
▼
APR9.25%
Term96 months
Last UpdatedMay 10, 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 UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

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 UpdatedMay 10, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; 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 UpdatedMay 6, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
New Auto (Less than 10,000 miles)
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
New Car Loans
4.49%
36-84 months
View
▼
APR4.49%
Term36-84 months
Last UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2020 or Newer**

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
4.50%
Up to 60 Months
View
▼
APR4.50%
TermUp to 60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.99%
66 Months
View
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 2026
Details

As Low As

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
New Auto Loans
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

Arcade Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.35%
New Car
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

Up to 84 months

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
New Autos
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up tp 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 UpdatedMay 10, 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 UpdatedMay 4, 2026
Details

As Low As

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 UpdatedMay 4, 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 UpdatedMay 6, 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%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Welcome Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
New Cars, Trucks, and SUVs
5.25%
61 Months - 84 Months
View
▼
APR5.25%
Term61 Months - 84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 7, 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 UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details

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 UpdatedMay 7, 2026
Details

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
New Auto
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 10, 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 UpdatedMay 6, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 7, 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 UpdatedMay 4, 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 UpdatedMay 10, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
New Auto
6.25%
76-84 months
View
▼
APR6.25%
Term76-84 months
Last UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
6.49%
96 Months
View
▼
APR6.49%
Term96 Months
Last UpdatedMay 7, 2026
Details

As Low As

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 UpdatedMay 6, 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 UpdatedMay 10, 2026
Details

As Low As

Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
7.25%
96 Months
View
▼
APR7.25%
Term96 Months
Last UpdatedMay 10, 2026
Details

Current or Prior Year - less than 10,000 miles

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 UpdatedMay 7, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
4.69%
1-60
View
▼
APR4.69%
Term1-60
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Used Auto Loans
4.74%
12-36
View
▼
APR4.74%
Term12-36
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans 36 months
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Used Auto Loans
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans 48 months
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.19%
1-60
View
▼
APR5.19%
Term1-60
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.20%
61-66
View
▼
APR5.20%
Term61-66
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans 60 months
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.35%
67-75
View
▼
APR5.35%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Payroll Deduction or Automatic Draft

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 10, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans 72 months
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMay 10, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.70%
61-66
View
▼
APR5.70%
Term61-66
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedMay 10, 2026
Details

As Low As

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
100 Queens Rd, Charlotte, NC, 28204
Used Car Loan
5.85%
67-75
View
▼
APR5.85%
Term67-75
Last UpdatedMay 7, 2026
Details

As Low As; Non-Payroll Deduction

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Used Auto Loans
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC, 28208
Used auto loans
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Used Auto Loans
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Used Car - less than 100,000 Miles
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details

up to 84 months

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 UpdatedMay 10, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Extended Age and Mileage Used Auto Loans
8.65%
12-48
View
▼
APR8.65%
Term12-48
Last UpdatedMay 7, 2026
Details

As Low As

Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
1065 Providence Rd, Charlotte, NC, 28207 2568
Used Car - greater than 100,000 Miles
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details

up to 72 months

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
5023 Central Ave, Charlotte, NC, 28205
Extended Age and Mileage Used Auto Loans
9.15%
60 Months
View
▼
APR9.15%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

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 UpdatedMay 6, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

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 UpdatedMay 10, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
3.75%
48 Months
View
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; All Years**

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; 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 UpdatedMay 10, 2026
Details

As Low As

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; 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 UpdatedMay 10, 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%
54 Months
View
▼
APR4.75%
Term54 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2022-2023
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details

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 UpdatedMay 12, 2026
Details

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 UpdatedMay 12, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Fixed Rate New & Used Auto Loans
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; 2022 or Newer

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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 4, 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 UpdatedMay 4, 2026
Details

As Low As

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
5.24%
66 Months
View
▼
APR5.24%
Term66 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

Up to 72 months

Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Auto Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

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 UpdatedMay 10, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
Used Autos (2016 - 2025)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

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 UpdatedMay 7, 2026
Details

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 UpdatedMay 6, 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%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Used Auto Year Model 2024-2026
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMay 7, 2026
Details

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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 6, 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 UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedMay 7, 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 UpdatedMay 4, 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 UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

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

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 UpdatedMay 12, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.84%
84 Months
View
▼
APR6.84%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

TCP Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
Used Auto
6.85%
84 Months
View
▼
APR6.85%
Term84 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details

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

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
6.411%
▲ 1.155 vs 7 days ago

North Carolina new auto rates rose 1.155 points over the past 7 days to 6.411% APR.

Used Auto Loan — NC Avg
5.544%
▼ 0.245 vs 7 days ago

North Carolina used auto rates fell 0.245 points over the past 7 days to 5.544% APR.

As of May 15, 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)
  • Carolinas Telco Federal Credit Union: 3.99% (New Auto Loans)
  • State Employees Credit Union: 4.25% (New auto loans)
  • Allegacy Federal Credit Union: 4.69% (New Vehicle)
  • Carolina Cooperative Federal Credit Union: 4.99% (Auto Loans)
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: May 12, 2026

Charlotte, North Carolina Rates & Resources

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