Auto Loan Rates in Newport, North Carolina (NC) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Newport, North Carolina. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Newport, North Carolina include Internal Revenue Employees Federal Credit UnionInternal Revenue Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.03% offering New Car at 2.90%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.35% offering Fixed Rate New & Used Auto Loans at 3.50%, CS Credit UnionCS Credit UnionA+5.0 ★Texas Ratio: 0.65% offering New & Used Vehicles at 3.50%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Newport borrowers have access to 31 lenders serving the North Carolina area, with auto loan rates as low as 2.90% APR from Internal Revenue Employees Federal Credit Union. 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 Newport, North Carolina. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Newport, North Carolina & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Car
2.90%
84 Months
▼
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
▼
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
▼
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
▼
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
▼
APR3.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 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
▼
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
▼
APR3.79%
Term0-36
Last UpdatedMay 6, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
3.99%
12-36
▼
APR3.99%
Term12-36
Last UpdatedMay 7, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
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
▼
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
▼
APR4.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.00%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
4.24%
48 Months
▼
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%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details
As Low As
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
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMay 10, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 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
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
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
▼
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
▼
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
▼
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
▼
APR4.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Finance up to 80% of MSRP according to Black Book
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
4.69%
1-66
▼
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%
Used Car Loan
4.69%
1-60
▼
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%
Used Auto Loans
4.74%
12-36
▼
APR4.74%
Term12-36
Last UpdatedMay 7, 2026
Details
As Low As
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
▼
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
▼
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
▼
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
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
Current or Prior Year - less than 10,000 miles
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans 36 months
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details
APR4.75%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
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
▼
APR4.99%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
4.99%
48 Months
▼
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%
Used Auto
4.99%
Up to 60 months
▼
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%
Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans Credit Scores 780 & Higher
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
4.99%
72 Months
▼
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
▼
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
▼
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
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
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
▼
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
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details
Up to 84 months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans 48 months
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedMay 10, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
New Autos
5.00%
84 Months
▼
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
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.09%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 67 to 84 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.19%
1-66
▼
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%
Used Car Loan
5.19%
1-60
▼
APR5.19%
Term1-60
Last UpdatedMay 7, 2026
Details
As Low As; Non-Payroll Deduction
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Auto Loans
5.19%
49 to 60 Months
▼
APR5.19%
Term49 to 60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.20%
67-75
▼
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%
Used Car Loan
5.20%
61-66
▼
APR5.20%
Term61-66
Last UpdatedMay 7, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
▼
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
▼
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
▼
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
▼
APR5.24%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
5.24%
60 Months
▼
APR5.24%
Term60 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
▼
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
▼
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
▼
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
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
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
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
Current or Prior Year - less than 10,000 miles
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans
5.25%
36 months
▼
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%
Used auto loans 60 months
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedMay 10, 2026
Details
APR5.25%
Term37-48 months
Last UpdatedMay 12, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.35%
76-84
▼
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%
Used Car Loan
5.35%
67-75
▼
APR5.35%
Term67-75
Last UpdatedMay 7, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
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
▼
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
▼
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
▼
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
▼
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
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans
5.50%
48 months
▼
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%
Used auto loans 72 months
5.50%
72 months
▼
APR5.50%
Term72 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
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 84 Months
APR5.50%
Term61-75 months
Last UpdatedMay 12, 2026
Details
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
▼
APR5.69%
Term61 to 72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.70%
67-75
▼
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%
Used Car Loan
5.70%
61-66
▼
APR5.70%
Term61-66
Last UpdatedMay 7, 2026
Details
As Low As; Non-Payroll Deduction
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR5.74%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 67 to 84 months
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
▼
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
▼
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
▼
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
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.75%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 84 Months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.75%
Term37-48 months
Last UpdatedMay 12, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.85%
76-84
▼
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%
Used Car Loan
5.85%
67-75
▼
APR5.85%
Term67-75
Last UpdatedMay 7, 2026
Details
As Low As; Non-Payroll Deduction
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
▼
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
▼
APR5.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
5.99%
60 Months
▼
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%
Auto Loans Credit Scores 700-779
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
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
▼
APR6.00%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
New Vehicles
6.00%
Max. Term 15 Years
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As
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
▼
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
▼
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
▼
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
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details
As Low As
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
6.25%
61 - 72
▼
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
▼
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
▼
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
▼
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
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
Current or Prior Year - less than 10,000 miles
APR6.25%
Term76-84 months
Last UpdatedMay 12, 2026
Details
APR6.29%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 67 to 84 months
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
▼
APR6.49%
Term96 Months
Last UpdatedMay 7, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
6.49%
72 Months
▼
APR6.49%
Term72 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
▼
APR6.50%
Term73 - 84
Last UpdatedMay 6, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
6.50%
96 months
▼
APR6.50%
Term96 months
Last UpdatedMay 10, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
Used Auto
6.50%
76-84 months (2023 or Newer)
▼
APR6.50%
Term76-84 months (2023 or Newer)
Last UpdatedMay 12, 2026
Details
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
▼
APR6.69%
Term85 to 96 Months
Last UpdatedMay 10, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
Used Automobiles
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR6.85%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 84 Months
APR6.89%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Extended Mileage Car Loan (Term: 1-48 Months)**
6.94%
48 Months
▼
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%
Used Car - less than 100,000 Miles
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
7.00%
96 Months
▼
APR7.00%
Term96 Months
Last UpdatedMay 10, 2026
Details
As Low As
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Used Vehicles
7.00%
Max. Term 15 Years
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
7.00%
36 months
▼
APR7.00%
Term36 months
Last UpdatedMay 10, 2026
Details
APR7.04%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 67 to 84 months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Extended Mileage Car Loan (Term: 49-60 Months)**
7.14%
60 Months
▼
APR7.14%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
APR7.14%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As; 49 to 66 months
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans Credit Scores 650-699
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan
7.25%
84 Months
▼
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
▼
APR7.25%
Term96 Months
Last UpdatedMay 10, 2026
Details
Current or Prior Year - less than 10,000 miles
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
7.25%
48 months
▼
APR7.25%
Term48 months
Last UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Extended Mileage Car Loan (Term: 1-48 Months)**
7.44%
48 Months
▼
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%
New auto loans
7.50%
60 months
▼
APR7.50%
Term60 months
Last UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Extended Mileage Car Loan (Term: 49-60 Months)**
7.64%
60 Months
▼
APR7.64%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As; Non-Payroll Deduction
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
▼
APR7.74%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
7.75%
72 months
▼
APR7.75%
Term72 months
Last UpdatedMay 10, 2026
Details
APR7.89%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 months
APR8.14%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As; 49 to 66 months
APR8.19%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As; 67 to 84 months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
8.50%
84 months
▼
APR8.50%
Term84 months
Last UpdatedMay 10, 2026
Details
APR8.54%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 67 to 84 months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Extended Age and Mileage Used Auto Loans
8.65%
12-48
▼
APR8.65%
Term12-48
Last UpdatedMay 7, 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
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - greater than 100,000 Miles
9.00%
72 Months
▼
APR9.00%
Term72 Months
Last UpdatedMay 4, 2026
Details
up to 72 months
APR9.04%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 months
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Extended Age and Mileage Used Auto Loans
9.15%
60 Months
▼
APR9.15%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR9.19%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
9.25%
96 months
▼
APR9.25%
Term96 months
Last UpdatedMay 10, 2026
Details
APR9.34%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As; 49 to 66 months
APR9.44%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As; 49 to 66 months
APR9.84%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 67 to 84 months
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans Credit Scores 600-649
9.99%
72 Months
▼
APR9.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
APR10.34%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 48 months
APR10.59%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As; 49 to 66 months
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans Credit Scores 550-599
13.99%
60 Months
▼
APR13.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Auto Loan
14.74%
Up to 84 months
▼
APR14.74%
TermUp to 84 months
Last UpdatedMay 12, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Auto Loans Credit Rebuilding Rate
17.50%
60 Months
▼
APR17.50%
Term60 Months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Car
2.90%
84 Months
▼
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
▼
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
▼
APR3.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 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
▼
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
▼
APR3.79%
Term0-36
Last UpdatedMay 6, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
3.99%
12-36
▼
APR3.99%
Term12-36
Last UpdatedMay 7, 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
▼
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
▼
APR4.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR4.00%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 7, 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)
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMay 10, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
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
▼
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
▼
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
▼
APR4.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Finance up to 80% of MSRP according to Black Book
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 10, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
4.69%
1-66
▼
APR4.69%
Term1-66
Last UpdatedMay 7, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
Current or Prior Year - less than 10,000 miles
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedMay 10, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
4.99%
66 Months
▼
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
▼
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
▼
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
▼
APR5.00%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 or Newer
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details
Up to 84 months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedMay 10, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.88%
New Autos
5.00%
84 Months
▼
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
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.19%
1-66
▼
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%
New Vehicle
5.20%
67-75
▼
APR5.20%
Term67-75
Last UpdatedMay 7, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
▼
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
▼
APR5.24%
Term12-36
Last UpdatedMay 4, 2026
Details
As Low As
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
5.24%
60 Months
▼
APR5.24%
Term60 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
▼
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
▼
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
▼
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
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
Current or Prior Year - less than 10,000 miles
APR5.25%
Term37-48 months
Last UpdatedMay 12, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.35%
76-84
▼
APR5.35%
Term76-84
Last UpdatedMay 7, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
New Automobiles (2025 and Newer)
5.49%
75 Months
▼
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
▼
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
▼
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
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.50%
Term61-75 months
Last UpdatedMay 12, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.70%
67-75
▼
APR5.70%
Term67-75
Last UpdatedMay 7, 2026
Details
As Low As; Non-Payroll Deduction
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR5.75%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 84 Months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
New Vehicle
5.85%
76-84
▼
APR5.85%
Term76-84
Last UpdatedMay 7, 2026
Details
As Low As; Non-Payroll Deduction
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
New Vehicles
5.99%
61 - 72
▼
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
▼
APR5.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
New Vehicles
6.00%
Max. Term 15 Years
▼
APR6.00%
TermMax. Term 15 Years
Last UpdatedMay 10, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Car Loans
6.24%
76-84
▼
APR6.24%
Term76-84
Last UpdatedMay 4, 2026
Details
As Low As
APR6.25%
Term84 Months
Last UpdatedMay 4, 2026
Details
up to 84 months
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
6.25%
84 Months
▼
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
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
Current or Prior Year - less than 10,000 miles
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
▼
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
▼
APR6.50%
Term73 - 84
Last UpdatedMay 6, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
6.50%
96 months
▼
APR6.50%
Term96 months
Last UpdatedMay 10, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto Loans
6.74%
84 Months
▼
APR6.74%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
New Auto
7.00%
96 Months
▼
APR7.00%
Term96 Months
Last UpdatedMay 10, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
7.00%
36 months
▼
APR7.00%
Term36 months
Last UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.84%
New Auto
7.25%
96 Months
▼
APR7.25%
Term96 Months
Last UpdatedMay 10, 2026
Details
Current or Prior Year - less than 10,000 miles
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
7.25%
48 months
▼
APR7.25%
Term48 months
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
7.50%
60 months
▼
APR7.50%
Term60 months
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
7.75%
72 months
▼
APR7.75%
Term72 months
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
8.50%
84 months
▼
APR8.50%
Term84 months
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
New auto loans
9.25%
96 months
▼
APR9.25%
Term96 months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Internal Revenue Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Car
2.90%
60 Months
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR4.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 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
▼
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
▼
APR4.50%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Car Loan
4.69%
1-60
▼
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%
Used Auto Loans
4.74%
12-36
▼
APR4.74%
Term12-36
Last UpdatedMay 7, 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
▼
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
▼
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
▼
APR4.75%
Term60 Months
Last UpdatedMay 7, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans 36 months
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 10, 2026
Details
APR4.75%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
4.99%
48 Months
▼
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%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details
As Low As
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
▼
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
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans 48 months
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedMay 10, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Car Loan
5.19%
1-60
▼
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%
Used Car Loan
5.20%
61-66
▼
APR5.20%
Term61-66
Last UpdatedMay 7, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New and Used Vehicle Loans
5.24%
60 Months
▼
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
▼
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
▼
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
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
Up to 72 months
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans
5.25%
36 months
▼
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%
Used auto loans 60 months
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Car Loan
5.35%
67-75
▼
APR5.35%
Term67-75
Last UpdatedMay 7, 2026
Details
As Low As; Payroll Deduction or Automatic Draft
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★ Texas Ratio: 2.66%
Used Auto Loans
5.49%
84 Months
▼
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
▼
APR5.50%
Term96 Months
Last UpdatedMay 10, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans
5.50%
48 months
▼
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%
Used auto loans 72 months
5.50%
72 months
▼
APR5.50%
Term72 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
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 84 Months
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Car Loan
5.70%
61-66
▼
APR5.70%
Term61-66
Last UpdatedMay 7, 2026
Details
As Low As; Non-Payroll Deduction
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
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
▼
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
▼
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
▼
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
▼
APR5.75%
Term61 Months - 84 Months
Last UpdatedMay 10, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedMay 10, 2026
Details
As Low As
APR5.75%
Term37-48 months
Last UpdatedMay 12, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Used Car Loan
5.85%
67-75
▼
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%
Used Auto Loans
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
Used Vehicles
6.00%
49 - 60
▼
APR6.00%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
State Employees Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.54%
Used auto loans
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedMay 10, 2026
Details
As Low As
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
▼
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
▼
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
▼
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
▼
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
▼
APR6.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Finance up to 80% of Black Book^
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto Loans
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 7, 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)
▼
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
▼
APR6.84%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
APR6.85%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Up to 84 Months
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - less than 100,000 Miles
7.00%
84 Months
▼
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%
Used Vehicles
7.00%
Max. Term 15 Years
▼
APR7.00%
TermMax. Term 15 Years
Last UpdatedMay 10, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★ Texas Ratio: 61.44%
Used Vehicle Loan
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; Finance up to 90% of Black Book^
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Extended Age and Mileage Used Auto Loans
8.65%
12-48
▼
APR8.65%
Term12-48
Last UpdatedMay 7, 2026
Details
As Low As
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
Used Car - greater than 100,000 Miles
9.00%
72 Months
▼
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%
Extended Age and Mileage Used Auto Loans
9.15%
60 Months
▼
APR9.15%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Powered by
MonitorBankRates
Newport, NC Auto Loan Rate Trends
Compare local Newport, 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.
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
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Newport, North Carolina auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Newport, North Carolina directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Newport, North Carolina. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in NC.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Newport, 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 Newport, 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 Newport, 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 Newport, North Carolina?
Based on our current data, some of the lowest auto loan rates available in Newport, North Carolina include:
- Internal Revenue Employees Federal Credit Union: 2.90% (New Car)
- Baxter Credit Union: 3.24% (Auto Loans)
- United Federal Credit Union: 3.50% (Fixed Rate New & Used Auto Loans)
- CS Credit Union: 3.50% (New & Used Vehicles)
- American Airlines Federal Credit Union: 3.74% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Newport, North Carolina. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking