Auto Loan Rates in Middletown, Ohio (OH) for July 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 Middletown, Ohio. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Middletown, Ohio include Middletown Area Schools Credit UnionMiddletown Area Schools Credit Union1730 Central Ave, Middletown, OH, 45044 4140A+5.0 ★Texas Ratio: 1.55% offering New Vehicle Loan at 4.00%, River Valley Credit Union Miamisburg, OHRiver Valley Credit Union Miamisburg, OH815 Elliott Dr, Middletown, OH, 45044 6211A+5.0 ★Texas Ratio: 3.77% offering Auto Loans 2023 & newer at 5.16%, Sorg Bay West Federal Credit UnionSorg Bay West Federal Credit Union400 N BROAD ST, MIDDLETOWN, OH, 45042 1909F1.0 ★Texas Ratio: 46.20% offering New Vehicle Loan at 5.90%, YTR Community Federal Credit UnionYTR Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.85% offering New Auto (2022-Newer) at 2.50%, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Middletown has 3 local institutions in our database, with auto loan rates as low as 4.00% APR from Middletown Area Schools Credit Union at 1730 Central Ave, Middletown, OH, 45044 4140. 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 Middletown, Ohio. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Middletown, Ohio & Surrounding Area
Middletown Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 16, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 16, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 16, 2026
Details
over $20,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
over $20,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
$25,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
over $25,000; As Low As
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
815 Elliott Dr, Middletown, OH, 45044 6211
Auto Loans 2023 & newer
5.16%
48 Month
▼
APR5.16%
Term48 Month
Last UpdatedJul 16, 2026
Details
As Low As; 4.84%
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
400 N BROAD ST, MIDDLETOWN, OH, 45042 1909
New Vehicle Loan
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2022-2019 Loan
5.99%
36 Months - 60 Months
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedJul 16, 2026
Details
As Low As
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
400 N BROAD ST, MIDDLETOWN, OH, 45042 1909
Used Vehicle Loans 1-3 Years Old
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
400 N BROAD ST, MIDDLETOWN, OH, 45042 1909
Used Vehicle Loans 4-5 Years Old
6.90%
60 Months
▼
APR6.90%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
400 N BROAD ST, MIDDLETOWN, OH, 45042 1909
Used Vehicle Loans All Others
6.90%
60 Months
▼
APR6.90%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2018 or older Loan
8.00%
60 Months
▼
APR8.00%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.50%
24 Months
▼
APR2.50%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A++ 750+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.75%
24 Months
▼
APR2.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Auto Loan
2.99%
36 months
▼
APR2.99%
Term36 months
Last UpdatedJul 15, 2026
Details
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 24 Months
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.74%
60 Months
▼
APR3.74%
Term60 Months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 24 Months
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedJul 16, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedJul 16, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedJul 16, 2026
Details
Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
Auto Loans 2025-2026
3.99%
Up to 66 Months
▼
APR3.99%
TermUp to 66 Months
Last UpdatedJul 16, 2026
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Autos
3.99%
up to 48 months
▼
APR3.99%
Termup to 48 months
Last UpdatedJul 16, 2026
Details
As Low As; Rates subject to credit history, term and other factors. Not all applicants will qualify for our lowest rates. Rates can change daily.
LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
New Auto 2026 (up to 48 months)
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates as low as
LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
New Auto 2026 (up to 60 months)
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates as low as
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 36 Months
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
4.10%
24 Months
▼
APR4.10%
Term24 Months
Last UpdatedJul 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan Up to 36 Months
4.29%
Up to 36 Months
▼
APR4.29%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedJul 15, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.31%
48 Months
▼
APR4.31%
Term48 Months
Last UpdatedJul 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedJul 15, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedJul 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedJul 15, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2020 and newer
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2020 & Newer
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 16, 2026
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
New and Used Vehicles (up to 1 ton capacity) Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail; 1-7 years old
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan 37-48 Months
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan 49-60 Months
4.54%
60 Months
▼
APR4.54%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan 61-72 Months
4.54%
72 Months
▼
APR4.54%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedJul 6, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedJul 6, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.60%
24 Months
▼
APR4.60%
Term24 Months
Last UpdatedJul 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $7,500
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan
4.69%
36 months
▼
APR4.69%
Term36 months
Last UpdatedJul 15, 2026
Details
Model Year: New - 2024
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan
4.70%
60 months
▼
APR4.70%
Term60 months
Last UpdatedJul 15, 2026
Details
Model Year: New - 2024
Members Choice Credit Union Greenville, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Vehicle Loans
4.72%
72 months
▼
APR4.72%
Term72 months
Last UpdatedJul 16, 2026
Details
Honoring Silent Heroes: Firefighters This July and August, vehicles 2019 and newer have an interest rate of 4.49% (APR: 4.719%*) when you have a credit score of 660 or higher. *APR based on a $30,000.00 loan with a $199.00 closing fee for 72 months. See loan dept. for details.
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2020
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2021
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2022
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2020 & Newer
4.74%
Up to 76 Months
▼
APR4.74%
TermUp to 76 Months
Last UpdatedJul 16, 2026
Details
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Rates As Low As
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Pre-Owned Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Rates As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
Toledo Urban Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.96%
New Auto
4.75%
Up to 84 Months
▼
APR4.75%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 16, 2026
Details
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedJul 15, 2026
Details
Model Year: 2023 - 2021
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.23%
New Vehicle Loan
4.82%
72 Months
▼
APR4.82%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR 4.82%**
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedJul 15, 2026
Details
Model Year: New - 2024
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New Autos 2025 & Newer
4.93%
up to 72 Months
▼
APR4.93%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedJul 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedJul 15, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedJul 15, 2026
Details
As Low As
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Vehicle Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rate
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 66 Months
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 15, 2026
Details
Model Year: 2023 - 2021
Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2020 and newer
Golden Circle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Auto Loans (Offering clear title for other purposes)
4.99%
Contact us for details.
▼
APR4.99%
TermContact us for details.
Last UpdatedJul 16, 2026
Details
As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice.
Golden Circle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Auto Loans (Purchase or Refinance)
4.99%
Contact us for details.
▼
APR4.99%
TermContact us for details.
Last UpdatedJul 16, 2026
Details
As low as; Interest rates are determined by the credit profile of the borrowing member and the terms and conditions of the loan request. No interest rate is finalized until a valid Loan Application has been submitted. The above rates are valid as of the date listed above, and subject to change without notice.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJul 16, 2026
Details
As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 36 Months
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.00%
1-36 Months
▼
APR5.00%
Term1-36 Months
Last UpdatedJul 15, 2026
Details
Credit Rating: A+
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedJul 16, 2026
Details
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car Loans
5.00%
1-6 year loan
▼
APR5.00%
Term1-6 year loan
Last UpdatedJul 16, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2021-2023
5.04%
up to 72 Months
▼
APR5.04%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan 73-78 Months
5.04%
78 Months
▼
APR5.04%
Term78 Months
Last UpdatedJul 16, 2026
Details
As Low As
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos & Trucks
5.08%
Up to 60 months
▼
APR5.08%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details
As Low As; 4.74% Rate
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedJul 16, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2021-2023
5.11%
up to 60 Months
▼
APR5.11%
Termup to 60 Months
Last UpdatedJul 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.14%
Up to 36 Months
▼
APR5.14%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedJul 6, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $15,000
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans 1-75 month term
5.24%
75 Month
▼
APR5.24%
Term75 Month
Last UpdatedJul 15, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Automobiles (2021 - 2024) 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated payment per $1000: $17.48
Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loan
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
Rate includes 0.25% discount for automatic payment. Rates are subject to change without notice. *Annual Percentage Rate.
Stark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Auto Loans
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
Vehicle Year: 2020 and newer
Pathways Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.22%
New Auto Loans
5.24%
Terms up to 85 months available
▼
APR5.24%
TermTerms up to 85 months available
Last UpdatedJul 16, 2026
Details
As Low As; 3 model year vehicles
APR5.24%
Term36 Month
Last UpdatedJul 16, 2026
Details
Rates as low as 5.24 % APR
Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New and Used Vehicle Loans
5.25%
Up to 35 months
▼
APR5.25%
TermUp to 35 months
Last UpdatedJul 15, 2026
Details
As Low As; Any Year
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 650-719
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.25%
37-48 Months
▼
APR5.25%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
Credit Rating: A+
Homeland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.50%
Auto Loans 2024-2026
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
ERIE COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 7.53%
New (2025 - 2026) Auto Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR*
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos & Trucks
5.28%
61 to 72 Months
▼
APR5.28%
Term61 to 72 Months
Last UpdatedJul 6, 2026
Details
As Low As; 4.99% Rate
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedJul 6, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedJul 6, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
61 to 72 months
▼
APR5.29%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.23%
Used Vehicle Loans
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR 5.32%**
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Autos & Trucks
5.33%
Up to 60 Months
▼
APR5.33%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
2022-2024
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2019-2020
5.35%
up to 60 Months
▼
APR5.35%
Termup to 60 Months
Last UpdatedJul 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 6, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 6, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 63 Months
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedJul 16, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.39%
61-72 Months
▼
APR5.39%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedJul 6, 2026
Details
Toledo Fire Fighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Auto Loan
5.49%
Up to 84 months; Over 72 months add 0.5%
▼
APR5.49%
TermUp to 84 months; Over 72 months add 0.5%
Last UpdatedJul 6, 2026
Details
As Low As; Rates shown are "as low as" based on credit score.
Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New or Used Vehicles Loan
5.49%
up to 96 months
▼
APR5.49%
Termup to 96 months
Last UpdatedJul 11, 2026
Details
As Low As; We Will Finance: up to 120% LTV*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2019
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2018
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2019
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicles Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
2022 - 2024 Model Years - Up to 110% NADA Retail Value
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans 1-75 month term
5.49%
75 Month
▼
APR5.49%
Term75 Month
Last UpdatedJul 15, 2026
Details
As Low As; Bright Auto Loans
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans Used (2021-2026) 1-75 month term
5.49%
75 Month
▼
APR5.49%
Term75 Month
Last UpdatedJul 15, 2026
Details
As Low As; Used (2021-2026)
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJul 15, 2026
Details
Model Year: 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 75 Months
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As
LCE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
Vehicle Loan
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedJul 15, 2026
Details
Model Year: 2020 - 2016
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Vehicle - 2025 & 2026 Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
OUCU Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New vehicles 2025 and newer Loan
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedJul 16, 2026
Details
As Low As; New vehicles 2025 and newer (current model year or prior model year with fewer than 15,000 miles)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 1-3 years old Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 16, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 4-5 years old Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 6-7 years old Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 8 years or older Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 8-plus years Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 73 to 84 months Loan
5.49%
73 to 84 months
▼
APR5.49%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 60 Months
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 650-719
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.50%
49-60 Months
▼
APR5.50%
Term49-60 Months
Last UpdatedJul 15, 2026
Details
Credit Rating: A+
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.50%
1-36 Months
▼
APR5.50%
Term1-36 Months
Last UpdatedJul 15, 2026
Details
Credit Rating: A
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
New and Used Vehicles (up to 1 ton capacity) Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail; 1-3 years old
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Car Loans
5.50%
1-4 year loan
▼
APR5.50%
Term1-4 year loan
Last UpdatedJul 16, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2019-2020
5.50%
up to 48 Months
▼
APR5.50%
Termup to 48 Months
Last UpdatedJul 16, 2026
Details
ERIE COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 7.53%
Used (2021 - 2024) Auto Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.56%
48 Months
▼
APR5.56%
Term48 Months
Last UpdatedJul 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedJul 6, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedJul 6, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Vehicles 2022 - 2021 Models (Loan Amounts of or Greater) Up to 48 Months
5.59%
Up to 48 Months
▼
APR5.59%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
$30,000
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.60%
60 months
▼
APR5.60%
Term60 months
Last UpdatedJul 15, 2026
Details
Model Year: 2026
Bridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
2016 - 2025 Used Auto & Truck Models
5.61%
Up to 60 Months
▼
APR5.61%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
ConnectMORE** Rates as Low as
Toledo Fire Fighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Auto Loan
5.61%
Up to 84 months*; Over 72 months add 0.50%*
▼
APR5.61%
TermUp to 84 months*; Over 72 months add 0.50%*
Last UpdatedJul 6, 2026
Details
As Low As; * Indicates rate as low as based on credit score. Annual Percentage Rate includes $75.00 processing fee. Rates and terms are determined by your credit qualifications.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.66%
36 Months
▼
APR5.66%
Term36 Months
Last UpdatedJul 16, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (over 7 yrs)
5.66%
36 Months
▼
APR5.66%
Term36 Months
Last UpdatedJul 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.69%
72 Months
▼
APR5.69%
Term72 Months
Last UpdatedJul 6, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedJul 6, 2026
Details
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 84 Months
5.72%
Up to 84 Months
▼
APR5.72%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As low as
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 66 Months
5.74%
Up to 66 Months
▼
APR5.74%
TermUp to 66 Months
Last UpdatedJul 11, 2026
Details
As Low As
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 78 Months
5.74%
Up to 78 Months
▼
APR5.74%
TermUp to 78 Months
Last UpdatedJul 11, 2026
Details
As Low As
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2017
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2016/Older
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2017
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans 1-51 month term
5.74%
51 Month
▼
APR5.74%
Term51 Month
Last UpdatedJul 15, 2026
Details
As Low As; Bright Auto Loans
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans 76-84 month term K
5.74%
84 Month
▼
APR5.74%
Term84 Month
Last UpdatedJul 15, 2026
Details
$30; As Low As
Sylvania Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 15, 2026
Details
Rate includes 0.25% discount for automatic payment. Rates are subject to change without notice. *Annual Percentage Rate.
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles (2019-2020) Loan
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles (2021-2023 & 2024 - less than K) Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 15, 2026
Details
$15; As Low As
Powered by
MonitorBankRates
Middletown New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 16, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 16, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedJul 16, 2026
Details
over $20,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
over $20,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
New Vehicle Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
$25,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
over $25,000; As Low As
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
815 Elliott Dr, Middletown, OH, 45044 6211
Auto Loans 2023 & newer
5.16%
48 Month
▼
APR5.16%
Term48 Month
Last UpdatedJul 16, 2026
Details
As Low As; 4.84%
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
400 N BROAD ST, MIDDLETOWN, OH, 45042 1909
New Vehicle Loan
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.50%
24 Months
▼
APR2.50%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A++ 750+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
2.75%
24 Months
▼
APR2.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.74%
60 Months
▼
APR3.74%
Term60 Months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedJul 16, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.90%
36 Months
▼
APR3.90%
Term36 Months
Last UpdatedJul 16, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedJul 16, 2026
Details
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
New Autos
3.99%
up to 48 months
▼
APR3.99%
Termup to 48 months
Last UpdatedJul 16, 2026
Details
As Low As; Rates subject to credit history, term and other factors. Not all applicants will qualify for our lowest rates. Rates can change daily.
LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
New Auto 2026 (up to 48 months)
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates as low as
LAKEVIEW
Institution Rating:
B+4.8 ★ Texas Ratio: 0.59%
New Auto 2026 (up to 60 months)
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates as low as
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
New Vehicle Loan
4.10%
24 Months
▼
APR4.10%
Term24 Months
Last UpdatedJul 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan Up to 36 Months
4.29%
Up to 36 Months
▼
APR4.29%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedJul 15, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.31%
48 Months
▼
APR4.31%
Term48 Months
Last UpdatedJul 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedJul 15, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedJul 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedJul 15, 2026
Details
As Low As
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 48 Months
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2020 & Newer
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJul 16, 2026
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
New and Used Vehicles (up to 1 ton capacity) Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail; 1-7 years old
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan 37-48 Months
4.54%
48 Months
▼
APR4.54%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan 49-60 Months
4.54%
60 Months
▼
APR4.54%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan 61-72 Months
4.54%
72 Months
▼
APR4.54%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedJul 6, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.60%
24 Months
▼
APR4.60%
Term24 Months
Last UpdatedJul 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $7,500
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2020
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2021
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2022
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*
Friends And Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
Auto Loan 2020 & Newer
4.74%
Up to 76 Months
▼
APR4.74%
TermUp to 76 Months
Last UpdatedJul 16, 2026
Details
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Rates As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
4.75%
84 Months
▼
APR4.75%
Term84 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ 720-749
Toledo Urban Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.96%
New Auto
4.75%
Up to 84 Months
▼
APR4.75%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedJul 16, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.23%
New Vehicle Loan
4.82%
72 Months
▼
APR4.82%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR 4.82%**
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New Autos 2025 & Newer
4.93%
up to 72 Months
▼
APR4.93%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedJul 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedJul 15, 2026
Details
As Low As
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Vehicle Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rate
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 66 Months
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
New Vehicle Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJul 16, 2026
Details
As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
New Auto (2022-Newer)
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A 650-719
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.00%
1-36 Months
▼
APR5.00%
Term1-36 Months
Last UpdatedJul 15, 2026
Details
Credit Rating: A+
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Car Loans
5.00%
1-6 year loan
▼
APR5.00%
Term1-6 year loan
Last UpdatedJul 16, 2026
Details
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
New Auto Loan 73-78 Months
5.04%
78 Months
▼
APR5.04%
Term78 Months
Last UpdatedJul 16, 2026
Details
As Low As
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos & Trucks
5.08%
Up to 60 months
▼
APR5.08%
TermUp to 60 months
Last UpdatedJul 6, 2026
Details
As Low As; 4.74% Rate
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedJul 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $15,000
Pathways Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.22%
New Auto Loans
5.24%
Terms up to 85 months available
▼
APR5.24%
TermTerms up to 85 months available
Last UpdatedJul 16, 2026
Details
As Low As; 3 model year vehicles
Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New and Used Vehicle Loans
5.25%
Up to 35 months
▼
APR5.25%
TermUp to 35 months
Last UpdatedJul 15, 2026
Details
As Low As; Any Year
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.25%
37-48 Months
▼
APR5.25%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
Credit Rating: A+
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
New Cars & Trucks Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
ERIE COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 7.53%
New (2025 - 2026) Auto Loan
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR*
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos & Trucks
5.28%
61 to 72 Months
▼
APR5.28%
Term61 to 72 Months
Last UpdatedJul 6, 2026
Details
As Low As; 4.99% Rate
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedJul 6, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
61 to 72 months
▼
APR5.29%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 6, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 63 Months
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedJul 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New or Used Vehicles Loan
5.49%
up to 96 months
▼
APR5.49%
Termup to 96 months
Last UpdatedJul 11, 2026
Details
As Low As; We Will Finance: up to 120% LTV*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2019
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2018
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2019
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
New Automobiles (2025 and Newer) - 75 Months
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedJul 15, 2026
Details
As Low As
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
New Vehicle - 2025 & 2026 Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 15, 2026
Details
As Low As
OUCU Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
New vehicles 2025 and newer Loan
5.49%
24 Months
▼
APR5.49%
Term24 Months
Last UpdatedJul 16, 2026
Details
As Low As; New vehicles 2025 and newer (current model year or prior model year with fewer than 15,000 miles)
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 73 to 84 months Loan
5.49%
73 to 84 months
▼
APR5.49%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.50%
49-60 Months
▼
APR5.50%
Term49-60 Months
Last UpdatedJul 15, 2026
Details
Credit Rating: A+
Local Union 392 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
New Auto Loans 2026 - 2027 6,000 Miles or Less
5.50%
1-36 Months
▼
APR5.50%
Term1-36 Months
Last UpdatedJul 15, 2026
Details
Credit Rating: A
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
New and Used Vehicles (up to 1 ton capacity) Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail; 1-3 years old
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedJul 6, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
New Vehicle Financing
5.69%
72 Months
▼
APR5.69%
Term72 Months
Last UpdatedJul 6, 2026
Details
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 84 Months
5.72%
Up to 84 Months
▼
APR5.72%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As low as
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 66 Months
5.74%
Up to 66 Months
▼
APR5.74%
TermUp to 66 Months
Last UpdatedJul 11, 2026
Details
As Low As
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 78 Months
5.74%
Up to 78 Months
▼
APR5.74%
TermUp to 78 Months
Last UpdatedJul 11, 2026
Details
As Low As
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2017
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2016/Older
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2017
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
Powered by
MonitorBankRates
Middletown Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.00%
36 Months - 63 Months
▼
APR4.00%
Term36 Months - 63 Months
Last UpdatedJul 16, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
over $20,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2023 or newer Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJul 16, 2026
Details
over $25,000; As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2022-2019 Loan
5.99%
36 Months - 60 Months
▼
APR5.99%
Term36 Months - 60 Months
Last UpdatedJul 16, 2026
Details
As Low As
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
400 N BROAD ST, MIDDLETOWN, OH, 45042 1909
Used Vehicle Loans 1-3 Years Old
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
400 N BROAD ST, MIDDLETOWN, OH, 45042 1909
Used Vehicle Loans 4-5 Years Old
6.90%
60 Months
▼
APR6.90%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Sorg Bay West Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 46.20%
400 N BROAD ST, MIDDLETOWN, OH, 45042 1909
Used Vehicle Loans All Others
6.90%
60 Months
▼
APR6.90%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Middletown Area Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
1730 Central Ave, Middletown, OH, 45044 4140
Used Vehicle 2018 or older Loan
8.00%
60 Months
▼
APR8.00%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
2.99%
Up to 36 Months
▼
APR2.99%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 24 Months
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 24 Months
3.75%
24 Months
▼
APR3.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 36 Months
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.15%
Up to 48 Months
▼
APR4.15%
TermUp to 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 60 Months
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.30%
4 years
▼
APR4.30%
Term4 years
Last UpdatedJul 15, 2026
Details
As Low As
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.31%
48 Months
▼
APR4.31%
Term48 Months
Last UpdatedJul 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.39%
3 years
▼
APR4.39%
Term3 years
Last UpdatedJul 15, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.40%
Up to 60 Months
▼
APR4.40%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.41%
36 Months
▼
APR4.41%
Term36 Months
Last UpdatedJul 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.49%
Up to 39 Months
▼
APR4.49%
TermUp to 39 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $4,000
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.49%
5 years
▼
APR4.49%
Term5 years
Last UpdatedJul 15, 2026
Details
As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A++ (750+)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
New and Used Vehicles (up to 1 ton capacity) Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail; 1-7 years old
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
4.59%
36 Months
▼
APR4.59%
Term36 Months
Last UpdatedJul 6, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.60%
24 Months
▼
APR4.60%
Term24 Months
Last UpdatedJul 16, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.69%
40 - 64 Months
▼
APR4.69%
Term40 - 64 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $7,500
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2026/2025/2024/2023
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2020
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2021
4.74%
36 - 48 months
▼
APR4.74%
Term36 - 48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2022
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2026/2025/2024/2023
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJul 12, 2026
Details
As Low As*
CAREY POVERELLO
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Pre-Owned Vehicle Loan
4.74%
Up to 84 months
▼
APR4.74%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Rates As Low As
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 24 Months
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 750+
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
4.89%
65 - 75 Months
▼
APR4.89%
Term65 - 75 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $10,000
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 Up to 48 months Loan
4.89%
Up to 48 months
▼
APR4.89%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
4.90%
Up to 72 Months
▼
APR4.90%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (4 yrs or newer)
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedJul 16, 2026
Details
Desco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Cars and Trucks Loan
4.95%
6 years
▼
APR4.95%
Term6 years
Last UpdatedJul 15, 2026
Details
As Low As
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2024 & Newer
4.96%
up to 72 Months
▼
APR4.96%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 36 Months
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 650-719
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 720-749
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedJul 16, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2021-2023
5.04%
up to 72 Months
▼
APR5.04%
Termup to 72 Months
Last UpdatedJul 16, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 49 to 60 months Loan
5.09%
49 to 60 months
▼
APR5.09%
Term49 to 60 months
Last UpdatedJul 16, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2021-2023
5.11%
up to 60 Months
▼
APR5.11%
Termup to 60 Months
Last UpdatedJul 16, 2026
Details
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.14%
Up to 36 Months
▼
APR5.14%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
As Low As
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.19%
36 Months
▼
APR5.19%
Term36 Months
Last UpdatedJul 6, 2026
Details
Cornerstone Community Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.53%
Auto Loans - New & Used
5.19%
76 - 88 Months
▼
APR5.19%
Term76 - 88 Months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount $15,000
Honda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
Used Automobiles (2021 - 2024) 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated payment per $1000: $17.48
Commodore Perry Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New and Used Vehicle Loans
5.25%
Up to 35 months
▼
APR5.25%
TermUp to 35 months
Last UpdatedJul 15, 2026
Details
As Low As; Any Year
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 48 Months
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 650-719
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedJul 6, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 61 to 72 months Loan
5.29%
61 to 72 months
▼
APR5.29%
Term61 to 72 months
Last UpdatedJul 16, 2026
Details
Cincinnati Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.23%
Used Vehicle Loans
5.32%
60 Months
▼
APR5.32%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR 5.32%**
TrueCore Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Used Autos & Trucks
5.33%
Up to 60 Months
▼
APR5.33%
TermUp to 60 Months
Last UpdatedJul 6, 2026
Details
2022-2024
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2019-2020
5.35%
up to 60 Months
▼
APR5.35%
Termup to 60 Months
Last UpdatedJul 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.39%
60 Months
▼
APR5.39%
Term60 Months
Last UpdatedJul 6, 2026
Details
Emerald Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
Used Auto Loan
5.39%
61-72 Months
▼
APR5.39%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As Low As
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Fixed Rate New & Used Auto Loans
5.40%
Up to 84 Months
▼
APR5.40%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply.
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.49%
60 Months
▼
APR5.49%
Term60 Months
Last UpdatedJul 6, 2026
Details
Community Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
New or Used Vehicles Loan
5.49%
up to 96 months
▼
APR5.49%
Termup to 96 months
Last UpdatedJul 11, 2026
Details
As Low As; We Will Finance: up to 120% LTV*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2019
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2018
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2019
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
Cincinnati Interagency Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicles Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJul 15, 2026
Details
2022 - 2024 Model Years - Up to 110% NADA Retail Value
Sun Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.76%
Bright Auto Loans Used (2021-2026) 1-75 month term
5.49%
75 Month
▼
APR5.49%
Term75 Month
Last UpdatedJul 15, 2026
Details
As Low As; Used (2021-2026)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 1-3 years old Loan
5.49%
84 months
▼
APR5.49%
Term84 months
Last UpdatedJul 16, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 4-5 years old Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 16, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 6-7 years old Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedJul 16, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 8 years or older Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
Wiremens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
Used Vehicle 8-plus years Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 16, 2026
Details
As Low As
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
New and Used Vehicles Model years 2026-2025-2024-2023 73 to 84 months Loan
5.49%
73 to 84 months
▼
APR5.49%
Term73 to 84 months
Last UpdatedJul 16, 2026
Details
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2019-2017)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: A+ (720-749)
YTR Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Used Auto (2021-2020) 60 Months
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 15, 2026
Details
Credit Score: 650-719
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
Community First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.15%
Used Cars & Trucks Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 16, 2026
Details
FirstEnergy Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
New and Used Vehicles (up to 1 ton capacity) Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
New: 100% financing; Used: 100% of NADA Avg. Retail; 1-3 years old
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Car Loans
5.50%
1-4 year loan
▼
APR5.50%
Term1-4 year loan
Last UpdatedJul 16, 2026
Details
Ohio Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
Used Autos 2019-2020
5.50%
up to 48 Months
▼
APR5.50%
Termup to 48 Months
Last UpdatedJul 16, 2026
Details
ERIE COMMUNITY
Institution Rating:
A+5.0 ★ Texas Ratio: 7.53%
Used (2021 - 2024) Auto Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; APR*
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.56%
48 Months
▼
APR5.56%
Term48 Months
Last UpdatedJul 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedJul 6, 2026
Details
USX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Vehicles 2022 - 2021 Models (Loan Amounts of or Greater) Up to 48 Months
5.59%
Up to 48 Months
▼
APR5.59%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
$30,000
Bridge Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
2016 - 2025 Used Auto & Truck Models
5.61%
Up to 60 Months
▼
APR5.61%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
ConnectMORE** Rates as Low as
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (5 to 7 yrs)
5.66%
36 Months
▼
APR5.66%
Term36 Months
Last UpdatedJul 16, 2026
Details
Riverview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.59%
Used Vehicle Loan (over 7 yrs)
5.66%
36 Months
▼
APR5.66%
Term36 Months
Last UpdatedJul 16, 2026
Details
First Choice America Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.53%
Used Vehicle Financing
5.69%
36 Months
▼
APR5.69%
Term36 Months
Last UpdatedJul 6, 2026
Details
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 84 Months
5.72%
Up to 84 Months
▼
APR5.72%
TermUp to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
General Electric Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.82%
New/Used Cars, 2023 and newer models, Up to 48 months Loan
5.74%
Up to 48 months
▼
APR5.74%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
As low as
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 66 Months
5.74%
Up to 66 Months
▼
APR5.74%
TermUp to 66 Months
Last UpdatedJul 11, 2026
Details
As Low As
Associated School Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Auto - 2024 & Newer Model Years - Up to 78 Months
5.74%
Up to 78 Months
▼
APR5.74%
TermUp to 78 Months
Last UpdatedJul 11, 2026
Details
As Low As
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*; Model Year: 2017
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2016/Older
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedJul 12, 2026
Details
As Low As*
BFG Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New and Used Auto Loans 2017
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 12, 2026
Details
As Low As*
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles (2019-2020) Loan
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedJul 15, 2026
Details
As Low As
Ohio Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.07%
Used Vehicles (2021-2023 & 2024 - less than K) Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 15, 2026
Details
$15; As Low As
Powered by
MonitorBankRates
Middletown, OH Auto Loan Rate Trends
Compare local Middletown, OH 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 — OH Avg
5.769%
▲ 0.093 vs 7 days ago
Ohio new auto rates rose 0.093 points over the past 7 days to 5.769% APR.
Used Auto Loan — OH Avg
6.578%
▲ 0.127 vs 7 days ago
Ohio used auto rates rose 0.127 points over the past 7 days to 6.578% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Middletown, Ohio 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 Middletown, Ohio 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 Middletown, Ohio. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in OH.
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 Middletown, Ohio
How does my credit score affect my car loan rate in Ohio?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Middletown, Ohio 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 Ohio *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 Middletown, Ohio 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 Middletown, Ohio?
Based on our current data, some of the lowest auto loan rates available in Middletown, Ohio include:
- Middletown Area Schools Credit Union: 4.00% (New Vehicle Loan)
- River Valley Credit Union Miamisburg, OH: 5.16% (Auto Loans 2023 & newer)
- Sorg Bay West Federal Credit Union: 5.90% (New Vehicle Loan)
- YTR Community Federal Credit Union: 2.50% (New Auto (2022-Newer))
- United Federal Credit Union: 2.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Middletown, Ohio. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking