Quick Poll
The Fed raised rates 0.25% on Sept. 16. Will higher rates make you hold off on borrowing?
Tennessee Best Auto Loan Rates - September 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 Tennessee. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Tennessee include Southeast Financial Credit UnionSoutheast Financial Credit Union220 S Royal Oaks Blvd, Franklin, TN, 37064 5313A5.0 ★Texas Ratio: 7.32% offering New Car & Truck Loans at 2.00%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionAAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214A+5.0 ★Texas Ratio: 2.50% offering New Auto at 3.34%, FedTrust Federal Credit UnionFedTrust Federal Credit Union167 N Main St Ste 102, Memphis, TN, 38103 1867A4.9 ★Texas Ratio: 8.25% offering New and Promotional Rate Auto 2024 - 2027 Vehicles at 3.50%, United Southeast Federal Credit UnionUnited Southeast Federal Credit Union1545 Bluff City Hwy, Bristol, TN, 37620 6018A+5.0 ★Texas Ratio: 1.16% offering New Auto ('26 or Newer) at 3.75%, Owensboro Federal Credit UnionOwensboro Federal Credit Union2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449A+5.0 ★Texas Ratio: 1.19% offering Auto Loan at 3.75%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Tennessee side-by-side. Tennessee auto loan rates currently start as low as 2.00% APR from Southeast Financial Credit Union at 220 S Royal Oaks Blvd, Franklin, TN, 37064 5313. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Tennessee. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Tennessee
Tennessee Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
2.00%
2nd Term
▼
APR2.00%
Term2nd Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Car & Truck Loans
2.50%
2nd Term
▼
APR2.50%
Term2nd Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
3.00%
3rd Term
▼
APR3.00%
Term3rd Term
Last UpdatedSep 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Car & Truck Loans
3.50%
3rd Term
▼
APR3.50%
Term3rd Term
Last UpdatedSep 18, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
3.50%
Up to 36 Months
▼
APR3.50%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Up to 36 Months
3.50%
Up to 36 Months
▼
APR3.50%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedSep 18, 2026
Details
As Low As; Amount Down: up to 120%
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedSep 18, 2026
Details
As Low As; Amount Down: up to 120%
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
3.75%
48 MONTHS
▼
APR3.75%
Term48 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2026-2023; Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Auto Loans
3.95%
Max. 84 Months
▼
APR3.95%
TermMax. 84 Months
Last UpdatedSep 21, 2026
Details
As Low As; Starting at 3.95%
Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
214 Oil Well Rd, Jackson, TN, 38305 7914
Auto Loans
3.99%
96 months
▼
APR3.99%
Term96 months
Last UpdatedSep 18, 2026
Details
As Low As
Greater Eastern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2110 W Mountcastle Dr, Johnson City, TN, 37604
New Auto Loan
3.99%
12-96 months
▼
APR3.99%
Term12-96 months
Last UpdatedSep 18, 2026
Details
Collateral Type: New
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans Loan
3.99%
36 months
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans Loan
3.99%
60 months
▼
APR3.99%
Interest Rate3.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Vehicles up to 25,000 miles Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As;*
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Vehicles up to 25,000 miles Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As;*
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
The 84-month term is for new vehicles only. APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
4.00%
4th Term
▼
APR4.00%
Term4th Term
Last UpdatedSep 18, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.00%
60 MONTHS
▼
APR4.00%
Term60 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2026-2023; Actual rate is determined by credit score
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
4.00%
37 - 48 Months
▼
APR4.00%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
4.00%
49 - 60 Months
▼
APR4.00%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loan
4.19%
36 Months
▼
APR4.19%
Interest Rate4.19%
Term36 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedSep 18, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.25%
48 MONTHS
▼
APR4.25%
Term48 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2026-2020; Actual rate is determined by credit score
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
4.25%
61 months
▼
APR4.25%
Term61 months
Last UpdatedSep 21, 2026
Details
Term: Luxury Only
61 - 72 Months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.39%
48 mo. or less
▼
APR4.39%
Term48 mo. or less
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loan
4.44%
48 Months
▼
APR4.44%
Interest Rate4.44%
Term48 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Vehicle Loans
4.49%
48- 84 Months
▼
APR4.49%
Term48- 84 Months
Last UpdatedSep 18, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.49%
49 - 63 mo.
▼
APR4.49%
Term49 - 63 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedSep 18, 2026
Details
As Low As
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
501 E Summit Hill Dr, Knoxville, TN, 37915 1030
Vehicle Loan
4.49%
up to 72 mos.
▼
APR4.49%
Termup to 72 mos.
Last UpdatedSep 21, 2026
Details
As Low As; Fixed
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
908 Woodland St, Nashville, TN, 37206
New Auto (90% of Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As low as
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto (90% of Retail, 501 - 15,000 Miles)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As low as
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
908 Woodland St, Nashville, TN, 37206
Used Auto (90% of NADA Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Vehicles up to 25,000 miles Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As;*
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 18, 2026
Details
The 84-month term is for new vehicles only. APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 18, 2026
Details
APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
4.50%
5th Term
▼
APR4.50%
Term5th Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Car & Truck Loans
4.50%
4th Term
▼
APR4.50%
Term4th Term
Last UpdatedSep 18, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.50%
72 MONTHS
▼
APR4.50%
Term72 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2026-2023; Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.50%
60 MONTHS
▼
APR4.50%
Term60 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2026-2020; Actual rate is determined by credit score
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
New Auto
4.50%
60 months
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedSep 21, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - 37 - 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedSep 21, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - 49 - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
▼
APR4.59%
Term3-7 year term
Last UpdatedSep 18, 2026
Details
As Low As;
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loan
4.69%
60 Months
▼
APR4.69%
Interest Rate4.69%
Term60 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans Loan
4.74%
72 months
▼
APR4.74%
Interest Rate4.74%
Term72 months
Last UpdatedSep 18, 2026
Details
Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1828 Airbase Rd, Louisville, TN, 37777
New Vehicles Loan
4.74%
36 M
▼
APR4.74%
Term36 M
Last UpdatedSep 21, 2026
Details
As low as 4.74% with member discount
Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1828 Airbase Rd, Louisville, TN, 37777
Used Vehicles Loan
4.74%
36 M
▼
APR4.74%
Term36 M
Last UpdatedSep 21, 2026
Details
As low as 4.74% with member discount
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
501 E Summit Hill Dr, Knoxville, TN, 37915 1030
Vehicle Loan
4.74%
73 to 84 mos.
▼
APR4.74%
Term73 to 84 mos.
Last UpdatedSep 21, 2026
Details
As Low As; Fixed
Greater Eastern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2110 W Mountcastle Dr, Johnson City, TN, 37604
Used Auto Loan
4.75%
12-96 months
▼
APR4.75%
Term12-96 months
Last UpdatedSep 18, 2026
Details
Collateral Type: Used
Beacon Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Auto Loan
4.75%
Fixed
▼
APR4.75%
TermFixed
Last UpdatedSep 18, 2026
Details
As Low As;*
Beacon Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Autos
4.75%
24 - 120 Months
▼
APR4.75%
Term24 - 120 Months
Last UpdatedSep 18, 2026
Details
Financing your new auto with your credit union is the way to go. Take the rebate offered by dealership and finance with us, you are guaranteed to save. 100% of Retail Value. As low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
New Auto Loan
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 20, 2026
Details
Payment example: $25,000 new auto loan financed for 60 months at 4.75% fixed APR = 59 payments of $470.54 and a final payment of $470.30.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
4.75%
60 Month Fixed
▼
APR4.75%
Term60 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.75%
72 MONTHS
▼
APR4.75%
Term72 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2026-2020; Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
4.75%
48 MONTHS
▼
APR4.75%
Term48 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2019-2016; Actual rate is determined by credit score
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
New Auto
4.75%
72 months
▼
APR4.75%
Interest Rate4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Luxury Only 61 - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
4.75%
0-24 Months
▼
APR4.75%
Term0-24 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
4.75%
36 Months
▼
APR4.75%
Interest Rate4.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Beacon Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN, 37604
Used Auto Loan
4.90%
Fixed
▼
APR4.90%
TermFixed
Last UpdatedSep 18, 2026
Details
As Low As;*
Beacon Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN, 37604
Used Autos
4.90%
24 - 120 Months
▼
APR4.90%
Term24 - 120 Months
Last UpdatedSep 18, 2026
Details
We will finance Loan Value or average retail / trade-in/loan value. As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedSep 18, 2026
Details
125% financing available. No minimum loan amount.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.99%
64 - 75 mo.
▼
APR4.99%
Term64 - 75 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
As low as
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto's
4.99%
up to 60 months
▼
APR4.99%
Interest Rate4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
As low as 4.99%
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
4.99%
36 months
▼
APR4.99%
Interest Rate4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto
4.99%
2023-2026
▼
APR4.99%
Term2023-2026
Last UpdatedSep 18, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto
4.99%
2021-2026
▼
APR4.99%
Term2021-2026
Last UpdatedSep 18, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
1701 21st Ave s, Nashville, TN, 37212 3703
Vehicle - 60 months or less Loan
4.99%
60 months or less
▼
APR4.99%
Term60 months or less
Last UpdatedSep 18, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
4.99%
36 - 120 months
▼
APR4.99%
Term36 - 120 months
Last UpdatedSep 18, 2026
Details
Gateway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.54%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
New Auto (2025-2026)
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
4.99%
Up To 60 Months
▼
APR4.99%
TermUp To 60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.99% - 17.39%. Minimum Loan Value: No Minimum
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loan
4.99%
72 Months
▼
APR4.99%
Interest Rate4.99%
Term72 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2017-2018
4.99%
36 months
▼
APR4.99%
Interest Rate4.99%
Term36 months
Last UpdatedSep 21, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2019-2020
4.99%
48 months
▼
APR4.99%
Interest Rate4.99%
Term48 months
Last UpdatedSep 21, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2021 - 2025 (on purchased vehicles)
4.99%
66 months
▼
APR4.99%
Interest Rate4.99%
Term66 months
Last UpdatedSep 21, 2026
Details
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
501 E Summit Hill Dr, Knoxville, TN, 37915 1030
Vehicle Loan
4.99%
up to 72 mos.
▼
APR4.99%
Termup to 72 mos.
Last UpdatedSep 21, 2026
Details
As Low As; Fixed
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
4.99%
0-24 Months
▼
APR4.99%
Term0-24 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 799-740
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
4.99%
25-36 Months
▼
APR4.99%
Term25-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
164 N Henderson Ave Ste B, Sevierville, TN, 37862
Auto Loan
4.99%
78 months
▼
APR4.99%
Interest Rate4.99%
Term78 months
Last UpdatedSep 21, 2026
Details
As Low As; Refinance your auto loan with us and don't worry about making payments in the summer!
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
908 Woodland St, Nashville, TN, 37206
New Auto (100% of Retail)
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Vehicles from 25,000 to 100,000 miles Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 18, 2026
Details
As low as APR*
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
New Auto Loan
5.00%
84 Months*
▼
APR5.00%
Term84 Months*
Last UpdatedSep 18, 2026
Details
The 84-month term is for new vehicles only. APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
Used Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 18, 2026
Details
APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
5.00%
6th Term
▼
APR5.00%
Term6th Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Vehicle Loan
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans - New
5.00%
1st Term
▼
APR5.00%
Term1st Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Car & Truck Loans
5.00%
5th Term
▼
APR5.00%
Term5th Term
Last UpdatedSep 18, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.00%
48 mos. - 60 mos.
▼
APR5.00%
Term48 mos. - 60 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026); Loan Amount: $20,000-$29,999
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Auto Loans
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Credit qualifications may apply.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older
5.00%
Up to 36 months
▼
APR5.00%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
Fixed
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.00%
60 Month Fixed
▼
APR5.00%
Term60 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
5.00%
60 MONTHS
▼
APR5.00%
Term60 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2019-2016; Actual rate is determined by credit score
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
5.00%
48 Months
▼
APR5.00%
Interest Rate5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
EPB Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.53%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Term: 60 months, up to 15,000 miles; Credit Score: 850-750
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
1701 21st Ave s, Nashville, TN, 37212 3703
Vehicle - 60 months or less Loan
5.05%
60 months or less
▼
APR5.05%
Term60 months or less
Last UpdatedSep 18, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedSep 18, 2026
Details
125% financing available.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loan
5.19%
60 Months
▼
APR5.19%
Interest Rate5.19%
Term60 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2021-2024
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
112 Administration Rd, Oak Ridge, TN, 37830
Auto Loan
5.24%
36 months*
▼
APR5.24%
Term36 months*
Last UpdatedSep 18, 2026
Details
As Low As;
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
501 E Summit Hill Dr, Knoxville, TN, 37915 1030
Vehicle Loan
5.24%
73 to 84 mos.
▼
APR5.24%
Term73 to 84 mos.
Last UpdatedSep 21, 2026
Details
As Low As; Fixed
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Vehicles from 25,000 to 100,000 miles Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedSep 18, 2026
Details
As low as APR*
Holley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1107 Mineral Wells Ave, Paris, TN, 38242 4903
Vehicle Loans
5.25%
Up to 12 months
▼
APR5.25%
TermUp to 12 months
Last UpdatedSep 18, 2026
Details
Vehicle Loans (12 Years Old or Less)
Gateway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.54%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
New Auto (2025-2026)
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.25%
60 mos. - 72 mos.
▼
APR5.25%
Term60 mos. - 72 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026); Loan Amount: $30,000 and above
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older
5.25%
Up to 84 months
▼
APR5.25%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
Fixed
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.25%
72 Month Fixed
▼
APR5.25%
Term72 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
3904 Central Pike, Hermitage, TN, 37076 3409
Vehicle Loan
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedSep 20, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
Auto Loan
5.25%
66 MONTHS
▼
APR5.25%
Term66 MONTHS
Last UpdatedSep 20, 2026
Details
As Low As; Model: 2019-2016; Actual rate is determined by credit score
Espeeco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.06%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
NEW AUTO
5.25%
UP TO 84 MONTHS
▼
APR5.25%
TermUP TO 84 MONTHS
Last UpdatedSep 20, 2026
Details
Published APR range: 5.25% - 10.00%. UP TO $90,000.00
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
5.25%
73 months
▼
APR5.25%
Term73 months
Last UpdatedSep 21, 2026
Details
Term: Luxury Only
73 - 84 Months
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
1701 21st Ave s, Nashville, TN, 37212 3703
Vehicle - 72 months Loan
5.30%
72 months
▼
APR5.30%
Term72 months
Last UpdatedSep 18, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
1701 21st Ave s, Nashville, TN, 37212 3703
Vehicle - 72 months Loan
5.35%
72 months
▼
APR5.35%
Term72 months
Last UpdatedSep 18, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedSep 16, 2026
Details
Mileage: 25,000 - 99,999 miles
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.39%
48 mo. or less
▼
APR5.39%
Term48 mo. or less
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
414 Union St, Nashville, TN, 37219
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.39%
Up To 60 Months
▼
APR5.39%
TermUp To 60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.39% - 18.00%.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loan
5.39%
48 Months
▼
APR5.39%
Interest Rate5.39%
Term48 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2020
The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
2021 - Current New or Used Auto
5.49%
63 months
▼
APR5.49%
Term63 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.49%
49 - 63 mo.
▼
APR5.49%
Term49 - 63 mo.
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans Loan
5.49%
84 months
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedSep 18, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
5.49%
72 months
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.49% - 17.89%. Minimum Loan Value: $15,000
Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1828 Airbase Rd, Louisville, TN, 37777
Used Auto Older
5.49%
36 M
▼
APR5.49%
Term36 M
Last UpdatedSep 21, 2026
Details
As low as 5.49% with member discount
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
5.49%
25-36 Months
▼
APR5.49%
Term25-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 799-740
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
5.49%
37-48 Months
▼
APR5.49%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
Used Vehicle Loans
5.49%
0-24 Months
▼
APR5.49%
Term0-24 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Vehicles up to 25,000 miles Loan
5.50%
84 Months**
▼
APR5.50%
Term84 Months**
Last UpdatedSep 18, 2026
Details
As Low As;*
Gateway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.54%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
5.50%
Up to 84 months
▼
APR5.50%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
New Auto (2025-2026); * Denotes an auto over $40K finanaced
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.50%
72 mos. - 84 mos.
▼
APR5.50%
Term72 mos. - 84 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026)
Parthenon Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.76%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
New Auto/Truck
5.50%
202 months
▼
APR5.50%
Interest Rate5.50%
Term202 months
Last UpdatedSep 18, 2026
Details
Term: 2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.50%
72 Month Fixed
▼
APR5.50%
Term72 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Luxury Only 73 - 84 Months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 21, 2026
Details
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
1306 Highway 70 Byp, Jackson, TN, 38301
Vehicle Loan
5.50%
up to 72 months
▼
APR5.50%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
Published APR range: 5.5%-18.0%.
EPB Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.53%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Term: 60 months, up to 15,000 miles; Credit Score: 749-700
EPB Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.53%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedSep 21, 2026
Details
Term: 72 months, up to 15,000 miles; Credit Score: 850-750
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedSep 21, 2026
Details
As low as; upcoming, current & previous vehicle model years - under 10,000 miles
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
414 Union St, Nashville, TN, 37219
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
7974 Centennial Dr, Memphis, TN, 38125 2376
Auto Loan
5.59%
36 Months
▼
APR5.59%
Interest Rate5.59%
Term36 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2016-2019
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van Loan
5.70%
36 months
▼
APR5.70%
Term36 months
Last UpdatedSep 18, 2026
Details
Term: 36-84 month financing; 2013-2022 models
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedSep 18, 2026
Details
The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
2016 - 2019 Used Auto
5.74%
63 months
▼
APR5.74%
Term63 months
Last UpdatedSep 18, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.74%
61 - 75 Months
▼
APR5.74%
Term61 - 75 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.74% - 18.00%.
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5207 Schubert Rd, Knoxville, TN, 37912
New Vehicles Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.74% - 11.00%. Effective 3/1/2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
2011 Stein Dr, Chattanooga, TN, 37421 1692
Vehicles from 25,000 to 100,000 miles Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedSep 18, 2026
Details
As low as APR*
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
567 Veritas St, Nashville, TN, 37211
NEW AUTO LOANS - NEW 4YRS
5.75%
4YRS
▼
APR5.75%
Term4YRS
Last UpdatedSep 18, 2026
Details
2026 OR NEWER
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.75%
25 months
▼
APR5.75%
Term25 months
Last UpdatedSep 18, 2026
Details
Term: >$25,0000 for 84 months; As Low As; Used Auto**
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans - Used
5.75%
1st Term
▼
APR5.75%
Term1st Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Vehicle Loan
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedSep 18, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.76%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
5.75%
201 months
▼
APR5.75%
Interest Rate5.75%
Term201 months
Last UpdatedSep 18, 2026
Details
Term: 2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.75%
84 Month Fixed
▼
APR5.75%
Term84 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
Espeeco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.06%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
USED AUTO (LESS THAN 10 YEARS OLD)
5.75%
UP TO 72 MONTHS
▼
APR5.75%
TermUP TO 72 MONTHS
Last UpdatedSep 20, 2026
Details
Published APR range: 5.75% - 11.00%. UP TO $50,000.00
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
Used Vehicle Loans
5.75%
25-36 Months
▼
APR5.75%
Term25-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
Used Vehicles
5.75%
36 Months
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. Used Vehicles 2024 - 2021. Limited to 72 months
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.79%
76 - 84 mo.
▼
APR5.79%
Term76 - 84 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedSep 16, 2026
Details
Mileage: 25,000 - 99,999 miles
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedSep 18, 2026
Details
The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
2026 - 2025 New Auto Loan
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedSep 18, 2026
Details
New; Longer terms are available.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
Older Vehicles (2011-2016) Loan
5.99%
up to 48 months
▼
APR5.99%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
1814 E Brooks Rd, Memphis, TN, 38116
Used Vehicle Loans
5.99%
48 - 72 Months
▼
APR5.99%
Term48 - 72 Months
Last UpdatedSep 18, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.99%
64 - 75 mo.
▼
APR5.99%
Term64 - 75 mo.
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles Loan
5.99%
36 months
▼
APR5.99%
Interest Rate5.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Tennessee Department of Safety Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1150 Foster Ave, Nashville, TN, 37243 4400
Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Interest Rate5.99%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
New or Used Financing up to 100% for up to 84 months (must meet established loan guidelines) or 90% of sticker (new) or 90% NADA retail (used)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.99% - 9.09%. Minimum Loan Value: $25,000
BASF Chattanooga Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.08%
2120 Polymer Dr, Chattanooga, TN, 37421 2207
New Car Loan
5.99%
Up to 60 Months
▼
APR5.99%
Interest Rate5.99%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
Maximum Rate: 9.99%
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
5.99%
37-48 Months
▼
APR5.99%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 799-740
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
5.99%
49-60 Months
▼
APR5.99%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Powered by
MonitorBankRates
Tennessee New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
2.00%
2nd Term
▼
APR2.00%
Term2nd Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
3.00%
3rd Term
▼
APR3.00%
Term3rd Term
Last UpdatedSep 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
3.50%
Up to 36 Months
▼
APR3.50%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedSep 18, 2026
Details
As Low As; Amount Down: up to 120%
Greater Eastern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2110 W Mountcastle Dr, Johnson City, TN, 37604
New Auto Loan
3.99%
12-96 months
▼
APR3.99%
Term12-96 months
Last UpdatedSep 18, 2026
Details
Collateral Type: New
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans Loan
3.99%
36 months
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans Loan
3.99%
60 months
▼
APR3.99%
Interest Rate3.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
The 84-month term is for new vehicles only. APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
4.00%
4th Term
▼
APR4.00%
Term4th Term
Last UpdatedSep 18, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
4.00%
37 - 48 Months
▼
APR4.00%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
4.00%
49 - 60 Months
▼
APR4.00%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.25%
Up to 24 months
▼
APR4.25%
TermUp to 24 months
Last UpdatedSep 18, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
4.25%
61 months
▼
APR4.25%
Term61 months
Last UpdatedSep 21, 2026
Details
Term: Luxury Only
61 - 72 Months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.39%
48 mo. or less
▼
APR4.39%
Term48 mo. or less
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Vehicle Loans
4.49%
48- 84 Months
▼
APR4.49%
Term48- 84 Months
Last UpdatedSep 18, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.49%
49 - 63 mo.
▼
APR4.49%
Term49 - 63 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
908 Woodland St, Nashville, TN, 37206
New Auto (90% of Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As low as
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto (90% of Retail, 501 - 15,000 Miles)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedSep 18, 2026
Details
The 84-month term is for new vehicles only. APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
4.50%
5th Term
▼
APR4.50%
Term5th Term
Last UpdatedSep 18, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
New Auto
4.50%
60 months
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
▼
APR4.59%
Term3-7 year term
Last UpdatedSep 18, 2026
Details
As Low As;
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans Loan
4.74%
72 months
▼
APR4.74%
Interest Rate4.74%
Term72 months
Last UpdatedSep 18, 2026
Details
Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1828 Airbase Rd, Louisville, TN, 37777
New Vehicles Loan
4.74%
36 M
▼
APR4.74%
Term36 M
Last UpdatedSep 21, 2026
Details
As low as 4.74% with member discount
Beacon Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Auto Loan
4.75%
Fixed
▼
APR4.75%
TermFixed
Last UpdatedSep 18, 2026
Details
As Low As;*
Beacon Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Autos
4.75%
24 - 120 Months
▼
APR4.75%
Term24 - 120 Months
Last UpdatedSep 18, 2026
Details
Financing your new auto with your credit union is the way to go. Take the rebate offered by dealership and finance with us, you are guaranteed to save. 100% of Retail Value. As low As
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
New Auto Loan
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 20, 2026
Details
Payment example: $25,000 new auto loan financed for 60 months at 4.75% fixed APR = 59 payments of $470.54 and a final payment of $470.30.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
4.75%
60 Month Fixed
▼
APR4.75%
Term60 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
New Auto
4.75%
72 months
▼
APR4.75%
Interest Rate4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
4.75%
0-24 Months
▼
APR4.75%
Term0-24 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
4.75%
36 Months
▼
APR4.75%
Interest Rate4.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedSep 18, 2026
Details
125% financing available. No minimum loan amount.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.99%
64 - 75 mo.
▼
APR4.99%
Term64 - 75 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
As low as
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto's
4.99%
up to 60 months
▼
APR4.99%
Interest Rate4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
As low as 4.99%
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto
4.99%
2023-2026
▼
APR4.99%
Term2023-2026
Last UpdatedSep 18, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.54%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
New Auto (2025-2026)
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
4.99%
Up To 60 Months
▼
APR4.99%
TermUp To 60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 4.99% - 17.39%. Minimum Loan Value: No Minimum
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
4.99%
0-24 Months
▼
APR4.99%
Term0-24 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 799-740
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
4.99%
25-36 Months
▼
APR4.99%
Term25-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
908 Woodland St, Nashville, TN, 37206
New Auto (100% of Retail)
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
New Auto Loan
5.00%
84 Months*
▼
APR5.00%
Term84 Months*
Last UpdatedSep 18, 2026
Details
The 84-month term is for new vehicles only. APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Car & Truck Loans
5.00%
6th Term
▼
APR5.00%
Term6th Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
New Vehicle Loan
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans - New
5.00%
1st Term
▼
APR5.00%
Term1st Term
Last UpdatedSep 18, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.00%
48 mos. - 60 mos.
▼
APR5.00%
Term48 mos. - 60 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026); Loan Amount: $20,000-$29,999
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
5.00%
48 Months
▼
APR5.00%
Interest Rate5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
EPB Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.53%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 21, 2026
Details
Term: 60 months, up to 15,000 miles; Credit Score: 850-750
Gateway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.54%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
5.25%
Up to 72 months
▼
APR5.25%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
New Auto (2025-2026)
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.25%
60 mos. - 72 mos.
▼
APR5.25%
Term60 mos. - 72 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026); Loan Amount: $30,000 and above
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.25%
72 Month Fixed
▼
APR5.25%
Term72 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
Espeeco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.06%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
NEW AUTO
5.25%
UP TO 84 MONTHS
▼
APR5.25%
TermUP TO 84 MONTHS
Last UpdatedSep 20, 2026
Details
Published APR range: 5.25% - 10.00%. UP TO $90,000.00
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
New and Promotional Rate Auto 2024 - 2027 Vehicles
5.25%
73 months
▼
APR5.25%
Term73 months
Last UpdatedSep 21, 2026
Details
Term: Luxury Only
73 - 84 Months
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.39%
48 mo. or less
▼
APR5.39%
Term48 mo. or less
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
414 Union St, Nashville, TN, 37219
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
2021 - Current New or Used Auto
5.49%
63 months
▼
APR5.49%
Term63 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.49%
49 - 63 mo.
▼
APR5.49%
Term49 - 63 mo.
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans Loan
5.49%
84 months
▼
APR5.49%
Interest Rate5.49%
Term84 months
Last UpdatedSep 18, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 18, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.49% - 17.89%. Minimum Loan Value: $15,000
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
5.49%
25-36 Months
▼
APR5.49%
Term25-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 799-740
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
5.49%
37-48 Months
▼
APR5.49%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Gateway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.54%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto
5.50%
Up to 84 months
▼
APR5.50%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
New Auto (2025-2026); * Denotes an auto over $40K finanaced
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.50%
72 mos. - 84 mos.
▼
APR5.50%
Term72 mos. - 84 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026)
Parthenon Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.76%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
New Auto/Truck
5.50%
202 months
▼
APR5.50%
Interest Rate5.50%
Term202 months
Last UpdatedSep 18, 2026
Details
Term: 2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
EPB Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.53%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedSep 21, 2026
Details
Term: 60 months, up to 15,000 miles; Credit Score: 749-700
EPB Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.53%
1500 McCallie Ave, Chattanooga, TN, 37404 2937
New Vehicles (Cars, Trucks, Boats, RV's) Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedSep 21, 2026
Details
Term: 72 months, up to 15,000 miles; Credit Score: 850-750
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
▼
APR5.55%
Term6 - 84 months
Last UpdatedSep 21, 2026
Details
As low as; upcoming, current & previous vehicle model years - under 10,000 miles
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks Loan
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedSep 16, 2026
Details
Mileage: Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.74%
36 months
▼
APR5.74%
Term36 months
Last UpdatedSep 18, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5207 Schubert Rd, Knoxville, TN, 37912
New Vehicles Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.74% - 11.00%. Effective 3/1/2026
Dixie Line Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
567 Veritas St, Nashville, TN, 37211
NEW AUTO LOANS - NEW 4YRS
5.75%
4YRS
▼
APR5.75%
Term4YRS
Last UpdatedSep 18, 2026
Details
2026 OR NEWER
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.75%
25 months
▼
APR5.75%
Term25 months
Last UpdatedSep 18, 2026
Details
Term: >$25,0000 for 84 months; As Low As; Used Auto**
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.75%
84 Month Fixed
▼
APR5.75%
Term84 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.79%
76 - 84 mo.
▼
APR5.79%
Term76 - 84 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
1623 Hatcher Ln, Columbia, TN, 38401 4826
New Auto and Previous 3 Years and Up - Less than 30,000 miles
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedSep 18, 2026
Details
The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
2026 - 2025 New Auto Loan
5.99%
48 months
▼
APR5.99%
Term48 months
Last UpdatedSep 18, 2026
Details
New; Longer terms are available.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.99%
64 - 75 mo.
▼
APR5.99%
Term64 - 75 mo.
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.99% - 9.09%. Minimum Loan Value: $25,000
BASF Chattanooga Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 22.08%
2120 Polymer Dr, Chattanooga, TN, 37421 2207
New Car Loan
5.99%
Up to 60 Months
▼
APR5.99%
Interest Rate5.99%
TermUp to 60 Months
Last UpdatedSep 21, 2026
Details
Maximum Rate: 9.99%
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
5.99%
37-48 Months
▼
APR5.99%
Term37-48 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 799-740
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
New Vehicle Loans
5.99%
49-60 Months
▼
APR5.99%
Term49-60 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Powered by
MonitorBankRates
Tennessee Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Car & Truck Loans
2.50%
2nd Term
▼
APR2.50%
Term2nd Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Car & Truck Loans
3.50%
3rd Term
▼
APR3.50%
Term3rd Term
Last UpdatedSep 18, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Up to 36 Months
3.50%
Up to 36 Months
▼
APR3.50%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
3.75%
36-84 months
▼
APR3.75%
Term36-84 months
Last UpdatedSep 18, 2026
Details
As Low As; Amount Down: up to 120%
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedSep 21, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.39%
48 mo. or less
▼
APR4.39%
Term48 mo. or less
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.49%
49 - 63 mo.
▼
APR4.49%
Term49 - 63 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedSep 18, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
908 Woodland St, Nashville, TN, 37206
Used Auto (90% of NADA Retail)
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 21, 2026
Details
As low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 18, 2026
Details
APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Car & Truck Loans
4.50%
4th Term
▼
APR4.50%
Term4th Term
Last UpdatedSep 18, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - 37 - 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedSep 21, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - 49 - 60 Months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
As Low As
Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1828 Airbase Rd, Louisville, TN, 37777
Used Vehicles Loan
4.74%
36 M
▼
APR4.74%
Term36 M
Last UpdatedSep 21, 2026
Details
As low as 4.74% with member discount
Greater Eastern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2110 W Mountcastle Dr, Johnson City, TN, 37604
Used Auto Loan
4.75%
12-96 months
▼
APR4.75%
Term12-96 months
Last UpdatedSep 18, 2026
Details
Collateral Type: Used
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Luxury Only 61 - 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedSep 21, 2026
Details
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
4.75%
36 Months
▼
APR4.75%
Interest Rate4.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Beacon Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN, 37604
Used Auto Loan
4.90%
Fixed
▼
APR4.90%
TermFixed
Last UpdatedSep 18, 2026
Details
As Low As;*
Beacon Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.49%
300 Med Tech Pkwy, Johnson City, TN, 37604
Used Autos
4.90%
24 - 120 Months
▼
APR4.90%
Term24 - 120 Months
Last UpdatedSep 18, 2026
Details
We will finance Loan Value or average retail / trade-in/loan value. As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
4.99%
64 - 75 mo.
▼
APR4.99%
Term64 - 75 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
As low as
PIAS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
5200 Maryland Way Ste 301, Brentwood, TN, 37027 5072
New & Used Auto's
4.99%
up to 60 months
▼
APR4.99%
Interest Rate4.99%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
As low as 4.99%
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
4.99%
36 months
▼
APR4.99%
Interest Rate4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
4.99%
60 months
▼
APR4.99%
Interest Rate4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto
4.99%
2021-2026
▼
APR4.99%
Term2021-2026
Last UpdatedSep 18, 2026
Details
As Low As
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
4.99%
36 - 120 months
▼
APR4.99%
Term36 - 120 months
Last UpdatedSep 18, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2017-2018
4.99%
36 months
▼
APR4.99%
Interest Rate4.99%
Term36 months
Last UpdatedSep 21, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2019-2020
4.99%
48 months
▼
APR4.99%
Interest Rate4.99%
Term48 months
Last UpdatedSep 21, 2026
Details
Knox County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
9212 Kingston Pike, Knoxville, TN, 37922
Used Auto 2021 - 2025 (on purchased vehicles)
4.99%
66 months
▼
APR4.99%
Interest Rate4.99%
Term66 months
Last UpdatedSep 21, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.71%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
Rates as low as:
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10 Rachel Dr, Nashville, TN, 37214
Used Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 18, 2026
Details
APR = Annual Percentage Rate. The specific rate and term will depend on your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Car & Truck Loans
5.00%
5th Term
▼
APR5.00%
Term5th Term
Last UpdatedSep 18, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.00%
48 mos. - 60 mos.
▼
APR5.00%
Term48 mos. - 60 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026); Loan Amount: $20,000-$29,999
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.00%
60 Month Fixed
▼
APR5.00%
Term60 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
5.00%
48 Months
▼
APR5.00%
Interest Rate5.00%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.45%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
▼
APR5.15%
Term10 Years
Last UpdatedSep 18, 2026
Details
125% financing available.
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.25%
60 mos. - 72 mos.
▼
APR5.25%
Term60 mos. - 72 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026); Loan Amount: $30,000 and above
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks Loan
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedSep 16, 2026
Details
Mileage: 25,000 - 99,999 miles
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.39%
48 mo. or less
▼
APR5.39%
Term48 mo. or less
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.39%
Up To 60 Months
▼
APR5.39%
TermUp To 60 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.39% - 18.00%.
The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
2021 - Current New or Used Auto
5.49%
63 months
▼
APR5.49%
Term63 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
5.49%
up to 72 months
▼
APR5.49%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
5.49%
up to 60 months
▼
APR5.49%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.49%
49 - 63 mo.
▼
APR5.49%
Term49 - 63 mo.
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles Loan
5.49%
72 months
▼
APR5.49%
Interest Rate5.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 18, 2026
Details
As Low As
Tennessee Military Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1828 Airbase Rd, Louisville, TN, 37777
Used Auto Older
5.49%
36 M
▼
APR5.49%
Term36 M
Last UpdatedSep 21, 2026
Details
As low as 5.49% with member discount
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
Used Vehicle Loans
5.49%
0-24 Months
▼
APR5.49%
Term0-24 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New and Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedSep 21, 2026
Details
Up to 120% Financing on Approved Credit
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1604 Remke Ave, Lawrenceburg, TN, 38464 2261
New or Used Auto
5.50%
72 mos. - 84 mos.
▼
APR5.50%
Term72 mos. - 84 mos.
Last UpdatedSep 18, 2026
Details
New or Used Auto (2024-2026)
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.05%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.50%
72 Month Fixed
▼
APR5.50%
Term72 Month Fixed
Last UpdatedSep 20, 2026
Details
As Low As
FedTrust Federal Credit Union
Institution Rating:
A4.9 ★ Texas Ratio: 8.25%
167 N Main St Ste 102, Memphis, TN, 38103 1867
Used Auto - Luxury Only 73 - 84 Months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 21, 2026
Details
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
New & Used Vehicles
5.50%
60 Months
▼
APR5.50%
Interest Rate5.50%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. New & Used Vehicles 2026 - 2021
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
414 Union St, Nashville, TN, 37219
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van Loan
5.70%
36 months
▼
APR5.70%
Term36 months
Last UpdatedSep 18, 2026
Details
Term: 36-84 month financing; 2013-2022 models
The Tennessee Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.92%
1400 8TH Ave S, NASHVILLE, TN, 37203 5007
2016 - 2019 Used Auto
5.74%
63 months
▼
APR5.74%
Term63 months
Last UpdatedSep 18, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.74%
61 - 75 Months
▼
APR5.74%
Term61 - 75 Months
Last UpdatedSep 20, 2026
Details
Published APR range: 5.74% - 18.00%.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans - Used
5.75%
1st Term
▼
APR5.75%
Term1st Term
Last UpdatedSep 18, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Used Vehicle Loan
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedSep 18, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.76%
2290 Rosa L Parks Blvd, Nashville, TN, 37228 1306
Used Auto/Truck
5.75%
201 months
▼
APR5.75%
Interest Rate5.75%
Term201 months
Last UpdatedSep 18, 2026
Details
Term: 2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit
Espeeco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.06%
2650 Thousand Oaks Blvd, Memphis, TN, 38118
USED AUTO (LESS THAN 10 YEARS OLD)
5.75%
UP TO 72 MONTHS
▼
APR5.75%
TermUP TO 72 MONTHS
Last UpdatedSep 20, 2026
Details
Published APR range: 5.75% - 11.00%. UP TO $50,000.00
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
7130 Goodlett Farms Pkwy, Cordova, TN, 38016
Used Vehicle Loans
5.75%
25-36 Months
▼
APR5.75%
Term25-36 Months
Last UpdatedSep 21, 2026
Details
Credit Score: 850-800
Copper Basin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.84%
771 Ocoee St, Copperhill, TN, 37317
Used Vehicles
5.75%
36 Months
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As; Rates as of 4/2/2026. Used Vehicles 2024 - 2021. Limited to 72 months
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.79%
76 - 84 mo.
▼
APR5.79%
Term76 - 84 mo.
Last UpdatedSep 18, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail - see below
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks Loan
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedSep 16, 2026
Details
Mileage: 25,000 - 99,999 miles
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026) Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.36%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
5.99%
up to 72 months
▼
APR5.99%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
1814 E Brooks Rd, Memphis, TN, 38116
Used Vehicle Loans
5.99%
48 - 72 Months
▼
APR5.99%
Term48 - 72 Months
Last UpdatedSep 18, 2026
Details
Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.
Scenic Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.55%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles Loan
5.99%
64 - 75 mo.
▼
APR5.99%
Term64 - 75 mo.
Last UpdatedSep 18, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail - see below
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles Loan
5.99%
36 months
▼
APR5.99%
Interest Rate5.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Powered by
MonitorBankRates
Tennessee Auto Loan Rate Trends
Compare local Tennessee 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 TN Avg
6.399%
▼ 0.530 vs 7 days ago
Tennessee new auto rates fell 0.530 points over the past 7 days to 6.399% APR.
Used Auto Loan TN Avg
6.851%
▼ 0.271 vs 7 days ago
Tennessee used auto rates fell 0.271 points over the past 7 days to 6.851% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Tennessee Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Tennessee figures.
Current New Auto Avg
6.40%
APR, as of Sep 22, 2026
6-Month Forecast
6.48%
Fed hold assumed
12-Month Forecast
6.55%
Range: 6.20% to 6.75%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Tennessee APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.40% APR TN average | Used Auto @ 6.85% APR TN average | Monthly Difference |
|---|---|---|---|
| $15,000 | $292.78/mo | $295.96/mo | $3.18/mo |
| $25,000 | $487.97/mo | $493.27/mo | $5.30/mo |
| $35,000 | $683.16/mo | $690.58/mo | $7.42/mo |
| $45,000 | $878.35/mo | $887.89/mo | $9.54/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Tennessee
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Tennessee locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Tennessee. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Tennessee high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Tennessee CD rates lock in a guaranteed return until you’re ready to buy
Tennessee Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$42,418
Median Individual Earnings
National avg: $47,340
4.7%
Unemployment Rate
National avg: 4.8%
13.8%
Poverty Rate
National avg: 11.1%
$586/mo
Payment on a $30K / 60-mo Loan
At TN new-auto avg 6.40% APR
A $586 monthly car payment works out to roughly 16.6% of the median individual income in Tennessee. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Tennessee, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Tennessee. We’ve prefilled the APR with today’s TN new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tennessee 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 Tennessee 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 Tennessee. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TN.
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 Tennessee
How does my credit score affect my car loan rate in Tennessee?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Tennessee 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 Tennessee *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 Tennessee 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.
Should I get preapproved for an auto loan before visiting a dealer in Tennessee?
Yes. A preapproval from a bank or credit union serving Tennessee gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Tennessee can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Tennessee?
Based on our current data, some of the lowest auto loan rates available in Tennessee include:
- Southeast Financial Credit Union: 2.00% (New Car & Truck Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- FedTrust Federal Credit Union: 3.50% (New and Promotional Rate Auto 2024 - 2027 Vehicles)
- United Southeast Federal Credit Union: 3.75% (New Auto ('26 or Newer))
- Owensboro Federal Credit Union: 3.75% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
Auto Loan Rates by City in Tennessee
Rate Assistant
MonitorBankRates.com · Live Data
Try asking