Auto Loan Rates in Tennessee (TN) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionAAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN, 38116 1917A+5.0 ★Texas Ratio: 2.33% offering Auto Loans at 3.45%, Owensboro Federal Credit UnionOwensboro Federal Credit Union2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449A+5.0 ★Texas Ratio: 0.78% offering 2026-2023 Auto Loan at 3.75%, Scenic Community Credit UnionScenic Community Credit Union4503 Hixson Pike, Hixson, TN, 37343A+5.0 ★Texas Ratio: 4.93% offering New and Used Vehicles (as low as) at 3.95%, Bowater Employees Credit UnionBowater Employees Credit Union5123 Highway 11 S, Calhoun, TN, 37309A5.0 ★Texas Ratio: 5.74% offering New Cars, Trucks, and Vans at 3.99%. Auto loan rates as of May 30, 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 3.34% APR from American Airlines Federal Credit Union at AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214. Rates are continually updated — 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: May 30, 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
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Auto Loans
3.45%
84 Months
▼
APR3.45%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2026-2023 Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN, 38305 7914
Auto Loans
3.99%
96 months
▼
APR3.99%
Term96 months
Last UpdatedMay 23, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2026-2023 Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
2110 W Mountcastle Dr, Johnson City, TN, 37604
New Auto Loan
4.25%
12-96
▼
APR4.25%
Term12-96
Last UpdatedMay 20, 2026
Details
As Low As; APR up to 16.25%
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2022-2020 Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedMay 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
Loan Promotion
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 90% of Retail, 501 - 15,000 Miles
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Used Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 90% of NADA Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 20, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2022-2020 Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2026-2023 Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year
▼
APR4.59%
Term3-7 year
Last UpdatedMay 29, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedMay 29, 2026
Details
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
2110 W Mountcastle Dr, Johnson City, TN, 37604
Used Auto Loan
4.75%
12-96
▼
APR4.75%
Term12-96
Last UpdatedMay 20, 2026
Details
As Low As; APR up to 17.25%
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 20, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Autos
4.75%
24 - 120 Months
▼
APR4.75%
Term24 - 120 Months
Last UpdatedMay 20, 2026
Details
As Low As; 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.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
2021 Meadowview Ln, Kingsport, TN, 37660
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 20, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 24 months
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 22, 2026
Details
2017-2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMay 22, 2026
Details
As Low As
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2019-2016 Auto Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2022-2020 Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedMay 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN, 37604
Used Autos
4.90%
24 - 120 Months
▼
APR4.90%
Term24 - 120 Months
Last UpdatedMay 20, 2026
Details
As Low As; We will finance Loan Value or average retail / trade-in/loan value.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMay 22, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedMay 22, 2026
Details
125% financing available. No minimum loan amount.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
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%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months or less
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 20, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; 24 months
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
164 N Henderson Ave Ste B, Sevierville, TN, 37862
Auto loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMay 22, 2026
Details
As Low As; Auto rates as low as 4.99% for 78 months.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 100% of Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 20, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMay 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2019-2016 Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months or less
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedMay 29, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 20, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
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 UpdatedMay 22, 2026
Details
125% financing available.
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 20, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.52%
112 Administration Rd, Oak Ridge, TN, 37830
Auto Loan
5.24%
36 months*
▼
APR5.24%
Term36 months*
Last UpdatedMay 22, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedMay 29, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
3904 Central Pike, Hermitage, TN, 37076 3409
Vehicle Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 29, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2019-2016 Auto Loan
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 23, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedMay 23, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 20, 2026
Details
72 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 20, 2026
Details
72 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedMay 17, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 20, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedMay 29, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84
▼
APR5.55%
Term6 - 84
Last UpdatedMay 30, 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: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedMay 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van Loan
5.70%
36-84
▼
APR5.70%
Term36-84
Last UpdatedMay 29, 2026
Details
As Low As; 2013-2022 models
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedMay 20, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedMay 29, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMay 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos 2026 & older
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedMay 17, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100,000 miles to 125,000 miles Up to 120% of Retail
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 20, 2026
Details
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 72 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMay 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Classic Pre-owned Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2015-2007 Auto Loan
6.00%
48 Months
▼
APR6.00%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2026-2023 Auto Loan
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedMay 22, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2018-2020
6.10%
60 Months
▼
APR6.10%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months or less
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedMay 20, 2026
Details
As Low As; 125,001 miles to 150,000 miles Up to 120% of Retail
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedMay 20, 2026
Details
84 months
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2018-2020
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
72 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
84 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; >$25,0000 for 84 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMay 29, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.25%
6 - 84
▼
APR6.25%
Term6 - 84
Last UpdatedMay 30, 2026
Details
As Low As; (7 years old or newer)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedMay 29, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedMay 17, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN, 37069
Auto Loan
6.49%
63 Months
▼
APR6.49%
Term63 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2022
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
6.49%
up to 84 months
▼
APR6.49%
Termup to 84 months
Last UpdatedMay 23, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.50%
61 - 72
▼
APR6.50%
Term61 - 72
Last UpdatedMay 20, 2026
Details
As Low As; 100,000 miles to 125,000 miles Up to 120% of Retail
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.50%
Up to 84 months
▼
APR6.50%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
* Denotes an auto over $40K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedMay 20, 2026
Details
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1306 Highway 70 Byp, Jackson, TN, 38301
Used Vehicles Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
Owensboro Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2650 Thousand Oaks Blvd Ste 1120, Memphis, TN, 38118 2449
2015-2007 Auto Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As; * Actual rate is determined by credit score
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedMay 17, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN, 37830
Autos Less than 100,000 miles
6.74%
96 Months
▼
APR6.74%
Term96 Months
Last UpdatedMay 29, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN, 37069
Auto Loan
6.75%
63 Months
▼
APR6.75%
Term63 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2020
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 72 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedMay 20, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.75%
6 - 72
▼
APR6.75%
Term6 - 72
Last UpdatedMay 30, 2026
Details
As Low As; (8-15 years old)
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
6.85%
24 to 96 Months
▼
APR6.85%
Term24 to 96 Months
Last UpdatedMay 20, 2026
Details
Secured
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedMay 17, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
6.99%
24 Months
▼
APR6.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
980 Jason Witten Way, Elizabethton, TN, 37643
Older Vehicles (2011-2016) Loan
6.99%
up to 60 months
▼
APR6.99%
Termup to 60 months
Last UpdatedMay 23, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
▼
APR6.99%
Term3-7 year
Last UpdatedMay 29, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
7.00%
Up to 96 months
▼
APR7.00%
TermUp to 96 months
Last UpdatedMay 20, 2026
Details
** Denotes an auto over $50K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedMay 20, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
7.24%
Up to 84 mos.
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; >$25,0000 for 84 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2017 & Older
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedMay 20, 2026
Details
48 months or less
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2017 & Older
7.60%
60 Months
▼
APR7.60%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Classic Autos
7.75%
6 - 84
▼
APR7.75%
Term6 - 84
Last UpdatedMay 30, 2026
Details
As Low As; (25 years and older)
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 36 months
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
7.99%
24 Months
▼
APR7.99%
Term24 Months
Last UpdatedMay 22, 2026
Details
Up tp 100% NADA
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedMay 20, 2026
Details
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
3904 Central Pike, Hermitage, TN, 37076 3409
Vehicle Loan
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMay 29, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
8.29%
48 Months
▼
APR8.29%
Term48 Months
Last UpdatedMay 22, 2026
Details
Up tp 100% NADA
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
8.49%
60 Months
▼
APR8.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
Up tp 100% NADA
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 22, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedMay 20, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
9.49%
72 Months
▼
APR9.49%
Term72 Months
Last UpdatedMay 22, 2026
Details
Up tp 100% NADA
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedMay 20, 2026
Details
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
3904 Central Pike, Hermitage, TN, 37076 3409
Vehicle Loan
10.99%
Up to 48
▼
APR10.99%
TermUp to 48
Last UpdatedMay 29, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedMay 20, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
18.00%
24 to 96 Months
▼
APR18.00%
Term24 to 96 Months
Last UpdatedMay 20, 2026
Details
Secured
Powered by
MonitorBankRates
Tennessee New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 20, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
2110 W Mountcastle Dr, Johnson City, TN, 37604
New Auto Loan
4.25%
12-96
▼
APR4.25%
Term12-96
Last UpdatedMay 20, 2026
Details
As Low As; APR up to 16.25%
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.39%
63 months or less
▼
APR4.39%
Term63 months or less
Last UpdatedMay 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.07%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
Loan Promotion
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 90% of Retail
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 90% of Retail, 501 - 15,000 Miles
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year
▼
APR4.59%
Term3-7 year
Last UpdatedMay 29, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedMay 20, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
4.74%
Up To 60 Months
▼
APR4.74%
TermUp To 60 Months
Last UpdatedMay 29, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 20, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Autos
4.75%
24 - 120 Months
▼
APR4.75%
Term24 - 120 Months
Last UpdatedMay 20, 2026
Details
As Low As; 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.
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
2021 Meadowview Ln, Kingsport, TN, 37660
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 20, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.75%
24 Months
▼
APR4.75%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 24 months
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 22, 2026
Details
2017-2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
▼
APR4.75%
Term36-84 months
Last UpdatedMay 22, 2026
Details
As Low As
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.89%
64 - 75 months
▼
APR4.89%
Term64 - 75 months
Last UpdatedMay 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles1
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedMay 22, 2026
Details
125% financing available. No minimum loan amount.
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
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%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months or less
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 20, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
New Auto
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 100% of Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
5.00%
1 Year
▼
APR5.00%
Term1 Year
Last UpdatedMay 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.24%
24 Months
▼
APR5.24%
Term24 Months
Last UpdatedMay 20, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.24%
61 - 75 Months
▼
APR5.24%
Term61 - 75 Months
Last UpdatedMay 29, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 23, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 20, 2026
Details
72 months
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.49%
96 Months
▼
APR5.49%
Term96 Months
Last UpdatedMay 20, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84
▼
APR5.55%
Term6 - 84
Last UpdatedMay 30, 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: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
5.69%
76 - 84 months
▼
APR5.69%
Term76 - 84 months
Last UpdatedMay 17, 2026
Details
As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.74%
96 Months
▼
APR5.74%
Term96 Months
Last UpdatedMay 20, 2026
Details
Qualifications Required: Direct deposit or Automatic Payments; Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup, resulting in a loan rate as low as 4.99% APR.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
5.74%
Up to 60 mos.
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle Loan
5.74%
76 - 84 Months
▼
APR5.74%
Term76 - 84 Months
Last UpdatedMay 29, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100,000 miles to 125,000 miles Up to 120% of Retail
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 72 months
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
5.99%
Up to 72 mos.
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.00%
Up to 72 months
▼
APR6.00%
TermUp to 72 months
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.00%
2 Years
▼
APR6.00%
Term2 Years
Last UpdatedMay 20, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedMay 20, 2026
Details
As Low As; 125,001 miles to 150,000 miles Up to 120% of Retail
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
New Auto 2023-2026
6.20%
84 Months
▼
APR6.20%
Term84 Months
Last UpdatedMay 20, 2026
Details
84 months
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
New Car Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMay 29, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.50%
61 - 72
▼
APR6.50%
Term61 - 72
Last UpdatedMay 20, 2026
Details
As Low As; 100,000 miles to 125,000 miles Up to 120% of Retail
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.50%
Up to 84 months
▼
APR6.50%
TermUp to 84 months
Last UpdatedMay 20, 2026
Details
* Denotes an auto over $40K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.50%
3 Years
▼
APR6.50%
Term3 Years
Last UpdatedMay 20, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
6.85%
24 to 96 Months
▼
APR6.85%
Term24 to 96 Months
Last UpdatedMay 20, 2026
Details
Secured
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans Loan
6.99%
Up to 84 mos.
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
7.00%
Up to 96 months
▼
APR7.00%
TermUp to 96 months
Last UpdatedMay 20, 2026
Details
** Denotes an auto over $50K finanaced
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
7.00%
4 Years
▼
APR7.00%
Term4 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
8.00%
5 Years
▼
APR8.00%
Term5 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
9.00%
6 Years
▼
APR9.00%
Term6 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
10.00%
7 Years
▼
APR10.00%
Term7 Years
Last UpdatedMay 20, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
18.00%
24 to 96 Months
▼
APR18.00%
Term24 to 96 Months
Last UpdatedMay 20, 2026
Details
Secured
Powered by
MonitorBankRates
Tennessee Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
3.95%
48 Months
▼
APR3.95%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.00%
49 - 63
▼
APR4.00%
Term49 - 63
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.20%
64 - 75
▼
APR4.20%
Term64 - 75
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.25%
Up to 35 Months
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
4.49%
72 Months
▼
APR4.49%
Term72 Months
Last UpdatedMay 23, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
908 Woodland St, Nashville, TN, 37206
Used Auto
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; 90% of NADA Retail
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 20, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
2110 W Mountcastle Dr, Johnson City, TN, 37604
Used Auto Loan
4.75%
12-96
▼
APR4.75%
Term12-96
Last UpdatedMay 20, 2026
Details
As Low As; APR up to 17.25%
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
4.75%
36 - 59 Months
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN, 37604
Used Autos
4.90%
24 - 120 Months
▼
APR4.90%
Term24 - 120 Months
Last UpdatedMay 20, 2026
Details
As Low As; We will finance Loan Value or average retail / trade-in/loan value.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
▼
APR4.90%
Term36-84 months
Last UpdatedMay 22, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.95%
49 - 63
▼
APR4.95%
Term49 - 63
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
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%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; 24 months
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.47%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.05%
60 Months
▼
APR5.05%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months or less
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.10%
76 - 84
▼
APR5.10%
Term76 - 84
Last UpdatedMay 20, 2026
Details
As Low As; Up to 25,000 miles Up to 135% of Retail
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.14%
Up To 60 Months
▼
APR5.14%
TermUp To 60 Months
Last UpdatedMay 29, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
5.15%
36 - 120 months
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 20, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
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 UpdatedMay 22, 2026
Details
125% financing available.
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.25%
60 - 83 Months
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto
5.29%
84 Months
▼
APR5.29%
Term84 Months
Last UpdatedMay 23, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
5.29%
up to 60 months
▼
APR5.29%
Termup to 60 months
Last UpdatedMay 23, 2026
Details
As Low As
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
5.35%
72 Months
▼
APR5.35%
Term72 Months
Last UpdatedMay 20, 2026
Details
72 months
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.39%
63 months or less
▼
APR5.39%
Term63 months or less
Last UpdatedMay 17, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
5.49%
61 - 75 Months
▼
APR5.49%
Term61 - 75 Months
Last UpdatedMay 29, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 29, 2026
Details
As Low As
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
333 E Main St, Johnson City, TN, 37601
Used car/truck/van Loan
5.70%
36-84
▼
APR5.70%
Term36-84
Last UpdatedMay 29, 2026
Details
As Low As; 2013-2022 models
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2 Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 22, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
5.75%
1 Year
▼
APR5.75%
Term1 Year
Last UpdatedMay 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 22, 2026
Details
2017-2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.89%
64 to 75 months
▼
APR5.89%
Term64 to 75 months
Last UpdatedMay 17, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100,000 miles to 125,000 miles Up to 120% of Retail
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
5.94%
Up to 60 mos.
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
5.99%
24 Months
▼
APR5.99%
Term24 Months
Last UpdatedMay 20, 2026
Details
Additional 0.25% APR discount may be applied for new direct deposit or automatic payment setup
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
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 UpdatedMay 23, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.00%
76-84
▼
APR6.00%
Term76-84
Last UpdatedMay 20, 2026
Details
As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Classic Pre-owned Auto
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; See Note 1
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car Loan
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedMay 29, 2026
Details
As Low As
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
▼
APR6.05%
Term19 Years
Last UpdatedMay 22, 2026
Details
100% financing available. See loan department for models over 20 years and for classic cars.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2018-2020
6.10%
60 Months
▼
APR6.10%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months or less
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.15%
49 - 60
▼
APR6.15%
Term49 - 60
Last UpdatedMay 20, 2026
Details
As Low As; 125,001 miles to 150,000 miles Up to 120% of Retail
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
6.24%
24 Months
▼
APR6.24%
Term24 Months
Last UpdatedMay 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
6.24%
Up to 72 mos.
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2018-2020
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
72 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2021-2026
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
84 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; >$25,0000 for 84 months
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.25%
6 - 84
▼
APR6.25%
Term6 - 84
Last UpdatedMay 30, 2026
Details
As Low As; (7 years old or newer)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle Loan
6.29%
76 - 84 Months
▼
APR6.29%
Term76 - 84 Months
Last UpdatedMay 29, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.39%
63 months or less
▼
APR6.39%
Term63 months or less
Last UpdatedMay 17, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022) Loan
6.49%
up to 84 months
▼
APR6.49%
Termup to 84 months
Last UpdatedMay 23, 2026
Details
As Low As
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.50%
61 - 72
▼
APR6.50%
Term61 - 72
Last UpdatedMay 20, 2026
Details
As Low As; 100,000 miles to 125,000 miles Up to 120% of Retail
Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1306 Highway 70 Byp, Jackson, TN, 38301
Used Vehicles Loan
6.50%
60 Months
▼
APR6.50%
Term60 Months
Last UpdatedMay 22, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.69%
76 to 84 months
▼
APR6.69%
Term76 to 84 months
Last UpdatedMay 17, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.75%
72 Months
▼
APR6.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 72 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
6.75%
2 Years
▼
APR6.75%
Term2 Years
Last UpdatedMay 20, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.75%
6 - 72
▼
APR6.75%
Term6 - 72
Last UpdatedMay 30, 2026
Details
As Low As; (8-15 years old)
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
6.85%
24 to 96 Months
▼
APR6.85%
Term24 to 96 Months
Last UpdatedMay 20, 2026
Details
Secured
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.89%
64 to 75 months
▼
APR6.89%
Term64 to 75 months
Last UpdatedMay 17, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
6.99%
72 Months
▼
APR6.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
▼
APR6.99%
Term3-7 year
Last UpdatedMay 29, 2026
Details
As Low As
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
7.00%
3 Years
▼
APR7.00%
Term3 Years
Last UpdatedMay 20, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
▼
APR7.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans Loan
7.24%
Up to 84 mos.
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedMay 22, 2026
Details
As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.25%
84 Months
▼
APR7.25%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; >$25,0000 for 84 months
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2017 & Older
7.45%
48 Months
▼
APR7.45%
Term48 Months
Last UpdatedMay 20, 2026
Details
48 months or less
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
1701 21st Ave s, Nashville, TN, 37212 3703
Used Auto 2017 & Older
7.60%
60 Months
▼
APR7.60%
Term60 Months
Last UpdatedMay 20, 2026
Details
60 months
Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.99%
36 Months
▼
APR7.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 36 months
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
8.00%
4 Years
▼
APR8.00%
Term4 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
9.00%
5 Years
▼
APR9.00%
Term5 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
10.00%
6 Years
▼
APR10.00%
Term6 Years
Last UpdatedMay 20, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
11.00%
7 Years
▼
APR11.00%
Term7 Years
Last UpdatedMay 20, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
18.00%
24 to 96 Months
▼
APR18.00%
Term24 to 96 Months
Last UpdatedMay 20, 2026
Details
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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
5.216%
Unchanged vs 7 days ago
Tennessee new auto loan rates currently average 5.216% APR.
Used Auto Loan — TN Avg
5.986%
Unchanged vs 7 days ago
Tennessee used auto loan rates currently average 5.986% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.
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:
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Orion Federal Credit Union: 3.45% (Auto Loans)
- Owensboro Federal Credit Union: 3.75% (2026-2023 Auto Loan)
- Scenic Community Credit Union: 3.95% (New and Used Vehicles (as low as))
- Bowater Employees Credit Union: 3.99% (New Cars, Trucks, and Vans)
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: May 30, 2026
Auto Loan Rates by City in Tennessee
Rate Assistant
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