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Auto Loan Rates in Tennessee (TN) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Tennessee. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Tennessee include Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN, 38116 1917A+5.0 ★Texas Ratio: 2.42% offering Auto Loans at 3.45%, Leaders Credit UnionLeaders Credit Union214 Oil Well Rd, Jackson, TN, 38305 7914A+5.0 ★Texas Ratio: 4.94% offering Auto Loans at 3.49%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionAAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214A+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Scenic Community Credit UnionScenic Community Credit Union4503 Hixson Pike, Hixson, TN, 37343A+5.0 ★Texas Ratio: 5.14% offering New and Used Vehicles (as low as) at 3.95%, Memphis City Employees Credit UnionMemphis City Employees Credit Union2608 Avery Ave, Memphis, TN, 38112 4821A+5.0 ★Texas Ratio: 1.83% offering New & Used Auto 60 Months at 3.99%. Auto loan rates as of May 12, 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 3.45% APR from Orion Federal Credit Union at 3155 Millbranch Rd, Memphis, TN, 38116 1917. 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 12, 2026

Compare Auto Loan Rates Today in Tennessee

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Orion Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN, 38116 1917
Auto Loans
3.45%
Max. 84 Months
View
▼
APR3.45%
TermMax. 84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN, 38305 7914
Auto Loans
3.49%
96 months
View
▼
APR3.49%
Term96 months
Last UpdatedMay 10, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
3.95%
48 Months
View
▼
APR3.95%
Term48 Months
Last UpdatedMay 12, 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: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 60 Months
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.00%
49 - 63
View
▼
APR4.00%
Term49 - 63
Last UpdatedMay 12, 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: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.20%
64 - 75
View
▼
APR4.20%
Term64 - 75
Last UpdatedMay 12, 2026
Details

As Low As; Up to 25,000 miles Up to 135% of Retail

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
View
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 6, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.39%
63 months or less
View
▼
APR4.39%
Term63 months or less
Last UpdatedMay 6, 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: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 72 Months
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 90% of Retail

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 90% of Retail, 501 - 15,000 Miles

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Used Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 90% of NADA Retail

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedMay 10, 2026
Details

As Low As

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

Loan Promotion

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 12, 2026
Details

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 12, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
4.74%
Up To 60 Months
View
▼
APR4.74%
TermUp To 60 Months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
View
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 6, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

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
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Autos
4.75%
24 - 120 Months
View
▼
APR4.75%
Term24 - 120 Months
Last UpdatedMay 12, 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: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.85%
48 Months
View
▼
APR4.85%
Term48 Months
Last UpdatedMay 12, 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: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedMay 6, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles1

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
View
▼
APR4.90%
Term5 Years
Last UpdatedMay 6, 2026
Details

125% financing available. No minimum loan amount.

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
300 Med Tech Pkwy, Johnson City, TN, 37604
Used Autos
4.90%
24 - 120 Months
View
▼
APR4.90%
Term24 - 120 Months
Last UpdatedMay 12, 2026
Details

As Low As; We will finance Loan Value or average retail / trade-in/loan value.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.95%
49 - 63
View
▼
APR4.95%
Term49 - 63
Last UpdatedMay 12, 2026
Details

As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 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
View
▼
APR4.99%
Term78 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 100% of Retail

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 12, 2026
Details

Qualifications Required: Direct deposit or automatic payment; 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: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 12, 2026
Details

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
5.00%
1 Year
View
▼
APR5.00%
Term1 Year
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.10%
76 - 84
View
▼
APR5.10%
Term76 - 84
Last UpdatedMay 12, 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: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
5.14%
Up To 60 Months
View
▼
APR5.14%
TermUp To 60 Months
Last UpdatedMay 6, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
View
▼
APR5.15%
Term10 Years
Last UpdatedMay 6, 2026
Details

125% financing available.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
5.15%
36 - 120 months
View
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
5.19%
63 Months
View
▼
APR5.19%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As

Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
112 Administration Rd, Oak Ridge, TN, 37830
Auto Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedMay 6, 2026
Details

As Low As

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
5.24%
61 - 75 Months
View
▼
APR5.24%
Term61 - 75 Months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.24%
24 Months
View
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details

Qualifications Required: Direct deposit or automatic payment; 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.

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
View
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 6, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

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
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 84 Months
5.29%
84 Months
View
▼
APR5.29%
Term84 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
View
▼
APR5.29%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.39%
63 months or less
View
▼
APR5.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
View
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
5.49%
61 - 75 Months
View
▼
APR5.49%
Term61 - 75 Months
Last UpdatedMay 6, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 12, 2026
Details

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 12, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedMay 12, 2026
Details

Qualifications Required: Direct deposit or automatic payment; 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: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
View
▼
APR5.55%
Term6 - 84 months
Last UpdatedMay 7, 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: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedMay 6, 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
5.70%
36-84
View
▼
APR5.70%
Term36-84
Last UpdatedMay 6, 2026
Details

As Low As; 2013-2022 models

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
5.74%
76 - 84 Months
View
▼
APR5.74%
Term76 - 84 Months
Last UpdatedMay 6, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
View
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedMay 7, 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: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.74%
96 Months
View
▼
APR5.74%
Term96 Months
Last UpdatedMay 12, 2026
Details

Qualifications Required: Direct deposit or automatic payment; 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.

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
5.75%
Up to 60 months
View
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
5.75%
1 Year
View
▼
APR5.75%
Term1 Year
Last UpdatedMay 12, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.89%
64 to 75 months
View
▼
APR5.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.90%
48 Months
View
▼
APR5.90%
Term48 Months
Last UpdatedMay 12, 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: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
View
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedMay 7, 2026
Details

As Low As; The rate shown is the lowest available rate. Your rate may be higher depending on your credit score.

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
View
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedMay 7, 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: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Older Vehicles (2011-2016)
5.99%
up to 48 months
View
▼
APR5.99%
Termup to 48 months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
View
▼
APR5.99%
Termup to 72 months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedMay 12, 2026
Details

Direct Deposit or Automatic Payments

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Classic Pre-owned Auto
6.00%
36 Months
View
▼
APR6.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.00%
76-84
View
▼
APR6.00%
Term76-84
Last UpdatedMay 12, 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: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.00%
Up to 72 months
View
▼
APR6.00%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.00%
2 Years
View
▼
APR6.00%
Term2 Years
Last UpdatedMay 12, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
View
▼
APR6.05%
Term19 Years
Last UpdatedMay 6, 2026
Details

100% financing available. See loan department for models over 20 years and for classic cars.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.15%
49 - 60
View
▼
APR6.15%
Term49 - 60
Last UpdatedMay 12, 2026
Details

As Low As; 125,001 miles to 150,000 miles Up to 120% of Retail

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
6.19%
63 Months
View
▼
APR6.19%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
View
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedMay 7, 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: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedMay 12, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
6.24%
24 Months
View
▼
APR6.24%
Term24 Months
Last UpdatedMay 12, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
6.25%
96 Months
View
▼
APR6.25%
Term96 Months
Last UpdatedMay 6, 2026
Details

As Low As

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.25%
6 - 84 months
View
▼
APR6.25%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details

As Low As; (7 years old or newer)

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
6.29%
76 - 84 Months
View
▼
APR6.29%
Term76 - 84 Months
Last UpdatedMay 6, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.39%
63 months or less
View
▼
APR6.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
580 Franklin Rd, Franklin, TN, 37069
Auto Loans 2022
6.49%
63 Months
View
▼
APR6.49%
Term63 Months
Last UpdatedMay 6, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
View
▼
APR6.49%
Termup to 84 months
Last UpdatedMay 10, 2026
Details

As Low As

Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1306 Highway 70 Byp, Jackson, TN, 38301
Used Vehicles
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedMay 7, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.50%
61 - 72
View
▼
APR6.50%
Term61 - 72
Last UpdatedMay 12, 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: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.50%
Up to 84 months *
View
▼
APR6.50%
TermUp to 84 months *
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.50%
3 Years
View
▼
APR6.50%
Term3 Years
Last UpdatedMay 12, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.69%
76 to 84 months
View
▼
APR6.69%
Term76 to 84 months
Last UpdatedMay 6, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
6.69%
75 Months
View
▼
APR6.69%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
580 Franklin Rd, Franklin, TN, 37069
Auto Loans 2020
6.75%
63 Months
View
▼
APR6.75%
Term63 Months
Last UpdatedMay 6, 2026
Details

As Low As

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.75%
6 - 72 months
View
▼
APR6.75%
Term6 - 72 months
Last UpdatedMay 7, 2026
Details

As Low As; (8-15 years old)

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
6.75%
2 Years
View
▼
APR6.75%
Term2 Years
Last UpdatedMay 12, 2026
Details

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
6.85%
24 to 96 Months
View
▼
APR6.85%
Term24 to 96 Months
Last UpdatedMay 12, 2026
Details

Secured

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.89%
64 to 75 months
View
▼
APR6.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
6.89%
84 Months
View
▼
APR6.89%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
6.99%
Up to 84 mos.
View
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedMay 7, 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: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
6.99%
24 Months
View
▼
APR6.99%
Term24 Months
Last UpdatedMay 7, 2026
Details

Up tp 100% MSRP

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Older Vehicles (2011-2016)
6.99%
up to 60 months
View
▼
APR6.99%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
7.00%
Up to 96 months **
View
▼
APR7.00%
TermUp to 96 months **
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
7.00%
4 Years
View
▼
APR7.00%
Term4 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
7.00%
3 Years
View
▼
APR7.00%
Term3 Years
Last UpdatedMay 12, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
7.24%
Up to 84 mos.
View
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedMay 7, 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: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
View
▼
APR7.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
7.49%
60 Months
View
▼
APR7.49%
Term60 Months
Last UpdatedMay 7, 2026
Details

Up tp 100% MSRP

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (Over 100,000 miles)
7.49%
48 Months
View
▼
APR7.49%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedMay 10, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (Over 100,000 miles)
7.69%
63 Months
View
▼
APR7.69%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Classic Autos
7.75%
6 - 84 months
View
▼
APR7.75%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details

As Low As; (25 years and older)

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
7.89%
84 Months
View
▼
APR7.89%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
7.99%
24 Months
View
▼
APR7.99%
Term24 Months
Last UpdatedMay 7, 2026
Details

Up tp 100% NADA

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
8.00%
5 Years
View
▼
APR8.00%
Term5 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
8.00%
4 Years
View
▼
APR8.00%
Term4 Years
Last UpdatedMay 12, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (Over 100,000 miles)
8.19%
75 Months
View
▼
APR8.19%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
8.29%
48 Months
View
▼
APR8.29%
Term48 Months
Last UpdatedMay 7, 2026
Details

Up tp 100% NADA

Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
8.49%
60 Months
View
▼
APR8.49%
Term60 Months
Last UpdatedMay 7, 2026
Details

Up tp 100% NADA

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedMay 10, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
9.00%
6 Years
View
▼
APR9.00%
Term6 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
9.00%
5 Years
View
▼
APR9.00%
Term5 Years
Last UpdatedMay 12, 2026
Details

Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
Auto Loan
9.49%
72 Months
View
▼
APR9.49%
Term72 Months
Last UpdatedMay 7, 2026
Details

Up tp 100% NADA

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
10.00%
7 Years
View
▼
APR10.00%
Term7 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
10.00%
6 Years
View
▼
APR10.00%
Term6 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
11.00%
7 Years
View
▼
APR11.00%
Term7 Years
Last UpdatedMay 12, 2026
Details

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
16.84%
36-84
View
▼
APR16.84%
Term36-84
Last UpdatedMay 6, 2026
Details

2013-2022 models

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
18.00%
24 to 96 Months
View
▼
APR18.00%
Term24 to 96 Months
Last UpdatedMay 12, 2026
Details

Secured

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
3.95%
48 Months
View
▼
APR3.95%
Term48 Months
Last UpdatedMay 12, 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: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 60 Months
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.00%
49 - 63
View
▼
APR4.00%
Term49 - 63
Last UpdatedMay 12, 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: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.20%
64 - 75
View
▼
APR4.20%
Term64 - 75
Last UpdatedMay 12, 2026
Details

As Low As; Up to 25,000 miles Up to 135% of Retail

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
View
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 6, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.39%
63 months or less
View
▼
APR4.39%
Term63 months or less
Last UpdatedMay 6, 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: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
New Autos
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 72 Months
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 90% of Retail

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Semi-New Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 90% of Retail, 501 - 15,000 Miles

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedMay 10, 2026
Details

As Low As

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN, 38116
New Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 12, 2026
Details

Loan Promotion

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMay 12, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
4.74%
Up To 60 Months
View
▼
APR4.74%
TermUp To 60 Months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMay 12, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
View
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 6, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

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
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
300 Med Tech Pkwy, Johnson City, TN, 37604
New Autos
4.75%
24 - 120 Months
View
▼
APR4.75%
Term24 - 120 Months
Last UpdatedMay 12, 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: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.85%
48 Months
View
▼
APR4.85%
Term48 Months
Last UpdatedMay 12, 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: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedMay 6, 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: 1.15%
1038 N Main Ave, Erwin, TN, 37650
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
View
▼
APR4.90%
Term5 Years
Last UpdatedMay 6, 2026
Details

125% financing available. No minimum loan amount.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.95%
49 - 63
View
▼
APR4.95%
Term49 - 63
Last UpdatedMay 12, 2026
Details

As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
New Auto
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 100% of Retail

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

As Low As

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 12, 2026
Details

Qualifications Required: Direct deposit or automatic payment; 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.

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
5.00%
1 Year
View
▼
APR5.00%
Term1 Year
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.10%
76 - 84
View
▼
APR5.10%
Term76 - 84
Last UpdatedMay 12, 2026
Details

As Low As; Up to 25,000 miles Up to 135% of Retail

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
5.19%
63 Months
View
▼
APR5.19%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
5.24%
61 - 75 Months
View
▼
APR5.24%
Term61 - 75 Months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.24%
24 Months
View
▼
APR5.24%
Term24 Months
Last UpdatedMay 12, 2026
Details

Qualifications Required: Direct deposit or automatic payment; 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.

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
View
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 6, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

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
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 12, 2026
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 84 Months
5.29%
84 Months
View
▼
APR5.29%
Term84 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
View
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
New Cars, Trucks, and Vans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 12, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.49%
96 Months
View
▼
APR5.49%
Term96 Months
Last UpdatedMay 12, 2026
Details

Qualifications Required: Direct deposit or automatic payment; 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: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
New Autos
5.55%
6 - 84 months
View
▼
APR5.55%
Term6 - 84 months
Last UpdatedMay 7, 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: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
New Cars & Trucks
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedMay 6, 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

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
New Vehicle
5.74%
76 - 84 Months
View
▼
APR5.74%
Term76 - 84 Months
Last UpdatedMay 6, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
View
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedMay 7, 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: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME New Auto Loan Rate Special 2021-2026
5.74%
96 Months
View
▼
APR5.74%
Term96 Months
Last UpdatedMay 12, 2026
Details

Qualifications Required: Direct deposit or automatic payment; 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.

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
5.75%
Up to 60 months
View
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.90%
48 Months
View
▼
APR5.90%
Term48 Months
Last UpdatedMay 12, 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: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
View
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedMay 7, 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: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 10, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.00%
76-84
View
▼
APR6.00%
Term76-84
Last UpdatedMay 12, 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: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.00%
Up to 72 months
View
▼
APR6.00%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.00%
2 Years
View
▼
APR6.00%
Term2 Years
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.15%
49 - 60
View
▼
APR6.15%
Term49 - 60
Last UpdatedMay 12, 2026
Details

As Low As; 125,001 miles to 150,000 miles Up to 120% of Retail

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
New Car
6.25%
96 Months
View
▼
APR6.25%
Term96 Months
Last UpdatedMay 6, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
New Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.50%
61 - 72
View
▼
APR6.50%
Term61 - 72
Last UpdatedMay 12, 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: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
6.50%
Up to 84 months *
View
▼
APR6.50%
TermUp to 84 months *
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
6.50%
3 Years
View
▼
APR6.50%
Term3 Years
Last UpdatedMay 12, 2026
Details

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
6.85%
24 to 96 Months
View
▼
APR6.85%
Term24 to 96 Months
Last UpdatedMay 12, 2026
Details

Secured

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
New Automobiles (up to 25,000 miles)
6.89%
84 Months
View
▼
APR6.89%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
New Cars, Trucks, Vans
6.99%
Up to 84 mos.
View
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedMay 7, 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: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN, 37043 8939
New Auto (2025-2026)
7.00%
Up to 96 months **
View
▼
APR7.00%
TermUp to 96 months **
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
7.00%
4 Years
View
▼
APR7.00%
Term4 Years
Last UpdatedMay 12, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedMay 10, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
8.00%
5 Years
View
▼
APR8.00%
Term5 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
9.00%
6 Years
View
▼
APR9.00%
Term6 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans New
10.00%
7 Years
View
▼
APR10.00%
Term7 Years
Last UpdatedMay 12, 2026
Details

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
18.00%
24 to 96 Months
View
▼
APR18.00%
Term24 to 96 Months
Last UpdatedMay 12, 2026
Details

Secured

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
3.95%
48 Months
View
▼
APR3.95%
Term48 Months
Last UpdatedMay 12, 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: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 60 Months
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.00%
49 - 63
View
▼
APR4.00%
Term49 - 63
Last UpdatedMay 12, 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: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.20%
64 - 75
View
▼
APR4.20%
Term64 - 75
Last UpdatedMay 12, 2026
Details

As Low As; Up to 25,000 miles Up to 135% of Retail

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
View
▼
APR4.25%
TermUp to 35 Months
Last UpdatedMay 6, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 72 Months
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
908 Woodland St, Nashville, TN, 37206
Used Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 90% of NADA Retail

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedMay 10, 2026
Details

As Low As

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMay 12, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
View
▼
APR4.75%
Term36 - 59 Months
Last UpdatedMay 6, 2026
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.85%
48 Months
View
▼
APR4.85%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
1545 Bluff City Hwy, Bristol, TN, 37620 6018
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedMay 6, 2026
Details

As Low As

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
300 Med Tech Pkwy, Johnson City, TN, 37604
Used Autos
4.90%
24 - 120 Months
View
▼
APR4.90%
Term24 - 120 Months
Last UpdatedMay 12, 2026
Details

As Low As; We will finance Loan Value or average retail / trade-in/loan value.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
4.95%
49 - 63
View
▼
APR4.95%
Term49 - 63
Last UpdatedMay 12, 2026
Details

As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union, Nashville, TN, 37214
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 7, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN, 38305
Used Autos
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 12, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Pre-owned Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN, 37214
Used Auto
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.10%
76 - 84
View
▼
APR5.10%
Term76 - 84
Last UpdatedMay 12, 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: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
5.14%
Up To 60 Months
View
▼
APR5.14%
TermUp To 60 Months
Last UpdatedMay 6, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
View
▼
APR5.15%
Term10 Years
Last UpdatedMay 6, 2026
Details

125% financing available.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN, 37660
Used Auto
5.15%
36 - 120 months
View
▼
APR5.15%
Term36 - 120 months
Last UpdatedMay 12, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
View
▼
APR5.25%
Term60 - 83 Months
Last UpdatedMay 6, 2026
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN, 38112 4821
New & Used Auto 84 Months
5.29%
84 Months
View
▼
APR5.29%
Term84 Months
Last UpdatedMay 10, 2026
Details

Rate is based on credit score and term. Loans are subject to credit approval. New and used auto rates. Other restrictions apply.

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
View
▼
APR5.29%
Termup to 60 months
Last UpdatedMay 10, 2026
Details

As Low As

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.39%
63 months or less
View
▼
APR5.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
5.49%
61 - 75 Months
View
▼
APR5.49%
Term61 - 75 Months
Last UpdatedMay 6, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 12, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMay 6, 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
5.70%
36-84
View
▼
APR5.70%
Term36-84
Last UpdatedMay 6, 2026
Details

As Low As; 2013-2022 models

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN, 37315
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN, 38134 3169
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN, 38134
New and Used Auto Loans 2017-2026
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedMay 6, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
5.75%
1 Year
View
▼
APR5.75%
Term1 Year
Last UpdatedMay 12, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
5.89%
64 to 75 months
View
▼
APR5.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
5.90%
48 Months
View
▼
APR5.90%
Term48 Months
Last UpdatedMay 12, 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: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
View
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedMay 7, 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: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedMay 10, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
View
▼
APR5.99%
Termup to 72 months
Last UpdatedMay 10, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedMay 12, 2026
Details

Direct Deposit or Automatic Payments

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN, 37334
Used Car
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN, 37352
Classic Pre-owned Auto
6.00%
36 Months
View
▼
APR6.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As; See Note 1

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.00%
76-84
View
▼
APR6.00%
Term76-84
Last UpdatedMay 12, 2026
Details

As Low As; 25,001 miles to 99,999 miles Up to 135% of Retail

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN, 37650
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
View
▼
APR6.05%
Term19 Years
Last UpdatedMay 6, 2026
Details

100% financing available. See loan department for models over 20 years and for classic cars.

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.15%
49 - 60
View
▼
APR6.15%
Term49 - 60
Last UpdatedMay 12, 2026
Details

As Low As; 125,001 miles to 150,000 miles Up to 120% of Retail

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
6.19%
63 Months
View
▼
APR6.19%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
View
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedMay 7, 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: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedMay 12, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN, 37912
LIMITED-TIME Used Auto Loan Rate Special 2017-2020
6.24%
24 Months
View
▼
APR6.24%
Term24 Months
Last UpdatedMay 12, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.25%
6 - 84 months
View
▼
APR6.25%
Term6 - 84 months
Last UpdatedMay 7, 2026
Details

As Low As; (7 years old or newer)

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN, 37388
Used Vehicle
6.29%
76 - 84 Months
View
▼
APR6.29%
Term76 - 84 Months
Last UpdatedMay 6, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.39%
63 months or less
View
▼
APR6.39%
Term63 months or less
Last UpdatedMay 6, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN, 37643
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
View
▼
APR6.49%
Termup to 84 months
Last UpdatedMay 10, 2026
Details

As Low As

Enlighten Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
1306 Highway 70 Byp, Jackson, TN, 38301
Used Vehicles
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedMay 7, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN, 37343
New and Used Vehicles (as low as)
6.50%
61 - 72
View
▼
APR6.50%
Term61 - 72
Last UpdatedMay 12, 2026
Details

As Low As; 100,000 miles to 125,000 miles Up to 120% of Retail

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.69%
76 to 84 months
View
▼
APR6.69%
Term76 to 84 months
Last UpdatedMay 6, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
6.69%
75 Months
View
▼
APR6.69%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN, 37615
Used Autos
6.75%
6 - 72 months
View
▼
APR6.75%
Term6 - 72 months
Last UpdatedMay 7, 2026
Details

As Low As; (8-15 years old)

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
6.75%
2 Years
View
▼
APR6.75%
Term2 Years
Last UpdatedMay 12, 2026
Details

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
6.85%
24 to 96 Months
View
▼
APR6.85%
Term24 to 96 Months
Last UpdatedMay 12, 2026
Details

Secured

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN, 37402
Used Cars & Trucks
6.89%
64 to 75 months
View
▼
APR6.89%
Term64 to 75 months
Last UpdatedMay 6, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN, 37909 2646
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
7.00%
3 Years
View
▼
APR7.00%
Term3 Years
Last UpdatedMay 12, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN, 37311
Used Cars, Trucks, Vans
7.24%
Up to 84 mos.
View
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedMay 7, 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: 6.11%
50 Fed Ex Pkwy, Collierville, TN, 38017 8711
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 7, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN, 37309
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
View
▼
APR7.24%
Term72 Months
Last UpdatedMay 12, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Used Auto
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedMay 12, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (Over 100,000 miles)
7.49%
48 Months
View
▼
APR7.49%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (Over 100,000 miles)
7.69%
63 Months
View
▼
APR7.69%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (25,001 - 100,000 miles
7.89%
84 Months
View
▼
APR7.89%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN, 37027
Classic / Older Used Auto
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
8.00%
4 Years
View
▼
APR8.00%
Term4 Years
Last UpdatedMay 12, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN, 37415 6911
Used Automobiles (Over 100,000 miles)
8.19%
75 Months
View
▼
APR8.19%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN, 38104
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedMay 10, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
9.00%
5 Years
View
▼
APR9.00%
Term5 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
10.00%
6 Years
View
▼
APR10.00%
Term6 Years
Last UpdatedMay 12, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN, 37064 5313
Other Vehicle Loans Used
11.00%
7 Years
View
▼
APR11.00%
Term7 Years
Last UpdatedMay 12, 2026
Details

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
16.84%
36-84
View
▼
APR16.84%
Term36-84
Last UpdatedMay 6, 2026
Details

2013-2022 models

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN, 37160 2846
New Autos, Used Autos and All Others
18.00%
24 to 96 Months
View
▼
APR18.00%
Term24 to 96 Months
Last UpdatedMay 12, 2026
Details

Secured

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.

View Full Tennessee Auto Trends →
New Auto Loan — TN Avg
5.702%
▲ 0.396 vs 7 days ago

Tennessee new auto rates rose 0.396 points over the past 7 days to 5.702% APR.

Used Auto Loan — TN Avg
6.519%
▲ 0.626 vs 7 days ago

Tennessee used auto rates rose 0.626 points over the past 7 days to 6.519% APR.

As of May 14, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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:
  • Orion Federal Credit Union: 3.45% (Auto Loans)
  • Leaders Credit Union: 3.49% (Auto Loans)
  • American Airlines Federal Credit Union: 3.74% (New Auto)
  • Scenic Community Credit Union: 3.95% (New and Used Vehicles (as low as))
  • Memphis City Employees Credit Union: 3.99% (New & Used Auto 60 Months)
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 12, 2026

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Auto Loan Rates by City in Tennessee

  • Adams
  • Adamsville
  • Afton
  • Alamo
  • Alcoa
  • Alexandria
  • Allardt
  • Allons
  • Allred
  • Alpine
  • Altamont
  • Andersonville
  • Antioch
  • Apison
  • Ardmore
  • Arlington
  • Arrington
  • Arthur
  • Ashland City
  • Athens
  • Atoka
  • Atwood
  • Auburntown
  • Bakewell
  • Bath Springs
  • Baxter
  • Bean Station
  • Beech Bluff
  • Beechgrove
  • Beersheba Springs
  • Belfast
  • Bell Buckle
  • Bells
  • Belvidere
  • Benton
  • Bethel Springs
  • Bethpage
  • Big Rock
  • Big Sandy
  • Birchwood
  • Blaine
  • Bloomington Springs
  • Blountville
  • Bluff City
  • Bogota
  • Bolivar
  • Bon Aqua
  • Braden
  • Bradford
  • Bradyville
  • Brentwood
  • Briceville
  • Brighton
  • Bristol
  • Brownsville
  • Bruceton
  • Brunswick
  • Brush Creek
  • Buchanan
  • Buena Vista
  • Buffalo Valley
  • Bulls Gap
  • Bumpus Mills
  • Burlison
  • Burns
  • Butler
  • Bybee
  • Byrdstown
  • Calhoun
  • Camden
  • Campaign
  • Carthage
  • Caryville
  • Castalian Springs
  • Cedar Grove
  • Cedar Hill
  • Celina
  • Centerville
  • Chapel Hill
  • Chapmansboro
  • Charleston
  • Charlotte
  • Chattanooga
  • Chestnut Mound
  • Chewalla
  • Christiana
  • Chuckey
  • Church Hill
  • Clairfield
  • Clarkrange
  • Clarksburg
  • Clarksville
  • Cleveland
  • Clifton
  • Clinton
  • Coalfield
  • Coalmont
  • Cokercreek
  • College Grove
  • Collegedale
  • Collierville
  • Collinwood
  • Columbia
  • Como
  • Conasauga
  • Cookeville
  • Copperhill
  • Cordova
  • Cornersville
  • Corryton
  • Cosby
  • Cottage Grove
  • Cottontown
  • Counce
  • Covington
  • Cowan
  • Crab Orchard
  • Crawford
  • Crockett Mills
  • Cross Plains
  • Crossville
  • Crump
  • Culleoka
  • Cumberland City
  • Cumberland Furnace
  • Cumberland Gap
  • Cunningham
  • Cypress Inn
  • Dandridge
  • Darden
  • Dayton
  • Decatur
  • Decaturville
  • Decherd
  • Deer Lodge
  • Del Rio
  • Delano
  • Dellrose
  • Denmark
  • Dickson
  • Dixon Springs
  • Dover
  • Dowelltown
  • Doyle
  • Dresden
  • Drummonds
  • Duck River
  • Ducktown
  • Duff
  • Dukedom
  • Dunlap
  • Dyer
  • Dyersburg
  • Eads
  • Eagan
  • Eagleville
  • Eaton
  • Eidson
  • Elgin
  • Elizabethton
  • Elkton
  • Ellendale
  • Elmwood
  • Elora
  • Englewood
  • Enville
  • Erin
  • Erwin
  • Estill Springs
  • Ethridge
  • Etowah
  • Eva
  • Evensville
  • Fairview
  • Fall Branch
  • Farner
  • Fayetteville
  • Finger
  • Finley
  • Five Points
  • Flag Pond
  • Flintville
  • Fosterville
  • Frankewing
  • Franklin
  • Friendship
  • Friendsville
  • Fruitvale
  • Gadsden
  • Gainesboro
  • Gallatin
  • Gallaway
  • Gates
  • Gatlinburg
  • Georgetown
  • Germantown
  • Gibson
  • Gladeville
  • Gleason
  • Goodlettsville
  • Goodspring
  • Gordonsville
  • Grand Junction
  • Grandview
  • Granville
  • Graysville
  • Greenback
  • Greenbrier
  • Greeneville
  • Greenfield
  • Grimsley
  • Gruetli Laager
  • Guild
  • Guys
  • Halls
  • Hampshire
  • Hampton
  • Harriman
  • Harrison
  • Harrogate
  • Hartford
  • Hartsville
  • Heiskell
  • Helenwood
  • Henderson
  • Hendersonville
  • Henry
  • Hermitage
  • Hickman
  • Hickory Valley
  • Hickory Withe
  • Hilham
  • Hillsboro
  • Hixson
  • Hohenwald
  • Holladay
  • Hollow Rock
  • Hornbeak
  • Hornsby
  • Humboldt
  • Huntingdon
  • Huntland
  • Huntsville
  • Huron
  • Hurricane Mills
  • Idlewild
  • Indian Mound
  • Iron City
  • Jacks Creek
  • Jacksboro
  • Jackson
  • Jamestown
  • Jasper
  • Jefferson City
  • Jellico
  • Joelton
  • Johnson City
  • Jonesborough
  • Kelso
  • Kenton
  • Kingsport
  • Kingston
  • Kingston Springs
  • Knoxville
  • Kodak
  • Kyles Ford
  • La Follette
  • La Grange
  • La Vergne
  • Laconia
  • Lafayette
  • Lake City
  • Lancaster
  • Lancing
  • Lascassas
  • Laurel Bloomery
  • Lavinia
  • Lawrenceburg
  • Lebanon
  • Lenoir City
  • Lenox
  • Leoma
  • Lewisburg
  • Lexington
  • Liberty
  • Limestone
  • Linden
  • Livingston
  • Lobelville
  • Lone Mountain
  • Lookout Mountain
  • Loretto
  • Loudon
  • Louisville
  • Lowland
  • Lupton City
  • Luray
  • Luttrell
  • Lutts
  • Lyles
  • Lynchburg
  • Lynnville
  • Macon
  • Madison
  • Madisonville
  • Manchester
  • Mansfield
  • Martin
  • Maryville
  • Mascot
  • Mason
  • Maury City
  • Maynardville
  • McDonald
  • McEwen
  • McKenzie
  • McLemoresville
  • McMinnville
  • Medina
  • Medon
  • Memphis
  • Mercer
  • Michie
  • Middleton
  • Midway
  • Milan
  • Milledgeville
  • Milligan College
  • Millington
  • Milton
  • Minor Hill
  • Miston
  • Mitchellville
  • Mohawk
  • Monroe
  • Monteagle
  • Monterey
  • Mooresburg
  • Morris Chapel
  • Morrison
  • Morristown
  • Moscow
  • Mosheim
  • Moss
  • Mount Carmel
  • Mount Juliet
  • Mount Pleasant
  • Mountain City
  • Mountain Home
  • Mulberry
  • Munford
  • Murfreesboro
  • Nashville
  • New Johnsonville
  • New Market
  • New Tazewell
  • Newbern
  • Newcomb
  • Newport
  • Niota
  • Nolensville
  • Norene
  • Normandy
  • Norris
  • Nunnelly
  • Oak Ridge
  • Oakdale
  • Oakfield
  • Oakland
  • Obion
  • Ocoee
  • Old Hickory
  • Oldfort
  • Olivehill
  • Oliver Springs
  • Oneida
  • Only
  • Ooltewah
  • Orlinda
  • Ozone
  • Pall Mall
  • Palmer
  • Palmersville
  • Palmyra
  • Paris
  • Parrottsville
  • Parsons
  • Pegram
  • Pelham
  • Petersburg
  • Petros
  • Philadelphia
  • Pickwick Dam
  • Pigeon Forge
  • Pikeville
  • Piney Flats
  • Pinson
  • Pioneer
  • Pleasant Hill
  • Pleasant Shade
  • Pleasant View
  • Pleasantville
  • Pocahontas
  • Portland
  • Powder Springs
  • Powell
  • Powells Crossroads
  • Primm Springs
  • Prospect
  • Pruden
  • Pulaski
  • Puryear
  • Quebeck
  • Ramer
  • Readyville
  • Reagan
  • Red Boiling Springs
  • Reliance
  • Riceville
  • Rickman
  • Riddleton
  • Ridgely
  • Ridgetop
  • Rives
  • Roan Mountain
  • Robbins
  • Rock Island
  • Rockford
  • Rockvale
  • Rockwood
  • Rogersville
  • Rossville
  • Rugby
  • Russellville
  • Rutherford
  • Rutledge
  • Saint Andrews
  • Saint Bethlehem
  • Saint Joseph
  • Sale Creek
  • Saltillo
  • Samburg
  • Santa Fe
  • Sardis
  • Saulsbury
  • Savannah
  • Scotts Hill
  • Selmer
  • Sequatchie
  • Sevierville
  • Sewanee
  • Seymour
  • Shady Valley
  • Sharon
  • Sharps Chapel
  • Shawanee
  • Shelbyville
  • Sherwood
  • Shiloh
  • Signal Mountain
  • Silerton
  • Silver Point
  • Slayden
  • Smartt
  • Smithville
  • Smyrna
  • Sneedville
  • Soddy Daisy
  • Somerville
  • South Fulton
  • South Pittsburg
  • Southside
  • Sparta
  • Speedwell
  • Spencer
  • Spring City
  • Spring Creek
  • Spring Hill
  • Springfield
  • Springville
  • Stanton
  • Stantonville
  • Stewart
  • Strawberry Plains
  • Sugar Tree
  • Summertown
  • Summitville
  • Sunbright
  • Surgoinsville
  • Sweetwater
  • Taft
  • Talbott
  • Tallassee
  • Tazewell
  • Telford
  • Tellico Plains
  • Ten Mile
  • Tennessee Ridge
  • Thompsons Station
  • Thorn Hill
  • Tigrett
  • Tipton
  • Toone
  • Townsend
  • Tracy City
  • Trade
  • Trenton
  • Trezevant
  • Trimble
  • Troy
  • Tullahoma
  • Turtletown
  • Unicoi
  • Union City
  • Unionville
  • Vanleer
  • Viola
  • Vonore
  • Walland
  • Walling
  • Wartburg
  • Wartrace
  • Washburn
  • Watauga
  • Watertown
  • Watts Bar Dam
  • Waverly
  • Waynesboro
  • Westmoreland
  • Westpoint
  • Westport
  • White Bluff
  • White House
  • White Pine
  • Whites Creek
  • Whitesburg
  • Whiteside
  • Whiteville
  • Whitleyville
  • Whitwell
  • Wilder
  • Wildersville
  • Williamsport
  • Williston
  • Winchester
  • Winfield
  • Winona
  • Woodbury
  • Woodland Mills
  • Woodlawn
  • Wynnburg
  • Yorkville
  • Yuma