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Auto Loan Rates in Chattanooga, Tennessee (TN) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 Chattanooga, 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: April 19, 2026

Current auto loan rates in Chattanooga, Tennessee include Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit Union535 Chestnut St, Chattanooga, TN, 37402A+5.0 ★Texas Ratio: 4.06% offering New Cars & Trucks at 4.39%, BCBST Employees Credit UnionBCBST Employees Credit Union1 Cameron Hill Cir, Chattanooga, TN, 37402A+5.0 ★Texas Ratio: 0.00% offering New Vehicle at 4.75%, TRUST Federal Credit UnionTRUST Federal Credit Union2186 Northgate Park Ln, Chattanooga, TN, 37415 6911B+4.7 ★Texas Ratio: 18.28% offering New Automobiles (up to 25,000 miles) at 4.99%, Southeast Financial Credit UnionSoutheast Financial Credit Union512 National Ave, Chattanooga, TN, 37404A5.0 ★Texas Ratio: 10.03% offering Other Vehicle Loans New at 5.00%, Chattanooga First Federal Credit UnionChattanooga First Federal Credit Union3120 Broad St, Chattanooga, TN, 37408 3095A+5.0 ★Texas Ratio: 5.35% offering Auto Loan at 6.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

Chattanooga has 5 local institutions in our database, with auto loan rates as low as 4.39% APR from Tennessee Valley Federal Credit Union at 535 Chestnut St, Chattanooga, TN, 37402. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Chattanooga, Tennessee. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in Chattanooga, Tennessee & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 UpdatedApr 17, 2026
Details

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

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 UpdatedApr 19, 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
New Cars & Trucks
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedApr 17, 2026
Details

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

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 UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
5.00%
1 Year
View
▼
APR5.00%
Term1 Year
Last UpdatedApr 19, 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)
5.19%
63 Months
View
▼
APR5.19%
Term63 Months
Last UpdatedApr 18, 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 UpdatedApr 19, 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 UpdatedApr 17, 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 UpdatedApr 18, 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
New Cars & Trucks
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

0 - 5 Years Old

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
5.75%
1 Year
View
▼
APR5.75%
Term1 Year
Last UpdatedApr 19, 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 UpdatedApr 17, 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
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
6.00%
2 Years
View
▼
APR6.00%
Term2 Years
Last UpdatedApr 19, 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
6.19%
63 Months
View
▼
APR6.19%
Term63 Months
Last UpdatedApr 18, 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
Used Vehicle
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedApr 19, 2026
Details

0 - 5 Years Old

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 UpdatedApr 17, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
6.50%
3 Years
View
▼
APR6.50%
Term3 Years
Last UpdatedApr 19, 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 UpdatedApr 17, 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 UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
6.75%
2 Years
View
▼
APR6.75%
Term2 Years
Last UpdatedApr 19, 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
6.89%
64 to 75 months
View
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 17, 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 UpdatedApr 18, 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
6.99%
24 Months
View
▼
APR6.99%
Term24 Months
Last UpdatedApr 18, 2026
Details

Up tp 100% MSRP

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
7.00%
4 Years
View
▼
APR7.00%
Term4 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
7.00%
3 Years
View
▼
APR7.00%
Term3 Years
Last UpdatedApr 19, 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
7.49%
60 Months
View
▼
APR7.49%
Term60 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details

Up tp 100% NADA

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
8.00%
5 Years
View
▼
APR8.00%
Term5 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
8.00%
4 Years
View
▼
APR8.00%
Term4 Years
Last UpdatedApr 19, 2026
Details

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
8.10%
36 Months
View
▼
APR8.10%
Term36 Months
Last UpdatedApr 19, 2026
Details

6 Years & OLDER (Up to 100 % of NADA Retail Value)

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 UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 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
8.75%
24 Months
View
▼
APR8.75%
Term24 Months
Last UpdatedApr 18, 2026
Details

Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
New/Used Auto Loan
9.00%
24-36
View
▼
APR9.00%
Term24-36
Last UpdatedApr 18, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
9.00%
6 Years
View
▼
APR9.00%
Term6 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
9.00%
5 Years
View
▼
APR9.00%
Term5 Years
Last UpdatedApr 19, 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
9.25%
48 Months
View
▼
APR9.25%
Term48 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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
9.75%
72 Months
View
▼
APR9.75%
Term72 Months
Last UpdatedApr 18, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
10.00%
7 Years
View
▼
APR10.00%
Term7 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
10.00%
6 Years
View
▼
APR10.00%
Term6 Years
Last UpdatedApr 19, 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
10.79%
24 Months
View
▼
APR10.79%
Term24 Months
Last UpdatedApr 18, 2026
Details

Up to 100% NADA

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
11.00%
7 Years
View
▼
APR11.00%
Term7 Years
Last UpdatedApr 19, 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
11.29%
36 Months
View
▼
APR11.29%
Term36 Months
Last UpdatedApr 18, 2026
Details

Up to 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
11.79%
48 Months
View
▼
APR11.79%
Term48 Months
Last UpdatedApr 18, 2026
Details

Up to 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
12.29%
60 Months
View
▼
APR12.29%
Term60 Months
Last UpdatedApr 18, 2026
Details

Up to 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
12.79%
72 Months
View
▼
APR12.79%
Term72 Months
Last UpdatedApr 18, 2026
Details

Up to 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
13.29%
76-84
View
▼
APR13.29%
Term76-84
Last UpdatedApr 18, 2026
Details

Up to 100% NADA

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
14.75%
36 Months
View
▼
APR14.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
15.25%
72 Months
View
▼
APR15.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Auto Loans
3.49%
96 months
View
▼
APR3.49%
Term96 months
Last UpdatedApr 18, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

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

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
View
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 17, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 8, 2026
Details

Loan Promotion

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Vehicle Loans
4.49%
48- 84 Months
View
▼
APR4.49%
Term48- 84 Months
Last UpdatedApr 8, 2026
Details

Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
New Autos
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 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%
New Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 90% of Retail

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Semi-New Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 18, 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%
Used Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 90% of NADA Retail

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.74%
Up To 60 Months
View
▼
APR4.74%
TermUp To 60 Months
Last UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
View
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 17, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 24 months

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
View
▼
APR4.90%
Term5 Years
Last UpdatedApr 18, 2026
Details

125% financing available. No minimum loan amount.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Sevier County Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loan
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedApr 18, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
Used Autos
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 100% of Retail

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As; 24 months

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.05%
60 Months
View
▼
APR5.05%
Term60 Months
Last UpdatedApr 19, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.14%
Up To 60 Months
View
▼
APR5.14%
TermUp To 60 Months
Last UpdatedApr 18, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
View
▼
APR5.15%
Term10 Years
Last UpdatedApr 18, 2026
Details

125% financing available.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
View
▼
APR5.15%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
Auto Loan
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedApr 18, 2026
Details

As Low As

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.24%
61 - 75 Months
View
▼
APR5.24%
Term61 - 75 Months
Last UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
View
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 17, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
5.29%
84 Months
View
▼
APR5.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 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%
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
View
▼
APR5.29%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
5.30%
72 Months
View
▼
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.35%
72 Months
View
▼
APR5.35%
Term72 Months
Last UpdatedApr 19, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 18, 2026
Details

As Low As

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.49%
61 - 75 Months
View
▼
APR5.49%
Term61 - 75 Months
Last UpdatedApr 18, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 36 months

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
New Auto/Truck
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 17, 2026
Details

2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Auto Loans
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; *Up to 36 months. Credit qualifications may apply.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Autos 2026 & older
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedApr 18, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
View
▼
APR5.55%
Term6 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)

Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van
5.70%
36-84
View
▼
APR5.70%
Term36-84
Last UpdatedApr 18, 2026
Details

2013-2022 models

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.74%
76 - 84 Months
View
▼
APR5.74%
Term76 - 84 Months
Last UpdatedApr 18, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
View
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedApr 18, 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%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Autos 2026 & older
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New autos 2021-2026
5.75%
24 months
View
▼
APR5.75%
Term24 months
Last UpdatedApr 19, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
5.75%
Up to 60 months
View
▼
APR5.75%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details

Upper Cumberland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Auto Loan
5.89%
0 - 60
View
▼
APR5.89%
Term0 - 60
Last UpdatedApr 17, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
View
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedApr 18, 2026
Details

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

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Vehicle Loans
5.99%
48 - 72 Months
View
▼
APR5.99%
Term48 - 72 Months
Last UpdatedApr 8, 2026
Details

Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
View
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedApr 18, 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%
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Older Vehicles (2011-2016)
5.99%
up to 48 months
View
▼
APR5.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
View
▼
APR5.99%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 72 months

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 36 months

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
6.00%
96 Months
View
▼
APR6.00%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.00%
Up to 72 months
View
▼
APR6.00%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
View
▼
APR6.05%
Term19 Years
Last UpdatedApr 18, 2026
Details

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

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.10%
60 Months
View
▼
APR6.10%
Term60 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
6.20%
84 Months
View
▼
APR6.20%
Term84 Months
Last UpdatedApr 19, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
View
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedApr 18, 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%
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.25%
6 - 84 months
View
▼
APR6.25%
Term6 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; (7 years old or newer)

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New autos 2021-2026
6.25%
96 months
View
▼
APR6.25%
Term96 months
Last UpdatedApr 19, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; >$25,0000 for 84 months

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
6.29%
76 - 84 Months
View
▼
APR6.29%
Term76 - 84 Months
Last UpdatedApr 18, 2026
Details

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans 2022
6.49%
63 Months
View
▼
APR6.49%
Term63 Months
Last UpdatedApr 17, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
View
▼
APR6.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

As Low As

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

2016 - 2018 - Up to 60 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.50%
Up to 84 months
View
▼
APR6.50%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Autos Less than 100,000 miles
6.74%
96 Months
View
▼
APR6.74%
Term96 Months
Last UpdatedApr 18, 2026
Details

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Auto Loans 2020
6.75%
63 Months
View
▼
APR6.75%
Term63 Months
Last UpdatedApr 17, 2026
Details

As Low As

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.75%
6 - 72 months
View
▼
APR6.75%
Term6 - 72 months
Last UpdatedApr 18, 2026
Details

As Low As; (8-15 years old)

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 72 months

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 18, 2026
Details

As Low As

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
6.99%
Up to 84 mos.
View
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedApr 18, 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%
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Older Vehicles (2011-2016)
6.99%
up to 60 months
View
▼
APR6.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
7.00%
36 Months
View
▼
APR7.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

2015 and older - Up to 36 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
7.00%
Up to 96 months
View
▼
APR7.00%
TermUp to 96 months
Last UpdatedApr 19, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
7.24%
Up to 84 mos.
View
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedApr 18, 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%
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
View
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; >$25,0000 for 84 months

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2017 & Older
7.45%
48 Months
View
▼
APR7.45%
Term48 Months
Last UpdatedApr 19, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedApr 18, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2017 & Older
7.60%
60 Months
View
▼
APR7.60%
Term60 Months
Last UpdatedApr 19, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Classic Autos
7.75%
6 - 84 months
View
▼
APR7.75%
Term6 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; (25 years and older)

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 36 months

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedApr 18, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
New Auto/Truck
14.75%
84 Months
View
▼
APR14.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
14.75%
72 Months
View
▼
APR14.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
15.75%
60 Months
View
▼
APR15.75%
Term60 Months
Last UpdatedApr 17, 2026
Details

2016 - 2018 - Up to 60 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
16.25%
36 Months
View
▼
APR16.25%
Term36 Months
Last UpdatedApr 17, 2026
Details

2015 and older - Up to 36 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 UpdatedApr 17, 2026
Details

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

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 UpdatedApr 19, 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
New Cars & Trucks
4.89%
64 - 75 months
View
▼
APR4.89%
Term64 - 75 months
Last UpdatedApr 17, 2026
Details

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

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 UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
5.00%
1 Year
View
▼
APR5.00%
Term1 Year
Last UpdatedApr 19, 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)
5.19%
63 Months
View
▼
APR5.19%
Term63 Months
Last UpdatedApr 18, 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 UpdatedApr 19, 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 UpdatedApr 18, 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
New Cars & Trucks
5.69%
76 - 84 months
View
▼
APR5.69%
Term76 - 84 months
Last UpdatedApr 17, 2026
Details

As Low As; Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
6.00%
2 Years
View
▼
APR6.00%
Term2 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
6.50%
3 Years
View
▼
APR6.50%
Term3 Years
Last UpdatedApr 19, 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 UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
7.00%
4 Years
View
▼
APR7.00%
Term4 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
8.00%
5 Years
View
▼
APR8.00%
Term5 Years
Last UpdatedApr 19, 2026
Details

Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN, 37408 3095
New/Used Auto Loan
9.00%
24-36
View
▼
APR9.00%
Term24-36
Last UpdatedApr 18, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
9.00%
6 Years
View
▼
APR9.00%
Term6 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans New
10.00%
7 Years
View
▼
APR10.00%
Term7 Years
Last UpdatedApr 19, 2026
Details

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
14.75%
36 Months
View
▼
APR14.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
New Vehicle
15.25%
72 Months
View
▼
APR15.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

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

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
View
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 17, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
View
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 8, 2026
Details

Loan Promotion

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New Vehicle Loans
4.49%
48- 84 Months
View
▼
APR4.49%
Term48- 84 Months
Last UpdatedApr 8, 2026
Details

Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
New Autos
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 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%
New Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 90% of Retail

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Semi-New Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 18, 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%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
4.74%
Up To 60 Months
View
▼
APR4.74%
TermUp To 60 Months
Last UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
View
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 17, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New Auto ('26 or Newer)
4.75%
36-84 months
View
▼
APR4.75%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
View
▼
APR4.75%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
4.75%
24 Months
View
▼
APR4.75%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 24 months

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
New Vehicle Loans - Models 5 years or newer
4.90%
5 Years
View
▼
APR4.90%
Term5 Years
Last UpdatedApr 18, 2026
Details

125% financing available. No minimum loan amount.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
New Auto
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 100% of Retail

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.24%
61 - 75 Months
View
▼
APR5.24%
Term61 - 75 Months
Last UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
View
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 17, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
5.29%
84 Months
View
▼
APR5.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

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

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
5.30%
72 Months
View
▼
APR5.30%
Term72 Months
Last UpdatedApr 19, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 18, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
5.49%
36 Months
View
▼
APR5.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 36 months

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
New Auto/Truck
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedApr 17, 2026
Details

2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
New Autos
5.55%
6 - 84 months
View
▼
APR5.55%
Term6 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; (upcoming, current & previous vehicle model years - under 10,000 miles)

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
New Vehicle
5.74%
76 - 84 Months
View
▼
APR5.74%
Term76 - 84 Months
Last UpdatedApr 18, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.74%
Up to 60 mos.
View
▼
APR5.74%
TermUp to 60 mos.
Last UpdatedApr 18, 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%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New autos 2021-2026
5.75%
24 months
View
▼
APR5.75%
Term24 months
Last UpdatedApr 19, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
5.75%
Up to 60 months
View
▼
APR5.75%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
5.99%
Up to 72 mos.
View
▼
APR5.99%
TermUp to 72 mos.
Last UpdatedApr 18, 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%
NEW Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

As Low As

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
New Auto
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 72 months

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
New Car
6.00%
96 Months
View
▼
APR6.00%
Term96 Months
Last UpdatedApr 18, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.00%
Up to 72 months
View
▼
APR6.00%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
New Auto 2023-2026
6.20%
84 Months
View
▼
APR6.20%
Term84 Months
Last UpdatedApr 19, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
New autos 2021-2026
6.25%
96 months
View
▼
APR6.25%
Term96 months
Last UpdatedApr 19, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
6.50%
Up to 84 months
View
▼
APR6.50%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
New Cars, Trucks, Vans
6.99%
Up to 84 mos.
View
▼
APR6.99%
TermUp to 84 mos.
Last UpdatedApr 18, 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%
NEW Auto Loan
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Gateway Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.88%
New Auto (2025-2026)
7.00%
Up to 96 months
View
▼
APR7.00%
TermUp to 96 months
Last UpdatedApr 19, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - New (Up to 2 Years Old)
7.57%
84 Months
View
▼
APR7.57%
Term84 Months
Last UpdatedApr 18, 2026
Details

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
New Auto/Truck
14.75%
84 Months
View
▼
APR14.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

2025 - Up to 84 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 UpdatedApr 17, 2026
Details

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
5.75%
36 Months
View
▼
APR5.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

0 - 5 Years Old

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
5.75%
1 Year
View
▼
APR5.75%
Term1 Year
Last UpdatedApr 19, 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 UpdatedApr 17, 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
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedApr 18, 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
6.19%
63 Months
View
▼
APR6.19%
Term63 Months
Last UpdatedApr 18, 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
Used Vehicle
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedApr 19, 2026
Details

0 - 5 Years Old

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 UpdatedApr 17, 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 UpdatedApr 17, 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 UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
6.75%
2 Years
View
▼
APR6.75%
Term2 Years
Last UpdatedApr 19, 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
6.89%
64 to 75 months
View
▼
APR6.89%
Term64 to 75 months
Last UpdatedApr 17, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
7.00%
3 Years
View
▼
APR7.00%
Term3 Years
Last UpdatedApr 19, 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)
7.49%
48 Months
View
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 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 UpdatedApr 18, 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 UpdatedApr 18, 2026
Details

As Low As

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
8.00%
4 Years
View
▼
APR8.00%
Term4 Years
Last UpdatedApr 19, 2026
Details

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN, 37402
Used Vehicle
8.10%
36 Months
View
▼
APR8.10%
Term36 Months
Last UpdatedApr 19, 2026
Details

6 Years & OLDER (Up to 100 % of NADA Retail Value)

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 UpdatedApr 18, 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
New/Used Auto Loan
9.00%
24-36
View
▼
APR9.00%
Term24-36
Last UpdatedApr 18, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
9.00%
5 Years
View
▼
APR9.00%
Term5 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
10.00%
6 Years
View
▼
APR10.00%
Term6 Years
Last UpdatedApr 19, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN, 37404
Other Vehicle Loans Used
11.00%
7 Years
View
▼
APR11.00%
Term7 Years
Last UpdatedApr 19, 2026
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

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

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.25%
Up to 35 Months
View
▼
APR4.25%
TermUp to 35 Months
Last UpdatedApr 17, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; 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%
Used Auto
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 90% of NADA Retail

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.49%
up to 48 months
View
▼
APR4.49%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
4.75%
36 - 59 Months
View
▼
APR4.75%
Term36 - 59 Months
Last UpdatedApr 17, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
Used Auto (2017-2025)
4.90%
36-84 months
View
▼
APR4.90%
Term36-84 months
Last UpdatedApr 17, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details

As Low As

Patriot Equity Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.60%
Used Autos
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
4.99%
up to 60 months
View
▼
APR4.99%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
4.99%
up to 48 months
View
▼
APR4.99%
Termup to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As; 24 months

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.05%
60 Months
View
▼
APR5.05%
Term60 Months
Last UpdatedApr 19, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.14%
Up To 60 Months
View
▼
APR5.14%
TermUp To 60 Months
Last UpdatedApr 18, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 6 to 10 years old
5.15%
10 Years
View
▼
APR5.15%
Term10 Years
Last UpdatedApr 18, 2026
Details

125% financing available.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Used Auto
5.15%
36 - 120 months
View
▼
APR5.15%
Term36 - 120 months
Last UpdatedApr 19, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.25%
60 - 83 Months
View
▼
APR5.25%
Term60 - 83 Months
Last UpdatedApr 17, 2026
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New & Used Auto
5.29%
84 Months
View
▼
APR5.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; 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%
Used Cars and Trucks (2017-2022)
5.29%
up to 60 months
View
▼
APR5.29%
Termup to 60 months
Last UpdatedApr 19, 2026
Details

As Low As

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
5.35%
72 Months
View
▼
APR5.35%
Term72 Months
Last UpdatedApr 19, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
5.49%
61 - 75 Months
View
▼
APR5.49%
Term61 - 75 Months
Last UpdatedApr 18, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans less than 100,000 Miles
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Used car/truck/van
5.70%
36-84
View
▼
APR5.70%
Term36-84
Last UpdatedApr 18, 2026
Details

2013-2022 models

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

LG&W Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
New and Used Auto Loans 2017-2026
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedApr 17, 2026
Details

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
5.94%
Up to 60 mos.
View
▼
APR5.94%
TermUp to 60 mos.
Last UpdatedApr 18, 2026
Details

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

UPS Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Used Vehicle Loans
5.99%
48 - 72 Months
View
▼
APR5.99%
Term48 - 72 Months
Last UpdatedApr 8, 2026
Details

Managed Credit Program: The Annual Percentage Rate(APR) will be determined by your credit worthiness.; Any existing balance on a previous loan on the date of a new advance will be added to the new advance and the entire amount will be at the new APR.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
New or Used Cars and Trucks (2023-2026)
5.99%
up to 84 months
View
▼
APR5.99%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

As Low As

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
5.99%
up to 72 months
View
▼
APR5.99%
Termup to 72 months
Last UpdatedApr 19, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
5.99%
36 Months
View
▼
APR5.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; 36 months

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Used Car
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.15%
Used Vehicle Loans - Models 11 to 19 years old
6.05%
19 Years
View
▼
APR6.05%
Term19 Years
Last UpdatedApr 18, 2026
Details

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

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.10%
60 Months
View
▼
APR6.10%
Term60 Months
Last UpdatedApr 19, 2026
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
6.24%
Up to 72 mos.
View
▼
APR6.24%
TermUp to 72 mos.
Last UpdatedApr 18, 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%
Used Cars, Trucks, and Vans greater than 100,000 Miles
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedApr 19, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.25%
6 - 84 months
View
▼
APR6.25%
Term6 - 84 months
Last UpdatedApr 18, 2026
Details

As Low As; (7 years old or newer)

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2018-2020
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2021-2026
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
6.25%
84 Months
View
▼
APR6.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; >$25,0000 for 84 months

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Used Vehicle
6.29%
76 - 84 Months
View
▼
APR6.29%
Term76 - 84 Months
Last UpdatedApr 18, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
Used Cars and Trucks (2017-2022)
6.49%
up to 84 months
View
▼
APR6.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details

As Low As

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 17, 2026
Details

2016 - 2018 - Up to 60 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
Used Autos
6.75%
6 - 72 months
View
▼
APR6.75%
Term6 - 72 months
Last UpdatedApr 18, 2026
Details

As Low As; (8-15 years old)

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Used Auto
6.75%
72 Months
View
▼
APR6.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; 72 months

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 18, 2026
Details

As Low As

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
USED Auto Loan
6.99%
72 Months
View
▼
APR6.99%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
7.00%
36 Months
View
▼
APR7.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

2015 and older - Up to 36 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Used Cars, Trucks, Vans
7.24%
Up to 84 mos.
View
▼
APR7.24%
TermUp to 84 mos.
Last UpdatedApr 18, 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%
USED Auto Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Used Cars, Trucks, and Vans greater than 100,000 Miles
7.24%
72 Months
View
▼
APR7.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.25%
84 Months
View
▼
APR7.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; >$25,0000 for 84 months

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2017 & Older
7.45%
48 Months
View
▼
APR7.45%
Term48 Months
Last UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Used Auto 2017 & Older
7.60%
60 Months
View
▼
APR7.60%
Term60 Months
Last UpdatedApr 19, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.34%
Classic / Older Used Auto
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 36 months

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Vehicle Loans - Used (More Than 2 Years Old)
8.57%
72 Months
View
▼
APR8.57%
Term72 Months
Last UpdatedApr 18, 2026
Details

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
14.75%
72 Months
View
▼
APR14.75%
Term72 Months
Last UpdatedApr 17, 2026
Details

2019 - 2024 - Up to 72 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
15.75%
60 Months
View
▼
APR15.75%
Term60 Months
Last UpdatedApr 17, 2026
Details

2016 - 2018 - Up to 60 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Parthenon Federal Credit Union
Institution Rating:
D3.1 ★ Texas Ratio: 38.44%
Used Auto/Truck
16.25%
36 Months
View
▼
APR16.25%
Term36 Months
Last UpdatedApr 17, 2026
Details

2015 and older - Up to 36 months; Rate is based on credit performance, loan term, and PFCU discounts.; .25% Deduction with new checking account with Direct Deposit

Chattanooga, TN Auto Loan Rate Trends

Compare local Chattanooga, TN 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
5.422%
▲ 0.131 vs 7 days ago

Tennessee new auto rates rose 0.131 points over the past 7 days to 5.422% APR.

Used Auto Loan — TN Avg
5.900%
▼ 0.127 vs 7 days ago

Tennessee used auto rates fell 0.127 points over the past 7 days to 5.900% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Chattanooga, 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 Chattanooga, 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 Chattanooga, 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 Chattanooga, Tennessee?

Based on our current data, some of the lowest auto loan rates available in Chattanooga, Tennessee include:
  • Tennessee Valley Federal Credit Union: 4.39% (New Cars & Trucks)
  • BCBST Employees Credit Union: 4.75% (New Vehicle)
  • TRUST Federal Credit Union: 4.99% (New Automobiles (up to 25,000 miles))
  • Southeast Financial Credit Union: 5.00% (Other Vehicle Loans New)
  • Chattanooga First Federal Credit Union: 6.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Chattanooga, Tennessee. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

Chattanooga, Tennessee Rates & Resources

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